vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I turned in my vehicle in XX/XX/XXXX at the end of my lease term and was aware that I had mileage overages that I would be responsible for as well as some sort of " restocking fee ''. 

Come late XX/XX/XXXX I realized I had yet to receive a bill and proactively called Chase Auto Finance where I was informed that I owed {$2200.00} and I should have received the bill weeks earlier. I asked for the bill to be resent so I could review the statement. In this process we found out that they had an old billing address. 

I always keep my billing address up to date on my credit accounts. My Chase account that I paid both my Auto Loan as well as a credit card I have with them, was up to date. It turns out my Chase account billing address online only pertained to my credit card and not the auto loan. I'm not sure how I was supposed to know that. Logic would suggest if I view and pay my bills through one Chase account, that if I update the main account billing that it would reflect across my accounts. 

Nonetheless, we corrected the address in their system and weeks went by where I received 2-3 " change of address '' confirmation letters but never received the bill. I asked them if they could email me a copy and that I would be happy to resolve it if I could see the bill, which they said they were not able to do - it had to be done through mail. They couldn't explain why I wasn't getting the bill and eventually just turned my account over to XXXX XXXX for collections. 

The only logical answer to what was happening here was that they corrected my billing address which auto-generated the " change of address '' letters that I received, but the change never reflected to the actual bill. The Post Office isn't a complicated organizational operation and if I was receiving the " change of address '' letters, there's not reason I wouldn't also be getting the bill if they'd corrected it internally. 

I raised this issue with XXXX when they called me in XX/XX/XXXX and they were finally able to get me a physical copy of the bill. I received it 5 days ago and paid the balance in full today. 

I see this as an unfair practice on behalf of Chase of an online process that's not transparent, and an internal operational billing issue that I shouldn't be penalized for. As a matter of fair practice, it's not fair to expect someone to pay a bill over {$2000.00} without them being able to review the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN LOAN SERVICING MODFIED MY HOME LOAN, FIRST AND SECOND SEVERAL TIMES OVER A TWO YEAR PERIOD. MY DEBT BALANCE WAS PARTIALLY FORGIVEN IN CONJUCTION WITH THE IMPOSED SANCTIONS AGAINST OCWEN. TODAY, LATE PAYMENT REPORTING IS ON MY CREDIT, AFFECTING ME IN VARIOUS DEGREES. I WISH OCWEN TO REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: TX

Complaint narrative:
My school loan from XXXX XXXX XXXX XXXX was supposed to be in forbearance for twelve months. However, they had been in repayment status because a six month forbearance was applied. During the time of repayment, I never received correspondence from XXXX XXXX. It was not until I applied for a mortgage that it was brought to my attention I was over 90 days late on a XXXX XXXX payment and my loans were no longer in forbearance. I never once received a phone call, email or letter regarding the repayment status of my loan. My monthly payments are only {$50.00}, the cost of the monthly payment is not the issue. 

Since XX/XX/XXXX, on several occasions, I have tried to work out this issue with XXXX  XXXX XXXX. They applied a retroactive forbearance to my loan, which covered the dates that were reported 90 days late on my credit report. I have written two letters and been in contact with several XXXX  XXXX representatives requesting a goodwill adjustment to my credit report with all three credit bureaus and XXXX XXXX keeps denying the request. A goodwill adjustment is allowed one time by the U.S Department of Education, but XXXX  XXXX to denies the request every time. 

I tried to resolve this issue by taking another route and dealing directly with all three credit bureaus. I requested written letters from XXXX  XXXX XXXX showing all the dates of my forbearance, include the retroactive forbearance that was applied to my loan. If I can show proof to the credit bureaus, they will make the adjustment to the reported 90 day late. 

On XX/XX/XXXX, I was told on by XXXX  XXXX that it would take 7-10 business  days for me to receive the documentation. As of XX/XX/XXXX, I still have not received this correspondence from them, they have yet to provide me with the information I need to clear up this matter with the credit bureaus. 

