vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
on XXXX XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXXXXXX XXXX XXXX XXXX XXXX as a nominee for XXXXXXXX XXXX XXXX, a New York Corporation to XXXX XXXX XXXX XXXX XXXX XXXX as trustee on behalf of holders of XXXX XXXX XXXX Pass-Through Certificates, XXXX XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house on XX/XX/XXXX in the amount of {$300000.00}? On XX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan. I filed for bankruptcy in XX/XX/XXXX and wanted to submit a loan modification once the bankruptcy was discharged. So I had my attorney 's office try to get a modification package from the banks attorney. My attorney 's office has been trying to obtain a loan modification package from the banks attorney since XX/XX/XXXX, they didn't get a response bank until XX/XX/XXXX. That was almost a month that went by and their office never got back to my attorney.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased tires from a local XXXX XXXX tire center and was offered a discount if I used their credit card. I was told that it was also interest free for 6 months. 
After the 6 month period ended I found that the offer was falsely described to me and the promotion was " no interest '' only if I completely paid it off prior to the end of the 6 months. 
Since it was on auto pay I missed the date and was charged interest on the full amount at the rate of 29.99 % I believe this promotion was intentionally misleading in its setup, design and the way it was communicated.

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
XX/XX/2018, Collection agency identifies themselves as Halsted Financial Services contacts me from phone number XXXX. Claims they are collecting debt for XXXX. I requested them to substantiate the debt, and send me all paperwork on the matter. Representative threatens to " take this matter higher '' and warns me that failing to pay today will damage my ability to obtain credit cards, auto loans, and other things. Representative does not give me any contact information for Halsted Financial, so I request him to stop calling me until he provides paperwork regarding this matter mailed to the address he has on file. He warns me that I am being " uncooperative '' and disconnects the call. 

No such account exists on any one of my credit reports, and even after i alerted the representative that I had never done business with the company, he continued to harass me to pay this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/2017 REPORTING AN INQUIRY ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2017 while I was working at my home office I received a text message from Chase asking me if I had used my credit card ending in XXXX  for a {$2900.00} purchase at XXXX XXXX. I replied No.

Chase then told me my account was disabled. I called them. They asked me if I had my card and I believe I told them that I did.

However, this is an XXXX card that I have almost exclusively used for online purchases. I rarely carried it in my wallet and also rarely used it after the new XXXX card came out with 5 % off everything. My history proves this.

After the call I looked for the card but could not find it. I did not worry because Chase told me it was disabled.

A little while later I got a bill including a {$2000.00} plus charge at XXXX XXXX XXXX. I was stunned as I thought the card had been frozen. I did not make any purchase in XX/XX/2017 at XXXX. I have not been in one of their stores in years.

Despite my quick replies and calls to Chase I am being stuck with a charge that I did not authorize.

Please review my credit history and the history of this card. I have excellent credit and you will see the long term use pattern of the card is verified in this letter.

I did not make the purchase at XXXX XXXX XXXX and I do not believe I should have to pay for a purchase I did not make.

Does anyone have access to video camera footage at XXXX? It will prove me right.

I have filed a complaint with my state Attorney General 's office. They have told me to file a police report and to file a complaint with CFPB, too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Approximately 6 months ago a pop up came up to apply for the new Paypal cash back card when I signed into paypal. The card is supposed to pay 2 % cash back on all purchases. All the paper work, my monthly statements and the card itself state this. But evidently internally to the company it does not pay 2 % cash back.I have been promised a call from a supervisor numerous times and have never gotten one. I would like the company to be honest about what is going on.

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 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Excessive repeated call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
I made a settlement agreement with account control technology for {$20000.00} On XX/XX/XXXX they send a written statement on XX/XX/XXXX They called me again at the beginning of XX/XX/XXXX to tell me that the principal amount had changed to {$16000.00} and if I wanted a new settlement I agreed and the change in the amount equals the amount of the first offset {$3800.00} The new settlement came in at {$12000.00} Then there was another offset of {$5300.00} they refuse to credit this offset to the last settlement agreement argued that it went to principal and fees when we had an agreement in place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and Wells Fargo dealer services has refused to update with the correct information.

