vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: NY

Complaint narrative:
i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.

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 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech offered a " loan modification '' which I took advantage of and received a letter on XXXX XXXX, 2017, confirming my payment amount which did not change. On XXXX/XXXX/17 my bank, XXXX, sent a payment to Ditech in the amount of {$1300.00} which was the balance owed for the monthly payment since there was {$180.00} being held in suspense. The monthly payment is {$1500.00}. Ditech took it upon themselves to use this monthly payment toward " other fees '' which they NEVER said a word about to me! They MUST apply my mortgage payment to the XXXX payment and NOT charge me the late fee which they are now charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  
  
 The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.

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 2017-08-23 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: OH

Complaint narrative:
I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX   (  now known as  XXXX   ) one week later asking on when my credit report would be updated accordingly. I  was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX   And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX    (  which I do not ) it is past the  statue of limitations to collect and merging a previous bill does not seem to be right. I the n asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted   XXXX   by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with   XXXX    
  
 The issue here is that this information is still reporting the same on all  3 of  my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC Business solutions is currently stating that I owe them {$520.00} for a debt for an apartment building I never lived in. The only thing I did was submit and application to live at the apartment building and I was turned down. The application for the apartment building was only {$25.00} which I paid at time of application. I am confused to as to why they are stating I owe them {$520.00}. The original creditor/Owner of the debt as acknowledge that his debt is not mine and have made attempts to solve this matter but NCC business solutions has not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: MO

Complaint narrative:
My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WV

Complaint narrative:
I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through Experian credit agency. 

Regarding : Suit or judgement notification submitted by XXXX XXXX XXXX. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : XXXX XXXX XXXX Status : Grid code 9 Case number : XXXX XXXX XXXX of XXXX, IN I have called XXXX to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ref : Synchrony Bank LOWES In XXXX of I received a statement with a BALANCE of {$56.00} which was paid off completely through my bank account on XXXX XXXX, 2017. After paying the debt off through my Bill Pay provider I did not receive any further statements from the company until a couple months ago when they claimed I owed an additional balance of {$53.00} which later was assessed one late fee of {$29.00} and another of {$38.00}. After speaking to them today they did apologize for the error and refunded the fees however after asking them to correct the credit reporting they suggested to file a dispute with their customer service department. The obligation of a creditor is to service a debtor in a manner which correctly and accurately reflects pay history including correcting their errors. My first complaint is that after the payoff was sent and received by Synchrony there  were no additional statements sent to me in reference to a balance but then continued to accrue late fees which is an abusive practice for an amount which was paid in full with proof on my bank statement and per the representatives conversation that they apologize about the inconvenience. Actions such as this are abusive to consumers in many ways due to blindly charging fees, stopping statements, then not acting to correct any erroneous credit reporting. 

Thanks, XXXX XXXX XXXX

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 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end. 
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details. 

XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card. 

XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end. 
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX. 

I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back. 

Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account. 

After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.

Company response to consumer: Closed with explanation