vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: MS

Complaint narrative:
I was assured that my refinance loan was approved from the initial application. I was quoted one % rate and amount available and later that changed. The initial amount of the loan increased and the % rate increased. Everytime I thought I had submitted the proper paperwork to get the loan to the closing table, another document was requested. Finally after three months, I was informed that I had to have {$4500.00} in reserve for them to proceed with closing. In addition, I was told that an appraisal would cost from {$200.00} to {$450.00} and would not accept the appraisal that I had received less than 3 months prior. Accepting that, I was shocked when {$650.00} was drafted from my checking account. The appraisal was quoted at {$25000.00} less than the prior one. I have yet to receive the appraisal, though I have made several requests to receive a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received I refund from XXXX from a reservation that was canceled. I paid using my paypal account with a debit card ending in XXXX. I closed this XXXX account on XX/XX/2018 and PayPal proceed the refund on XXXX XXXX. Since I never received the money I called XXXX to see where my money went and they said the money is not on the account since it is already closed. I contacted PayPal more than 3 times reagarding my refund and asked them to put it in another account, they refused to do it since they claim the money is in my XXXX accout. Today they sent me an email stating they money is in a card ending in XXXX. I have no card ending in XXXX, the credit card I have with XXXX ends in XXXX. PayPal reduces to give me my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. 

I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. 
I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about this on XXXX. There is numerous of people they have done this too and have wronged.

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 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: Ameritech Financial
State: TX

Complaint narrative:
Received call from Ameritech financial about refinancing student loan several years ago. Did paperwork, payments were taken from checking account. In XX/XX/2018 received another call from Ameritech to renew student loan application. Gave requested info, updated XXXX account info. Received letter from XXXX ready lawsuit. Contacted Ameritech via email letter requested written update on my account. Never received it, sent another email, emails from Ameritech, XXXX XXXX, left messages, never spoke with him, never received requested account information. Each time I called got answering service. First email dated XX/XX/2018. No written response as of today, XX/XX/2018.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent checks were deposited to my daughters account ( which has been linked to my account since she was a minor ) through an ATM, and somehow the money was made available the same day. My daughter did not realize that she lost her debit card as she is young ( XXXX ) and still trying to understand responsibility ( I know no excuse. My daughter had a daily limit for withdrawal of {$500.00} however someone was able to withdraw over {$1000.00} from the ATM. I can not even withdraw that much money from the ATM. As soon as my daughter realized that her account had been compromised she called me. We immediately called the bank and told to go to the branch the next day. We filed an on line police report and went to the branch. The branch rep told us we needed to call Chase customer service as her account is restricted. Because my accounts were linked ( because she was in high school when her account was opened ) they took all of my money leaving me at a XXXX balance in two accounts. I called and filed a claim XX/XX/2018. I received a letter dated " XX/XX/2018 '' indicating that my claim was denied. I am unsure how a investigation can be done in less than 24 hours. I called immediately and threatened to obtain an attorney. At that point I was transferred to the " Fraud '' department. I thought I had been dealing with the Fraud department all this time. A claim was filed and I informed the, I wanted them to pull the video  footage because I want to prosecute and need my money back. They took every dime I had and left me with nothing. I finally received a call today saying that my claim was denied because my daughter didn't report her card stolen in time. Granted I understand that and I am aware my daughter was negligent in doing that but again she is young and still learning how to be an adult. My problem is they aren't concerned with the fact that fraudulent checks were deposited into her account and withdraws were made via ATM. They don't care because they took all of my money. Regardless of my daughter not reporting the loss of her card in a timely manner because she didn't realize it, I need my money and why aren't they concerned with the fraud being done? I have done some investigation on line and there are a lot of complaints regarding this bank and situations such as this. There is a remaining balance that they are expecting us to pay. Really, we did not have anything to do with this. I believe this is an inside job as how can one over ride checks being deposited into an ATM and be available immediately, how can one get someones pin ( Chase recording asks for pin when you call to activate a card ). Fraud activity with banks and ATM 's were even on the news this past week .... Please help me get my money back from CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
Escrow account balance incorrect - '' Incorrect transfer occurred / Incorrect accounting NOT CORRECTED '' Timeline Record of Escrow Account based on Statements Received : XX/XX/2018 -Statement dated XX/XX/2018 Escrow account balance of {$4800.00} 1. XX/XX/2018 -Made monthly payment of {$1800.00} ( {$600.00} Escrow ) 2. XX/XX/2018 -Received Statement dated 7/3/2018 indicating : - Two town tax disbursements XX/XX/XXXX & XX/XX/XXXX - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of - {$630.00} 3. XX/XX/2018 -Spent 1 hour on phone with " Mr. Cooper '' to discuss the mishandling of escrow funds by based on the double town tax disbursement and explained why the escrow balance should not be short - {$630.00}. Was told I'd receive a call back in three days after escrow account analysis was performed 4. XX/XX/2018 -No call received from " Mr. Cooper '' 5. XX/XX/2018 -Reviewed account online to observe escrow account balance of {$1400.00} and made monthly payment of {$1800.00} ( {$600.00} Escrow ) 6. XX/XX/2018 -Received Statement dated XX/XX/2018 indicating : - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of XXXX 7. XX/XX/2018 - Calculated escrow account balance based on information provided : - Statement dated XX/XX/2018 Escrow account balance of {$4800.00} - XX/XX/2018 -Made payment of {$1800.00} ( {$600.00} Escrow ) - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Calculated escrow account balance of {$2200.00} based on above information, not a shortage of XXXX which is what appears on statement dated XX/XX/2018 8. XX/XX/2018- File complaint with Consumer Financial Protection Bureau to obtain full record of mortgage escrow account and cease mishandling of escrow account funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I made a mis-payment of XXXX on XX/XX/2018 from my checking account electronically to Capital 1 credit card that was closed inXX/XX/XXXX. I have made numerous attempts as well as XXXX XXXX XXXX to rectify this problem since XX/XX/XXXX without resolve. I have spoken with 6 different supervisors at Capital 1 at XXXX. I have supervisors employee numbers if needed. The Case # is XXXX Credit card # is XXXX. I am very frustrated and do not know what else to do to recover my {$200.00} mis-payment. Any help you can give me would be greatly appreciate. I have documentation that I am unable to submit with this form. I have a letter from Capital One and my bank account payment to Capital One on XX/XX/XXXX. If this documentation is needed for you to move forward on this complaint, I will gladly mail it to you or try and email it with the attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is calling relatives and spouses phone and claiming a credit card debt from 2010 long after statue of limitations. I find this debt invalid as original creditor is now my Car Loan and credit card company with valid updated accounts. Have informed Portfolio Recovery to stop communications via phone and email to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am the victim of identity theft. I have tried numerous times to correct this issue with TransUnion without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX XXXX XXXX / XXXX {$14000.00} XXXX XXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX XXXX XXXX / XXXX {$24000.00} XXXX XXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXX XXXX / XXXX {$17000.00} XXXX XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXX XXXX XXXX  / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$1200.00} XXXX XXXX XXXX / XXXX {$300.00} XXXX XXXX XXXX / XXXX {$2700.00} XXXX XXXX XXXX / XXXX {$250.00} XXXX XXXX XXXX / XXXX {$1500.00} XXXX XXXX XXXX / XXXX {$3000.00} XXXX XXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX XXXX / XXXX {$610.00} XXXX XXXX XXXX / XXXX {$8600.00} XXXX XXXX XXXX / XXXX {$5700.00} XXXX XXXX XXXX / XXXX {$760.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$37000.00} XXXX XXXX XXXX / XXXX ( All accounts that say XXXX XXXX XXXXXXXX / Navient )

