vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Harrassment, slander, unfair deceptive practices ALL of the following is documented by me with Ditech names, dates, and conversations. I have done nothing wrong and have worked intensley, on my own, resolving Ditechs own deception. It began in XX/XX/XXXX with my deferral request approval but with most recent deception in XX/XX/XXXX outlined here today. Regarding the latest deceptive practices by Ditech. I myself phoned them in XX/XX/XXXX when I noticed that my XX/XX/XXXX check payment of XXXX which was sent out on XX/XX/XXXX had not cleared my checking account. Ditech claimed during phone convo that they " did not have my XX/XX/XXXX payment ''. I advised them that the check was mailed out on the XX/XX/XXXX. They somehow managed to locate my mailed check one day before my 15 day grace period was up. I was then advised by Ditech that they did not have XX/XX/XXXX payment! in amt of XXXX. Though it had cleared my checking account, their accounting did not acknowledge nor document my XX/XX/XXXX payment. So.. I took it upon myself to print a copy of the XX/XX/XXXX payment cancelled check # XXXX dtd XX/XX/XXXX in amount of XXXX and send it to them. They recieved my proof via email and verbally acknowledged receipt of the XXXX payment. However, they have yet to document this payment and it is now XX/XX/XXXX! Throughout their deception and confusion they suddenly changed their tune and phoned me twice, XX/XX/XXXX & XX/XX/XXXX, to tell me the same thing each time. That " they haven't found the check and are working on retrieving it from their insurance dept where it was mistakenly sent by them and my account will then reflect payment '' as it still is not showing posted to my account! That was over a week ago and still nothing is fixed by Ditech and it is now out of my hands, completely. 
Thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have noticed that when I make payments, Chase withholds some of the money from my available credit, making that withheld amount unavailable to me. 

In this situation, as of today XX/XX/2019, I have a {$34.00} credit to my account, meaning I should have {$430.00} in available credit, less any pending charges. I have {$98.00} in pending charges.. As a result, I should have {$330.00} in available credit. 

But I don't. I only have {$300.00} in available credit - when contacted to find out why, Chase states that my last payment of {$66.00} had not posted to the account ... but in fact their online banking website for my account shows this payment posted XX/XX/19 - yesterday. When I tried to explain that I needed to pay a bill with the full {$330.00} that I rightfully should have -- I was told that I'd have to wait 3-7 more days to speak with someone about it, and was hung up on by XXXX XXXX of XXXX XXXX when I tried to understand why there was a descrepancy with what I should have in available credit, and what they are allowing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: UT

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX. Their investigation results came back as item was deleted on XX/XX/XXXX of 2019. They are refusing to remove it. I have evidence from when I logged onto the Transunion website stating so.

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 2019-08-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Ive disputed multiple times with Equifax informing them that the account is not mine but Equifax is triple reporting the same collection. I am requesting they send me the method of verification on any calls, letter, names of associates they contacted during the previous investigation to support the outcome they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SIMMONS FIRST NATIONAL CORPORATION

Complaint narrative:
To Whom It May Concern, My mother, the illustrious XXXX formerly known as XXXX passed away on XX/XX/2019 largely due to Simmons banking policies which made it impossible for her to access her bank account from overseas despite their misleading Bank Anywhere promotions to afford more potentially life-saving treatment, like XXXX XXXX XXXX for her XXXX. Even the kind intervention of her personal banker, Ms. XXXX XXXX could not help her to access her own money in her own account due to your lack of international policies governing access to accounts and/or confirmation of identity. 

Today many of my mother 's documents were ceased from her assistant in XXXX who was attempting to have her funds wired to me because they feared that Simmons Bank in Arkansas would not release her funds to anyone, either after their experience with Simmons Bank in trying to get access to her own funds for much needed medical treatment before it was too late. I learned that they tried to have the funds wired to my bank account, after we met them and had her documents returned to us here in XXXX.I might add that my mothers assistants have been of invaluable aid to my mother in her last days, despite their recent mistakes and mistake filling out her SS form some months ago. 

My mother 's bank account number is : XXXX Her SS end is : XXXX Mine ends in XXXX I WOULD LIKE TO RECEIVE INFORMATION ON THE PROCESS OF HAVING THE FUNDS IN THE ACCOUNT released to her next of kin/executor which I am. I have asked Simmons Bank to provide this information to me. 

I have provided a photograph of the death certificate for my mother to Simmons Bank.This document is issued only once to the next of kin in XXXX, so I can not send the original as it is irreplaceable. It is a picture that was taken with my phone. My mother was a XXXX citizen and I am here in XXXX after having buried her here as was her request. I am an American citizen living abroad, however I do have a US address and bank account. Again, I would appreciate it, if you would assist me in having Simmons Bank let me know the procedure that I must follow to take possession of my mothers funds as next of kin. After my mothers tragic experience with Simmons Bank, I expect them to be very uncooperative.

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 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: PA

Complaint narrative:
Today XX/XX/19 RECIEVED a call from XXXX  asking for the last three digits of my social security number to tell me pending criminal charges against XXXX XXXX XXXX XXXX for Cash Central Cash Advance for a {$400.00} loan they claim they gave me I NEVER RECIEVED I asked how was this loan paid and when I was denied that information I recorded the entire conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
I called Capital Accounts LLC on XX/XX/19 and spoke with XXXX. I requested proof that the debt listed on my credit report was valid. I was told I needed to contact the original creditor. After advising I have already tried and the provider is no longer in business I was advised by XXXX that the company is not required to send me anything to validate my debt and they do not have any letters or documents to do so. XXXX then hung up on me twice after I requested a supervisor. I attempted to send a debt validation request via certified mail on XX/XX/2019 but the company has no physical address listed only a PO Box so I am unable to obtain proof the company has received my request. I have since received two different emails from this company on XX/XX/19 and XX/XX/19 with 2 different balances and was advised they are charging interest every day the debt is not paid. Collections agencies can not charge interest on debt if they are not the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: WV

Complaint narrative:
This has been going on since XX/XX/XXXX with movement mortgage and they have attacked my wife XXXX XXXX XXXX and not updating us on our loan or giving us the closing cost. When you call there corporate they are giving you the run around refuse to update you and pass you down to XXXX XXXX and he will not return your calls or emails and making threats. They are not being professional and already out XXXX dollars without a key to my home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied/opened account in XX/XX/2019 with American Express. I opened the account with the agreement that I spend {$2000.00} in the first three months of having the credit card, and I would receive XXXX XXXX points after meeting the {$2000.00} spending requirement. I met the spending criteria, and American Express is stating there is nothing on my account saying I get the promotion. I would have never applied for the card had the promotional offer not been offered. I feel a bait and switch was done, and I kept my end of the agreement, and American Express is conveniently not awarding agreed upon points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed disputes with XXXX, Equifax and XXXX  identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I've had a federal student loan since XXXX, when I graduated. First with XXXX XXXX, who was bought out by XXXX in XXXX, which is when I began the income based repayment plan. In XXXX, I switched to Fed Loan Servicing. I was told that I would not loose the years I'd put into the income based plan since XXXX. I was given mis information ( I would say I was lied to, given the fact that I specifically asked whether I would be keeping the years I had on the payment plan. 

In addition, I never received a letter describing the plan that I'd agreed to at the time, which I was told today that I should have received. 

I am now being told by Fed Loan Servicing that the years I was on income based with XXXX XXXX XXXX were wiped out when I consolidated with Fed Loan Servicing in XXXX. 

I consolidated because I was told I'd get a better rate, and be able to stay on the federal income driven plan ... why would I have agreed to lose 6 years. 

I am beyond frustrated with the lack of ethics, and disregard for educators, who have served our children for decades!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to XX/XX/2017 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was contacted several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with regards to proof the debt. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
As of XXXX the XXXX of XXXX. Midland Funding LLC on behalf of Asset Acceptance has levied my bank account without sending me any documentation. They levied a California bank account. My identity was stolen in Michigan from the periods of XXXX until now. I have a flag on my IRS account for identity theft, stolen tax returns and someone opening loads of miscellaneous credit lines and credit cards in my name. 