I have never once had a late payment with XXXX  XXXX XXXX and have no late payments on my credit report over the past ten years. It is crucial that I get this fixed as it may hurt my chances with potential employers, and has already stopped me from getting a mortgage. As of today, XXXX XXXX XXXX is still not complying with any requests and continues to refuse a one time goodwill/credit adjustment. They are making this process impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is blocking me from enabling the external application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This Problem is not with my checking or savings account. This problem is not addressed by the choices given on the previous check boxes. 

XX/XX/2018, I applied to Bank of America for a medallion Signature Guarantee. I supplied copies of the required documents, a stock certificate, a passport ID, and a stock transfer document to be stamped with the guarantee. 

The Transfer document was signed with a digital signature. The digital signature included a cursive signature as part of the digital signature. The Bank refused to guarantee the document solely because the signature was digital. The reasoning offered to me was that they could not verify the digital signature against a signature card on file or the Passport ID. They requested that I submit the signature without the digital indicator. I refused ; referring to 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE as my source indicating that what I had submitted was legally binding. 
Bank of America contact info concerning this info is : XXXX. ph 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 explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am a victim of navients tricks that CFPB is suing them for. I co-sign a student loan. Payments were set up for auto pay from checking account, Navient changed the amount of payment without notification. When payment was sent from bank it was rejected, because incorrect amount. This went on over six months. during this time Navient reported the account delinquent, which showed up own my credit report and affected my credit score. At this time I would like to be released from the loan as co-signee. I was told by Navient that the main borrow would have to file for me to be released. I have to way of getting on touch that person. At this time I am homeless and living in my car. I can't afford a place of my own. I just got a bankruptcy discharge in XX/XX/2018. which makes things much harder Especially getting a job or a place to live. With the student loan on my credit report makes it even harder, because it is over 11,000.00 dollars. I am one of those people that I never thought this would happen to me. I Will never help anyone ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: CA

Complaint narrative:
My personal license is not expired. The report shows it valid until XX/XX/2019. Please re-run the report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sir Finance Corp
State: FL

Complaint narrative:
Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I took out an installment loan with CashNetUSA ( CNU Online Holdings , LLC ) for {$1200.00} on XX/XX/XXXX. 

The APR is exorbitant and predatory at 276.23 %. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. Per South Carolina law, I should have only been charged {$180.00} on this {$1200.00} loan. My total paid should be {$1400.00}. 

To date, I have made 11 payments for {$140.00} each totaling {$1500.00}. I have paid {$120.00} more than South Carolina law allows. 

If I make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in fees. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory. It is also against South Carolina law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
We were in a chapter XXXX and were at the end of it ready to have it discharged. When Specialized loan Servicing LLC would not sign off for the discharge, they claimed we still owed them over XXXX dollars. We explained to him this. In XX/XX/XXXX we got a letter from our chapter XXXX lawyer about our mortgage is being transferred to Specialized Loan Servicing LLC. So we called to make a payment. They would not talk to us because we did not have a loan number. So this went on for three months but in this three months our trustee was making payments to them. Then My husband called because they would not give me ( XXXX ) any information. Finally in XX/XX/XXXX they took our payment. Then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Them I called to make XX/XX/XXXX payment and they would not take it. This is right after our lawyer went to court and won against them that we were currant on our payments and we did not own any back payments. We had also just received our Chapter XXXX discharge. I fully intend to make my XX/XX/XXXX payment I will mail it.

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 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
{$33000.00} was added to the principal on my mortgage without notifying me, giving me a reason or allowing me challenge it. Is the lender allowed to do that? Home is in California. I had a loan modifications 5 years ago from XXXX and as part of that modifications, {$99000.00} will be deferred and in 3 equal installments over 3 years of the anniversary of the modification, 1/3 of the deferred principal will be forgiven in which after 3 years, all {$9900.00} will be forgiven. XXXX sold the loan 4 years ago to Shellpoint Mortage and in XX/XX/2018, they just tacked on {$33000.00} back to the principal, thus breaching the contract. They have yet to respond to my inquiry and they are ignoring me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate.XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : XXXX XXXX XXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box. The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it. From my online account, I was able to see that someone signed on the back of the check and encashed it. My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX. I got the affidavit signed by myself and also from the Manager of XXXX XXXX. I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does. I don't have any options. I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check. Both the banks are leaving me optionless and CFPB is my last resort. Pls help me

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 2018-05-18 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to Experian that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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