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 2018-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXXXXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,

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 2018-05-23 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiry is listed on my XXXX, XXXX  and Trans Union credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to 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 explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiry is listed on my Experian, XXXX and XXXX XXXX credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to 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 2018-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On Sunday XX/XX/XXXX I went to the atm at suntrust in XXXX  TN. I made a deposit at the atm that consisted of a {$100.00} check and {$1500.00} in cash. The machine froze up and ate my money and my card was stuck in the slot. So I pulled my card out with a pair of pliers and had to leave. Ive filed 2 claims now and went by the bank on Monday the next day XX/XX/XXXX. I was told Id get an email for temporay credit. Its now day 3 since the event and I still havent received one. So now on Wednesday XX/XX/XXXX I have just left the bank again after speaking with the branch manager. Once again he just made a phone call and I was told the same thing again its going to be 7-10 business days. Thats 2 weeks without the money I needed to pay some things with. This is total bank error and not my fault since the machine glitched on me. I need my money back as soon as possible I hope this will help.

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 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and XXXX XXXX XXXX XXXX has refused to update with the correct information.

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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
My father passed away XX/XX/2016. I am the heir of the property and believed my father paid off his loan with Ocwen Loan Servicing. I was wrong, I am requesting for a loan modification for heirs who have inherited property. I have given my mother Durable Power of Attorney, because at the age of XXXX years old, I am still distress about my father 's death. I want Consumer Financial Protection Bureau to understand that I want my family want to remain on the property. However, I placed a modification and sent my father 's death certificate and my mother 's durable of attorney and the right to speak on my behalf through the Department of Registrar Wills in the State of Delaware. I am very concern with Ocwen Loan Servicing practices of loan modifications, because our family has been ignored about our complaints about the robo-signing documents that were signed by people who had no knowledge about whether the information contained in the documents was correct, charging improper fees, providing false or misleading reasons for denying loan modifications agreed by the prior services. 

The family wants to hold Ocwen accountable for these servicing violations. Also, the family wants Ocwen to help assist the heirs of reestablishing loan modification for struggling heirs, who wants to remain on the property. For example " write-down '' loan modification that reduces the principal balance on the loan. A lower principal balance that results in a lower payment and mortgage loan placed on a forecloses hold until clarity of the next-to-kin has an opportunity for loan options and resolutions. 

The family is asking for the Consumer Protection Unit to help the family understand and determine the status of a pending loss mitigation request within Ocwen Loan Servicing practices, because Ocwen can not refer a loan to foreclosure, initiate a foreclosure, or proceed with foreclosure. In the State of Delaware, Ocwen are bringing all possible foreclosures under " XXXX XXXX XXXX XXXX. '' Secondly, Ocwen must honor loan modification and cease going to court in Delaware. Third, Ocwen must assign a single point of contact to the next to kin regarding the loan modification, as the family wants to request loss mitigation. Finally, the family wants all servicing fees must be legitimate. 

Respectfully,

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 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. 

I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. 

On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. 

I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. 

On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. 

On XX/XX/XXXX at XXXX XXXX  I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. 

I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. 

Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I get called literally 10 times a day by XXXX XXXX regarding my XXXX XXXX account. I told them on multiple occasions that I am currently unemployed and a can not afford to pay them right now and that they need to close my account and I will pay once employed. Yet they still keep calling me harrasing me stating that I will get taken to court and matters are going to escalate. They got the numbers of my friends and keep calling them. They literally called my friend today whom I havent spoken to in years and they told him that I owe {$1700.00} on my XXXX XXXX  account and he called me to tell me that. Thats illegal why are they sharing my account information with a random person whom I havent had contact with in months. Im so fed up and they keep harrasing me. I even changed my number and they got my new number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solutions has reported derogatory information on my credit report that I do not owe them. They have violated my rights under HIPPA and FCRA in this manner before. They told me that they would remove ALL of those negative and illegal items from my credit immediately and have failed to remove ALL of them. There is still one reporting for the amount of {$290.00} in which I do not owe to them.

Company response to consumer: Closed with explanation