This company levied all my funds somehow. I don't even know how they were A, able to get my bank info. B, I already have all my accounts in the dispute status with all the people trying to collect debts and dispute status prevents court action from being taken until resolved. 

XXXX I have called Midland Funding only to find my number was blocked. I used another number to call them. All the people answering the lines were XXXX, they gave me pure english names such as " XXXX XXXX '' and they could not source my account based on any information provided to them and kept attempting to retrieve my social security number which i wont give out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi checking and savings account on XX/XX/2019. Per the offer details : XXXX XXXX XXXX I kept over XXXX daily on the account for more than 60 days already, and have my direct deposit going into the checking account from my job. I should have gotten the XXXX $ bonus but have not and Citi won't help when I try to contact 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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed disputes with Transunion, XXXX and XXXX identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived

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 2019-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I paid off my lease in XXXX of 2017. At that time I faxed the odometer reading and bill of sale. I contacted them a few months later and they indicted they never received either so I faxed them again. Since then, I honestly didn't think about it until the beginning of this year as I am looking to purchase a new car. I contacted Kia Finance at the beginning of this year and they indicated they received an odometer reading but not a bill of sale. Since my initial call this year, I have sent them both the odometer reading and bill of sale 4 times. The first 2 were regular mail, the third was 2 day priority and the 4th was certified mail and returned with a signature. I have called numerous times and each time, they indicate they haven't received the bill of sale and can't release my title. I have begged them for help asking if I can send to someone directly that can be accountable for getting it processed, they indicated no. I asked to talk to the title department and customer said they didn't even have a phone number or contact in the title department that they could only contact them through their internal communication system. I even asked who their CEO was so I could contact them directly and customer service told me they weren't allowed to give out that information. This has effected me both emotionally and financially. I missed out on end of month deals on other cars because I did not have my title. I have cried out of frustration while on the phone with customer service reps. There is no option other than to keep resending the same information hoping that someone will do the right thing.

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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I bank with Bank of America for three years I lost my bag that had all my important things in there even my cell phone my social my birth certificate my ID I had to go to the police department to get a a card they said I cant make a repost if something was lost not stolen I have to talk to the bank I called the bank before 60 days when I notice my bag wasnt in my suit case or in the car I went on my account and seen they let someone spend over XXXX a day on my card when they told me when I first made the account thats how much a day who ever has my card spent over XXXX dollars they denied my claim two and keep asking me to do things I done everything they asked its been over 180 days pass they still wont put my money back in my account or show me why they keep denying saying charges I didnt do cause the person knew my pin I have XXXX kids Im going to lose my house this Friday if I dont pay they keep denying my case reopening it I need my money back their playing with my life

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 2019-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
My Home Loan is with Caliber Homes and it is listed under XXXX XXXX estate. I had to file bankruptcy because I was under financial strain because of everything in the home needed fixing and I am on a fixed income. Caliber had given me a loan modification during the time I filed bankruptcy. My bankruptcy attorney had to get a document signed by the court accepting the loan modification and it took him 2 years to do this. Once the paper was signed the attorney stated that the mortgage company did not want to work with me any longer and the company wanted to file a stay. Next, the mortgage company stated that the would do a new modification including all the areas. Now I am submitting papers for the 3rd time starting all over again. The company is asking for documents that they already had in the system. I am having a hard time with this mortgage company and I am getting of trying to fight for this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
I was a XXXX customer. I wasn't satisfied and asked how to send the equipment back. I was told I would be send a box and stickers to ship it back that I never received. When I started getting bills for the equipment I called several times and said that I had it and was ready to send it back once they helped me and the told me that even if I returned the equipment now it would not remove the debt owed and they had turned it over to collections despite my many attempts to return it. I do not have date because this happened years ago.

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