vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I took my car to the shop and found that there are some maintenance issues that need to be fixed. Due to a financial hardship I requested that BMO Harris Auto defer a payment so that I could pay for my auto repairs and they said they had to look at my credit and qualify me for the program. All I was requesting is a one time payment deferment. They came back many days later telling me I didnt qualify because my credit report was showing a financial hardship. Well of course it is thats why I called for the deferment in the first place. They said qualifying for the program was the same as qualifying for a new loan. Which makes absolutely no sense. Im already extremely underwater on the loan because apparently the loan was approved for well over what the car was worth by whatever deal the car dealership made with BMO Harris for the loan. My car isnt worth half of what is still owed on the loan. I have deferred payment in the past with other companies and never need to qualify for a program. This is unfair. I have never missed a payment or been reported late. Really I would love to trade the car in but I cant because the value depreciated to a point that I will never be able to get out of the loan. If I cant fix my car and I cant trade it in then how am I supposed to proceed? Their practices are unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX  and Chase bank are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by XXXX XXXX  XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from chase bank which that account was sold to XXXX in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to XXXX which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with XXXX and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when chase did it my score dropped 79 points with XXXX  My mortgage now with XXXX is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with XXXX and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed XXXX is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of limitations and chase should not have added that comment in XXXX of XXXX ... and we did not do this with XXXX they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did XXXX add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion is reporting known false information about one of my accounts. I have disputed this for over a year and called them on the phone, but they still report inaccurate information about this account. The account states the last payment date was XX/XX/1980. I was XXXX years old then and could not have had a credit card. Still, they refuse to remove this from my report due to it being incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attached the two letters I received from XXXX  in reference to the two accounts they have requested be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is the second loan i have had with this company and in both cases i have not been able to get in touch with them. I have access to the website to view loan details, but I do not have the ability to pay off my loan. I received an email reminder this morning about my upcoming payment date of XX/XX/XXXX, but that i could make a payment by phone today if i wanted. They open for phone customer service at XXXX est, however, i called at XXXX this XXXX  and their call center wasnt open yet. I waited a few minutes to call back and finally got the voice response system. I went through all of the prompts to make a payment on an existing loan with a debit card and to locate my loan using zip code, date of birth and last 4 of my SSN. Record found - voice system said it was transferring me to a representative to take my payment, instead it just goes back to the intake for the voice response system to start all over. It also advises that at any time you can press zero for a representative. I have, it goes back to the voice response intake menu. It is impossible to get a person. I have even called the local office for assistance, but because i did my loan online, they cant pull up my information to help me. The store Rep gave me another number to try, which i did, same thing as above. There is no way to get in touch with a person and to manage your account if you did your loan online. The first time around I gave them the benefit of the doubt that they could be experiencing technical issues, but these events are now months apart and this same run around is still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, Home Depot fraudulently re-charged my card for {$9000.00} ( which is more than the original charge ) for an installation of the wrong windows which occurred in XX/XX/2019. As Home Depot breached the contract by installing the wrong windows, an agreement was put in place in writing that they would refund me the cash already paid by XX/XX/2019, as well as cleaning up the Home Depot 24 month interest free card which was part of the deal. The card was not cleaned up and the money was not refunded by the date of the agreement. However, the credit card worked with me to get Home Depot to clean it up, and refund the money already paid. The card was at XXXX. However, additional damages were incurred due to the time delay, as the price of the replacement windows to obtain specific performance Home Depot could not provide went up in price by {$2400.00} due to new price changes at year end. 

As Home Depot had breached not only the original contract, but the settlement agreement, I then issued a claim with XXXX as against the performance bond on the project. 

Then Home Depot unlawfully falsified a settlement agreement, which I did not sign, by taking the signature off of the document I did sign ( all of which was handled via e-mail with an extensive e-mail trail proving the identify of the real document ), and passed it off as the document I signed, attempting to strong arm me to relinquish claims to the performance bond. 

I have no responsibility to relinquish such claims as Home Depot breached the agreement. 

