vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
problem occurred  XXXX   XXXX . I tried resolving :  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  x  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  the bank has ignored us and has NOT ANSWERED OUR QUESTIONS about how on earth someone other than myself and my husband ( the  XXXX  only card holders ) can just call up and get  XXXX  points. We have CONTACTED THE M 87 ti mes AS A COURTESY to ANSWER OUR  XXXX  questions as to how our PRIVACY has been breached and continues to be breached?! See attachment. The bank THINKS that by chopping up the card, giving us a new card and a few lousy points will suffice? NO WAY! ANSWER OUR  XXXX  QUESTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On  XXXX   XXXX ,  XXXX ,  XXXX  ceased servicing our loan and sold those rights t o Select Portfolio  Servicing. We disputed  XXXX  's handling of the servicing and the late fees they had alleged were due and this dispute was ignored.     Then, during the transfer from  XXXX  to  Select, Select did  not pay our Real estate taxes on time in  XXXX .  XXXX   XXXX   School District verifie d the receipt of the late payment penalty check #  XXXX  in the amount of {$290.00} prepared on  XXXX   XXXX ,  XXXX  from  Select Portfolio ( see attached ). (  This tax payment should have been made by the discount date as wel l ). Th is failure to pay our real estate taxes timely and had we not caught Select 's error, our home was placed in jeopardy of being sold at sheriff sale by them. Upon learning of the error we filed verbal and written complaints with Select that were initially ignored, acknowledged on  XXXX   XXXX ,  XXXX  &  XXXX   XXXX ,  XXXX  and eventually dismissed. They forwarded to the real estate taxing authorities amounts that were greater than the discounted amount and the face value. They have not refunded those penalties and interest to us. They had us absorb and pay amounts that we were not legally required to pay. This higher payment disbursement amount and their failure to fix what had been done was the direct cause of financial hardship for us.  Select Portfolio  then increased our escrow account monthly payment to approximately {$660.00} an increase that was calculated incorrectly and caused an even greater financial hardship.     These errors and increases resulted in threats to foreclose on our principal residence.     After getting no reasonable response to the above issues, we prepared and submitted a request for mortgage assistance and that was not handled properly. We provided Select with all of the information they requested timely. We have been paying 5.125 % interest on our loan when we should have been approved for a reduction to below 4 %. This would have resulted in a savings of at least $ 200 /mos.      Their use of foreign call centers has contributed to this company 's failures as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Triple AC Resolutions
State: CA

Complaint narrative:
Received a phone call on or around  XXXX   XXXX  , 2017 fro  m TSC Associa  XXXX  claiming to have legal documents that were just attempted to be delivered. I told them I was minutes from home and if the driver was still in the area, to have him return so that I could sign for them. They declined that option and told me about a phone number I had to call to proceed with scheduling the delivery. I looked this up online to check if it was a scam and found that to be true and did not pursue further. Two weeks later, I received another call and told the caller that I was actually home and that no delivery attempt was made. I then told him I knew what was going on and to stop calling. Today,  X/X/2017   , I received another call from  XXXX  and did not answer, but a voicemail was left stating that I had  XXXX  hours to respond or that they would assume I acknowledge the information was accurate and they would deliver the documents. My mother, father, brother-in-law, and sister were all called in succession from this company and they claimed I listed each of them as an emergency contact in pursuit of finding out my information. This was also false. I do not know how they obtained my information and my families information.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CFS2 Inc.
State: GA

Complaint narrative:
In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the Federal Tax lien on my credit report with all  XXXX  reporting agencies and both   XXXX    and  XXXX   XXXX  have removed this permanently from my record. I contacted Equifax last  XXXX     2016 a nd furnished proof  of the Release of Federal Tax Lien an d they did not remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On  XXXX   XXXX     2016 I  called century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a vehicle purchased  via Chase wher e I was listed as a co signer. After a few years the last payment that was to be made on the vehicle was returned ) ( I received this information from the Rep AFTER it was reported on my credit files  ). I  never received a phone call or a letter regarding the issue and the debt was just put on my credit report without me being notified whatsoever. I contacted Chase to let them know that I was unaware of the situation because no one reached out to me about the issue. The lady gave me a  XXXX   XXXX  address that was on file, which was n't my address nor have I ever lived there. I want this deleted from my credit report due to unfair collection practices and depriving me of resolving the issue before it got reported.       Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I requested, in a Qualified Written Request on  XX/XX/XXXX  on a number of items, detailed in a letter attached an d SunTrust re plied on  XX/XX/XXXX . Suntrust  : 1 ) Fa iled to provide me the requested items particularly modification documents from  XX/XX/XXXX / XX/XX/XXXX .  <P/>  2 ) F ailed to address my concern in a modification request that  my Uniform Borrower Request sho ws affordability of the mortgage.  <P/>  3 )  Asked me in  XX/XX/XXXX  to make  3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a  XX/XX/XXXX  reply to CFPB yet SunTrust has disregarded its  XX/XX/XXXX  approval and confirmation that the modification was approved.  <P/> 4 ) Sent two misleading letters to me on  XX/XX/XXXX  that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day.  <P/>  5  ) Denied a request for forbearance in a  XX/XX/XXXX  application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my  XX/XX/XXXX  modification was rejected when SunTrust had the three TPPs timely.  <P/>  6 ) Nev er asked me to support my income in th e Uniform   Borrower Appl ication submitted in  XX/XX/XXXX  and if they had, it was improper, in that  SunTrust  had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge.  <P/>  7  ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision.  <P/>  8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns.  <P/>  9  ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General.  <P/> 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses.  <P/> 11 ) Noted that my loan is 28 months past due when it issued a new modification in  XX/XX/XXXX  and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely.  <P/> 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n  XX/XX/XXXX  con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting.  <P/>  SunTrust,  via  XXXX   XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score  which might cause a higher rate. He gave me the name of the collection company and the  XXXX   XXXX  number.     I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report.     A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20  XXXX  representatives.     They want me to get notarized statements and fax them the info.     Why should i have to pay out money for their mistakes. I told them the y may  have a policy, but my policy is to not pay for their mistakes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.

Company response to consumer: Closed with explanation