vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank is not sending information to my  XXXX  account in a timely manner. I was notcified of this  XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I lost my first job in  XXXX  and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After  PHH  took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on  XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on  XXXX / XXXX / XXXX  that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On  XXXX / XXXX / XXXX  I get a letter from an attorney representing  PHH  stating my house is going on the block for foreclosure on  XXXX / XXXX / XXXX . I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to  XXXX   XXXX  who stated it  may  be too late but he could not guarantee anything and will have  XXXX   XXXX  or his manager call me on  XXXX / XXXX / XXXX  when it will be too late. I am  XXXX   XXXX   XXXX  and  XXXX  and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit 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 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.

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 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IL

Complaint narrative:
Company/Creditor : XXXX XXXX XXXX XXXX : Medical business bureau Collection Opened Date : XXXX/XXXX/17 Amount : {$81.00} Issue : I 've noticed on my credit score through XXXX that I have 1 account in collections. When looking at the account it appears to be from XXXX XXXX XXXX for {$81.00} and is currently in collections with the Medical Business Bureau. I never received a bill from XXXX XXXX XXXX and do not know what this bill is for. I also have not received any communication from the Medical Business Bureau about this debt and am only aware of the collection by monitoring my credit score through XXXX and by recently having my XXXX  information pulled in order to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XXXX XXXX 2017, I received a letter from Chase bank that my business checking account will be closed at the end of XXXX. No reason was given, and I called the number and they were unable to give me any information. They recommended I go into the branch where I opened it, which I also did, and still there was no information on the reason or any way to appeal this decision. I use the account for my XXXX XXXX, and I have never overdrafted the account in the 9 years I 've had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I just got a copy of my credit report and noticed a collection account from  Deville Management  reporting to the credit bureau  XXXX . The account on the credit report is  XXXX . I called them at the telephone number listed on the report at  XXXX  ; they told me they gave the account to another agency to try and collect.   A representative gave me a telephone number, I called the 1st number (  XXXX  ) its an apartment complex, I calle d Deville Management  a  2nd  time they gave me another number  XXXX , they said they do not have any account for me, I calle d Deville a   3rd  time they gave me another number  XXXX  I called them and they do not have the account. I called Deville a  3rd  time and asked them what is going on, they can not give me an answer. They told me it i  XXXX   XXXX   XXXX   XXXX   XXXX  account, but I have not had a   XXXX    XXXX   XXXX  account in over 10 years, I would like this account removed from my credit bureau because apparently these companies purchase debts and do not have correct information. This is not my account, I do not remember having a   XXXX    XXXX   XXXX  credit card..

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 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: TX

Complaint narrative:
sent a letter on  XXXX  never got anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IA

Complaint narrative:
I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX placed a charge on my card for {$9.00}. They also placed two charges of {$10000.00} and {$30000.00} on my XXXX XXXX issued XXXX Card. The total amount was for a resort exchange program that turned out to be fraudulent. I reported this to Citi on XXXX XXXX, XXXX -- well with in their purchase protection window of 120 days. Since then, I have been working with Citi Bank and XXXX XXXX to get this resolved and on XXXX XXXX XXXX XXXX resolved the issued and made the provisional credit that was originally applied to my account permanentsee attached letters titled CARD MEMBER SERVICE. Citibank on the other hand, has told me there is nothing they can do and required full payment of the {$9900.00}. I have tried to work with them, but they have one standard answer, the issue has been resolved and there is nothing further they can do. They say this is according to XXXX policy, but I find that hard to understand because the XXXX XXXX Card is also a XXXX card.

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Synovus Bank
State: FL

Complaint narrative:
1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

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 2017-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I was refinancing my house and we had a closing date and then I get a call from a different person at the company than I have been dealing with asking for me to cancel a dispute with a company that I had on my credit report when I asked why he got rude and said just do it so I did they sent the appraiser out to my house and that is where things got ugly they started asking me to go to the county and have them change how they have my house listed when I told them that I have tried to do this and they would not change it with out proof of what my house is so i told them that as soon as the appraisal came in and I had the proof I would go back to them with it and and a few days latter they called me and said they canceled the loan so I ask for a copy of the appraisal and they said they had up to 30 days to send it to me about ten days latter they tell me that I ca n't have a copy of it because they canceled it before he did it one person there says they have it one says they do n't the appraiser says he sent it to them

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XX/XX/XXXX, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. The credit balance showed up on my BlueBird by American Express account within a day or two. On XX/XX/XXXX, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that funds in the amount of {$520.00} " have been returned to the merchant. '' Almost a year later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline ( even though American Express has already stated in writing that the funds were already returned ). Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. After almost one year, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost a full year. American Express 's written communication from almost 1 year ago indicated that the funds " have been returned to the merchant. '' American Express, by its own omission, has not returned the funds almost a year after making this statement. This is fraud committed by American Express, as this statement was made in an attempt to deceive. I am requesting that a check in the amount of {$520.00} ( the account  balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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