So, Home Depot, after misrepresenting a fraudulent document, via mail and wire fraud, then rebilled their subcontracted CitiBank Home Depot Credit Card company for {$9000.00} ( which is more than the original amount ), and then attempted to collect. 

I have put a credit freeze, reported the card stolen per the recommendation of Citi, and closed the account. However, these unlawful actions have severely hurt my credit, as I now appear to be overextended on my financial obligations, given a new loan was already put in place for the new replacement windows, as the credit card account with Home Depot had finally been cleaned up. However, with the addition of this charge, I am now in immediate credit alert status for charging over {$20000.00} simultaneously. My perfect credit may be virtually trashed. 

I am reporting the attorney, one XXXX XXXX of XXXX Georgia to both the Georgia and New York Bar Associations for fraud and misrepresentation of material fact, and will also be seeking criminal charges with the local DA 's office. I need a flag on this large purchase and am attempting to secure this with the 3 credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unable to get the payoff amount in writing and tile after payoff. The loan company is trying to fill a gap claim on the car after the insurance company reported that the damage to the car is not a total loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I purchased a new construction, single family home in XX/XX/2018 from a developer in XXXX. That developer bought a parcel of land and built three single family homes on the lot but didn't submit an application to divide the parcel to XXXX County at closing. Before the parcels were divided I received a tax bill for all three ( 3 ) of the single family homes the developer built on the parcel ( ~ {$62000.00} ). I immediately called and emailed my mortgage servicing company, Shellpoint Mortgage Servicing, and informed them of the error, as well as explicitly informed them not to pay the taxes. This was about a month before the taxes were due so they had plenty of time to amend any automated systems. Nonetheless, they paid the tax bill so my tax escrow shows a negative ~ {$43000.00} balance. I realize this is a paper error ; however, I am attempting to refinance my home to what are now historically low interest rates that will save me more than {$50000.00} over the life of the loan. But I can't get a clean payoff statement that reflects what I truly owe. 

I've made probably 40 phone calls and sent ten emails to the Shellpoint team that are always met with confusion, misunderstanding, misdirecting and generally useless customer support. This issue has been outstanding for close to five months and I've had to give up one rate lock already then pay money to lock again and keep my new rate. I've found maybe one or two customer support reps that were helpful and genuinely tried to fix my issue. The balance were rude and just trying to get me off the phone. Time and time again they implore me it's been escalated or that a manager will call but that never happens. I've tried kind approaches and I've tried to be stern but nothing seems to work. I feel like they don't care and aren't doing anything to amend their error. Just today I called the County to see if they've filed a refund but nothing has happened. I feel helpless and this mistake is costing me real money, as well as distracting me from my work and family. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A credit application was applied for in a store. TJmaxx put an inquiry on my report. I already have a card with them, I was never in the store on that date, nor would need to apply for credit. I have contacted them and Synchrony bank countless times.

Also the inquiry address and cell of the actual person who inquired was not my information nor cell number. Now 2 months later it has not be removed. Nor was I sent the investigation information as promised 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been trying to gain access to my funds in my bank account since XX/XX/2019. After countless visits to different Huntington branches, numerous calls to the support desk, and 3 different monthly statements in the mail - nothing has been done. When talking to Huntington representatives - they tell me that theyll call me back with more information, yet never do. They tell me they dont know when Ill get my money. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient is my loan servicer for all of my federal student loans. I have a mixture of un-subsidized and subsidized federal student loans. ( 6 in total ) I have been enrolled in auto-pay for all loans since the time I started paying on the loans ( 6 months after graduation ). Dated : XX/XX/XXXX Auto-pay has always withdrawn the minimum payment due on the loan. For one of these loans, the loan with the highest interest rate, I have paid ahead each month to pay this loan off faster. With no notice or any change to the autopay agreement, Navient has decided to push all auto-payments back to start on XX/XX/XXXX since I am ahead on my payments.

This is completely against the auto-payment enrollment agreement that I originally signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I paid this account on time but still I am listed as late. I want to see proofs and documents to validate this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, syncb- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief