vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
***LOAN FRAUD BY CURRENT USAA EMPLOYEE******NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX  YEAR OLD VICTIMS**** ***XXXX XXXX AND XXXX ( WHO XXXX XXXX   SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** XXXX IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT XXXX   ( XXXX XXXX NOW WORKS FOR USAA AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX   ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT XXXX XXXX, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Please send me documents of signed lease because I never rented from XXXX XXXX or anyone at all. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify the account. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days then you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
*****NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX YEAR OLD VICTIMS**** ***XXXX XXXX AND NATIONSTAR ( WHO XXXX XXXX SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** NATIONSTAR IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT NATIONSTAR ( XXXX XXXX   NOW WORKS FOR XXXX  AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT PROPER CREDIT, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I received an updated TransUnion credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to TransUnion detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After TransUnion conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was TransUnion able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my TransUnion credit report. This is my final attempt at a resolution with TransUnion regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.

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 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Newman, Hesse & Associates, P. A.
State: TX

Complaint narrative:
Sent me a letter threatening to garnish my wages without showing me any type of verification of a contract between me and them. And further more the supposed debt is 20 years old and the of limitations to collect in the state of Kansas is five years, furthermore I reside in the State of Texas, which means by law I fall under the state of Texas not Kansas. Which theirs is five years also which means the statue of limitations has expired and them trying to collect on such a debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
We have a mortgage with what started out to be XXXX in XX/XX/XXXX. Since that time that company has changed their name at least 10 times. They are now DBA as Ocwen. When reporting to the credit bureau it shows up as XXXX XXXX and Ocwen. They were once known as XXXX which show in some areas on the credit report it states the account closed. My mortgage is paid up to date I have a receipt to substantiate my claim yet Ocwen has not reported our mortgage paid since XX/XX/XXXX on some and XX/XX/XXXX on others. I need my credit report corrected immediately. I am tired of this company and a few others reporting in accurate information preventing me from living a better lifestyle I am quite capable of. I have been denied credit due to the inaccurate information the mortgage company is reporting. We pay our bills on time but it appears that the more we pay our bills and keep them up to date we are rewarded wit a lowering of in our credit score. A DROP IN OUR CREDIT SCORE!!! THERE ARE SEVERAL ITEMS THAT HAVE BEEN DISPUTED THAT THE over and CREDIT BUREAUS REFUSES TO REMOVE THEM. It also appears that if you dispute an item that also goes against you. I am tired of over many years I have been held down and held back because of the unfair practices of the credit bureaus. The reports from the Credit Bureau has ruined our credit life and forced us to have to struggle with extremely high interest rate and been totally denied more opportunities than one should have to endure. 
I need my cred report updated as well as my credit score.. Please tell me how a score can be dropped 40-45 points within a few weeks for paying off a credit card and being responsible citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a closed Chase Visa credit card. Each month I receive a billing statement which includes late fees even tho my payments are made on time. I then have to telephone a dispute to have said late fees removed. Each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I CAN NOT HEAR ON HEADSETS OR WHEN SOMEONE DOES NOT SPEAK CLEARLY OR WITH A STRONG ACCENT. 

LATELY IT HAS TAKRN OVER AN HOUR FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
I now have been enrolled in the Public Service Loan Forgiveness Program for 10 years. I should have been able to apply for forgiveness by now, but between FMLA for maternity leave, and one stretch where I did not work right after after the twins, I have to work for an additional year. At this rate, I will be on track to apply for loan forgiveness in about XX/XX/XXXX or XX/XX/XXXX. 

Here is the issue, and this is why I am writing you today. Beginning in XX/XX/XXXX, I began requesting a list of the total number of payments toward my 120 payments from XXXX, the current servicer of my loans. Between XX/XX/XXXX and now I would say I have contacted XXXX on more than 10 different occasions to follow up on this request. When I inquire about the request made in XX/XX/XXXX, I simply get the response your request is still being processed. I am VERY concerned that this will result a delay in my loans being forgiven. 

Now, another issue has come up. When I went to look at my history of payments on the XXXX XXXX website today, I only saw about 47 payments posted. All the payments I made in XX/XX/XXXX are missing. In late XX/XX/XXXX I was told that after they calculated by income based payment, my monthly payment was {$0.00}. I couldnt believe this and was very skeptical. I asked MANY times you are telling me that a {$0.00} payment still is counted towards the 120 monthly qualifying payments? Over and over again I was told yes. 

Today, after I saw all of these missing payments, I called XXXX and spoke to employee XXXX. I told her about my concerns about 1 ) My request from XX/XX/XXXX still not being processed and 2 ) my missing payments from XX/XX/XXXX. This employee told me your request from XX/XX/XXXX is still being processed and your {$0.00} payments will absolutely still count, but they are just not listed on the payments history, only actual payments are listed there. 
After this situation today, I XXXX  Public Service Loan Forgiveness Complaints, and I was shocked to see probably 50 articles written stating that " It has been one year since student loan borrowers have been theoretically eligible to have their loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program. And yet, out of the 28,000 borrowers who applied, only 96 have had their loans forgiven. That is less than 1 percent of applicants. This is absolutely shocking and terrifying to me. I am not the mother or the wife that I want to be because I am tethered to my job and working in non profits that work their employees to the bone. I am XXXX, XXXX, and XXXX. I feel trapped, and now I am scared there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has taken on two occasions {$150.00} from my checking account ending in XXXX for Legal. The company does not disclose these fees and they have taken for the same transaction twice. I would like a full refund as they did not send me any information prior regarding legal order fees which amount to {$150.00} per transaction. This is unfair and deceptive and they violating my consumer protection rights. I WANT A FULL REFUND credited back to my account ending in XXXX. The legal order has been paid twice already and Bank of America failed to provide proper disclosures of these fees which violated my consumer protection rights and UDAAP.

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 monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Ok so I've been having lots of issues with citizens bank, I switched from one bank to them, since then I had to have new debit card after card issued because of fraud charges on my account, after a bunch of this happening I called them yet again 3 separate times on this one occasion in which I told them to block all purchases on my account and lock the account so nothing more could be done on my account, and was told they would investigate it all, in return no investigation was ever done by them, and they left the account actively going, they allowed charges after charges to try to be made on the account so they could rack up over draft fees and returned payment fees late fees and monthly service fees on my account, they kept sending me and still do send me threatening letters in the mail that I have to pay for it, I sent in a complaint to the credit bureau and it was investigated and the credit bureau agreed it was fraudulent charges on my account, they removed that account off of my credit report, yet citizens bank is still sending me threatening letters and have reported me to the XXXX and are now blocking me from opening an account with someone else, yet I tested to see if I could open a new account with citizens bank and yet I can, just they are blocking me from banking with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Credence Funding Corporation
State: FL

Complaint narrative:
XXXX XXXX CEO OF CREDENCE FUNDING ... CONFIRMED THAT XXXX XXXX CHANGED THE ESCROW AND PAYMENT AMOUNTS AND DECEIVED THE EDLERLY COUPLE IN FLORIDA***THIS WEEK ... DUE TO THE ACTIONS OF THE PARTIES INVOLVED ... WE ADD LYING TO THE CFPB ... MISLEADING THE U.S. GOV XXXX CONSPIRING TO DEFRAUD*** FOR SOME REASON XXXX XXXX AND CREDENCE FUNDING CORP THINKS IT CAN ISSUE FRAUDULENT LOANS AND THEN SIMPLY HIDE FROM THE CONSUMER AND THE CONSEQUENCES ... *** XXXX XXXX IS THE PRIMARY CRIMINAL HERE BUT THEY GET AN SSIST IN THE CONSPIRACY TO DEFRAUD FROM XXXX XXXX AND CREDENCE FUNDING CORP*** WE HAVE REQUESTED CORRECT LOAN ORIGINATION DOCS ... THEY DO NOT EXIST*** XXXX XXXX AND CREDENCE FUNDING DECIEVED AN ELDERLY COUPLE AND THEY NEED TO BE PROSECUTED*** ****PLEASE NOTE THAT XXXX XXXX   ANSWERED THESE COMPLAINTS PRIOR AND LIED TO BOTH THE CONSUMER AND CFPB**** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I shifted to XXXX last year because I am eligible for and going for the Public Service Loan Forgiveness program. I have been on the same income-based repayment plan since 2013. This last year, my income went up drastically. I've done my research and learned that I can stay on my plan, I just might need to pay more. I'm fine with this and it makes sense given the fact that I am going for PSLF. 

I have now applied twice to renew my plan, and been denied twice. " A letter '' is coming to me, but I was denied the first time on XX/XX/XXXX and still don't know why. I re-applied yesterday and was denied again today. I have received no contact back from them when I ask why. 

They are now moving forward with putting me on the standard payment plan, adding interest back to my loan so my payments are increasing even more, and ignoring my requests for an IDR repayment plan. I was with two other loan companies that were amazing, and am so frustrated that I have this experience now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: DISCOVER BANK
State: VA

Complaint narrative:
I was approved for a Discover Card at the end of XX/XX/2018 with the promo of 14 months at 0 % interest. I just so happened to check my most recent statements and noticed I was charged interest. I was charged {$17.00} in XX/XX/XXXX's statement and {$21.00} in XX/XX/XXXX 's statement. Perplexed, I contacted Discover 's customer service, thinking this was an error. The customer service agent looked into the matter and informed me they did not see the promo on my account. At which point he transferred me to a supervisor. The supervisor, too, looked into the matter and informed me that I was not eligible for the 14 month promo as this was based on credit worthiness. At this point I was shocked, I have never before been approved for a credit card that offered an introductory 0 % interested and then been told, yes I got the card but not the 0 % interested because my credit was not good enough. I found this to be very underhanded and deceitful. At this point I looked at Discovers site and they were still offering the same promotion. I read the fine print and there was nowhere in the online disclosures that stated the 14 month 0 % promo was based on credit worthiness. Obviously, when applying for the card these are the only disclosure you are privy to at that time. It does state in the only disclosures that after the 14 months is over and APR kicks in, that is based on credit worthiness, which is expected. 

After reading the information on the site, I called back and asked to speak to the manager above the supervisors. I was contacted a little less than 24hrs later. At which point she offered to refund the most recent interest charge of {$21.00} and 12 months interest free. I accepted the refund of {$21.00}. However, I would like to have my 14 months interest free. That is what the offer stated, and that I what I am due. I would also like to have the {$17.00} interest refunded as well. My balance is currently at XXXX, I have not had any missed payments, nor have I exceeded my balance. I have been a model card holder since receiving my card. I carried a balance XX/XX/XXXX and XX/XX/XXXX, but have since brought the balance back to XXXX. 

The fact that I was told information that based on their website disclosures was incorrect, is completely unacceptable and deceitful. I am really taken aback and quite frankly feel that XX/XX/XXXX is not a good company to bank or do business with and I wont be recommending to any friends or family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.

Company response to consumer: Closed with non-monetary relief