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 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
I started my process of buying a mobile home in XXXX XXXX XXXX XXXX   onXX/XX/2018 they asked for a few things to be paid off to be approved. On XX/XX/2018 they finally approved my application. On XX/XX/2018 they sent me another notice they needed more to close the sale. On XX/XX/2018 they sent me a denial email after approving me and their reasoning was they didn't know how much the lot rent would be and it took me over my debt to income ratio. They had all that information sent in when I applied for the home. On XX/XX/2018 they sent me another notice they need more information to close. On XX/XX/2018 they sent me another email requesting more information needed to close. At this point the park moved me in as a renter believing the sale should be closed in a couple days. On XX/XX/2018 they sent me another email requesting more information I already sent in to them on several occasions including homeowners insurance I found that was cheaper. On XX/XX/2018 they sent me another email requesting more information. On XX/XX/XXXX they finally sent my closing documents resulting in me having to pay an additional XXXX ( including lot rent ) to the XXXX I already put down on the mobile home early XXXX. I had to take out a loan to pay it since I had already paid them the XXXX. Then early this month my homeowner insurance agent emailed me asking about the payment for the insurance they have yet to receive. I had to call around trying to find it when I spoke with 21st mortgage they sounded like the understood what I was looking for but then called me back and said they didn't understand what I was asking. When they sent my documents over to XXXX who bought my mortgage they sent their homeowners insurance so they would be paid instead of the correct one. The whole experience was horrible and drained me of all my savings. They knew what they needed in the beginning but drew it out two months longer then it should. I had to cancel my insurance with them and I am still waiting on the refund to pay the correct agent but no one knows where the refund is or when I will receive it. My agent has already paid the correct insurance but the refund needs to pay her back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Loan Number :XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone # is XXXX My number XXXX XXXX ( XXXX 's son ) XXXX On XX/XX/XXXX or XXXX I spoke with representative ( Mgr ) with Nationstar, Mr. Cooper who services our Mortgage. I was informed we can set up a repayment plan because my Mom fell behind with 2 payments so I was told to pay the {$3100.00} and they will set up a repayment plan of {$2200.00} per month on or before XXXX. We are not going to be able to pay the {$2200.00} until after XX/XX/XXXX or the first week of XXXX. I was told by the Mr. Cooper manager that if we don't make the payment before the XX/XX/XXXX they will start foreclosure proceedings. My Mom has XXXX XXXX XXXX and she is XXXX years old a Senior citizen and we just simply need a little more time to get up the {$2200.00}, we do not want to lose our house. It just seems unfair if we a financial hardship and we are trying to catch up. We have had payment deferred and a loan modification in the past. Can we get a little more time to start the Repayment plan at least until the XX/XX/XXXX, because we just paid $ 3100+ and have to turnaround within 30 days and pay {$2200.00} per month for the next 5 months. Can you please offer any assistance to my Mom. Anything you can do would be greatly appreciated. Thank You! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

Company response to consumer: Closed with non-monetary relief