vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.

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 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.

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 2016-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has not applied my payments in a timely manner. My Nationstar mortgage statements do not appear to be correct, they do not correctly reflect my unapplied funds balance. Nationstar still continues to charge me late fees with my account being current. Additionally I have emailed Nationstar requesting account information and a detailed transaction history multiple times, to no avail! Nationstar has also illegally applied late payment charges in excess of the 4 % allowed by law and my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: PA

Complaint narrative:
On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc.
State: AZ

Complaint narrative:
I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.

Company response to consumer: Closed
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a student loan payment on time, received confirmation, but Wells Fargo says I did not pay for that date, even though I did, and the payment confirmation shows so. 
I sent proof to XXXX XXXX at the executive office over a week ago. But thus far, I have not heard back from XXXX XXXX, despite several emails and phone calls. 
Would you be so kind and find out why their own payment confirmations dont seem to be sufficient to proof that a payment for the due date shown was made. 
Thank you, 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 explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Veteran with XXXX, trying to refinance home to lower years and lower payment, found out my VA home loan got changed by PNC to a conventional loan. Having a hard time doing a VA streamline refinance when you 're being told you do n't have a VA guaranteed loan anymore. Have talked with numerous people at PNC, some say records have been purged, VA does n't have to guarantee a loan ( I already had a VA guarantee in XXXX on this home before I refinanced with PNC in XXXX ), all my closing Documents for XXXX state VA rider, VA guarantee, and so on, my hud-1 says VA. I would like this done ASAP so my new refinance can proceed expediently

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: CO

Complaint narrative:
I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Dyck-O'Neal, Inc.
State: GA

Complaint narrative:
My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that " we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender, this account should have been reported when we opened the account but was never reported until XX/XX/XXXX, I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years, because of the land it was on. That is the only reason, I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account, which brought me to current when I left the property. 
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword, it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power, that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program, so I believed everything that was told to me. If you will please get someone to update my credit report to show current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I started a mortgage with wells fargo in 2014. I asked for the mortgage to be XXXX the mortgage ended up being XXXX. In order for me not have PMI for the life of the loan, I could have paid XXXX, which was the equivalent of XXXX. The house was valued at XXXX. No one from the bank disclosed to me that if I paid 10 % I would have been able to get rid of pmi at some point during the loan. I was at almost 10 % of the loan payment. Had I known this, I would have completed it. Now I have had to refinance and pay money to get rid of the PMI.

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 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP
State: GA

Complaint narrative:
The first point was A law firm called the " filing firm '' called to attempt to collect a debt. The person that called was a female first using my voicemail, claiming to be someone called ramerez. The message also concludes that this call is for XXXX XXXX XXXX or his attorney, stating that we have been named in a lawsuit, the first name is also inaudible. The person answering the phone claims to be a person that is allowed to handle the case, because there attorneys are in a meeting at the time you call. At approx XXXX and then goes into a large amount of money for the debt, claiming to owe {$1000.00} and then waits to see what you have to say. 

The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation