vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.

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 2017-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I wrote a letter to Navient asking them to send me the correct information about a closed loan that was opened in XX/XX/XXXX. They were reporting it to the credit bureaus as closed and paid late 120 days, but they never showed on the report the specific months or times when I was late. Each month just said OK or ND for no data. When I wrote them, they replied that my claim can not be substantiated and when I disputed the inaccurate information, they replied " meets provisions of the FCRA. '' In XX/XX/XXXX, this same account reported as " time since last late 72 months ago '' now it says " 43 ''. This is ALL wrong and if they ca n't fix it I want it completely deleted from my report bc it is damaging my other wise perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.

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 2017-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: AR

Complaint narrative:
I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a {$200.00} prepaid U.S. Ba nk Gift card a s a gift. I never even opened the package until I first attempted to use the card in  XXXX  of   XXXX  . The package says the card valid until  XXXX , so I never thought there would be a problem. Upon trying to use the card for the first time, it was denied. My first phone call was to US Bank, they told me the card had been compromised, and they would reissue me a new card. I receive a new card with only {$11.00}. I called back, and they said now I would not have to fill out dispute paperwork for the  XXXX   XXXX   XXXX  unauthorized charge of {$180.00}, which I did submit. Then I receive a letter stating my request was denied due to the fact the suspected charge was older than 120 days. At no time did any customer service agent tell me this would have been an issue. No where on the outside of the package does I say there is a timeframe for disputes, or the fact that the card not protected if not used within so many days. Can you advise me if I have any other recourse?

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 2017-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XXXX Per your response : According to Ditech records correspondence was mailed to your attention dated XX/XX/XXXX informing you that the servicing of your mortgage loan would be transferred to XXXX XXXX effective XX/XX/XXXX. Specifically Ditech stated that payments would not be accepted from you after XX/XX/XXXX. However, I never received such correspondence. I receive virtually nothing via US mail. Often I do not even clear my roadside mailbox for weeks without a request from the postman. What I would like to know from you is how much NOTICE is required/appropriate to provide a customer before such significant changes are made? Further you responded : Ditech received an email inquiry from you on XX/XX/XXXXstating that you tried to make a payment online and discovered that your account had been closed. Ditech responded to your inquiry on XX/XX/XXXX, explaining again that your account was sold to XXXX XXXX on XX/XX/XXXX. This is indeed true. In this particular month I was experiencing issues with my automatic BillPayer service and planned to pay online. Since I experienced problems I was force to manually send a check. I stated in said email that the account indicated it was closed. Knowing my loan had not been forgiven I merely assumed the site was mess-up. As to any XX/XX/XXXX mailing please see my earlier response. Additionally, I was at my PA home by XX/XX/XXXXthru XX/XX/XXXX and please note that Ditech doesnt claim to have responded to my email, with an email. Or by phone contact for that matter. My check was cashed by Ditech so no further thought was given to your site problem. As for the balance of your reply you are incorrect. Ditech received monthly payments thru XX/XX/XXXX. All except XX/XX/XXXX ( check ) were electrically sent by my BillPayer system and accepted by Ditech, per my provider. With regard to any checks you plan to send, do not send them to me. Send them to XXXX XXXX, the rightful owner. Ive reported this nonsense to the VA in the hopes they will discontinue the use of such flawed providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my name is XXXX XXXX i submitted a dispute to transunion on XXXX XXXX ,2017 today is XXXX XXXX ,2017 and there is no response or update at all now ive called transunion and they hang up on me or leave me on hold like today for 3 hours and hang up the item im disputing transunion has on file # XXXX the collection agency shows a amount of XXXX $ and name of XXXX XXXX XXXX and the reason im disputing is because they have sent no proof of how they are validating my information because they have non please this has affected my credit severly and caused financial ruin with my credit in the dumps you can

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Scott Fetzer Financial Group Inc.
State: OH

Complaint narrative:
XXXX 2013 two men came to my door to demo a XXXX XXXX. I ended up getting financed through United Consumer Finance Services ( UCFS ) XXXX XXXX XXXX XXXX, Ohio XXXX. At that time the XXXX men did n't have all the items to the sweeper because they said they sold all of them and all they had was the demo one which was still new but they said they would bring me the rest the nest day. Which the items were the shampooer and hoses/attachments. So the next day I try calling and texting the seller with no response and kept trying everyday for about a week then he texted back and told me sorry that he was fired and I would have to call XXXX to get the items which I did but they ended up telling I had to pay for the all the items which really was upsetting. I ended telling them I did n't want it then since I should have got those items in the first place. After that I contacted UCFS to tell them I returned the sweeper but got a very rude lady who did n't care nor would listen to the problem. I just let it and did n't bother with it until XXXX  of this year I wanted to check my credit because I wanted to buy a house and this whole time UCFS has been reporting the info on all reports. I tried to Dispute it through the credit places but that did n't work so I made a complaint through BBB which went on a good month back and forth because this company is rude and wont listen and to top it off LIED! I got them the name and number to the guy that sold me the sweeper and text messages of me not getting the items. UCFS went on lying saying they called me several times and I told them i was completely satisfied which was not the case i tried telling the guy from UCFS that i never said and went on to tell him about the very rude lady that works for him and he just did not listen or work with me. Its not fair to pay for something that was returned first off nor is it fair to suffer credit wise because of XXXX companies! I just want this off my credit as it should have been when the item was returned. Plus they purposely flagged my credit for lates so my score dropped more because I disputed it and made a complaint. Is that even allowed? I just want to add that XXXX XXXX is the XXXX guy in the text message documents.

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 non-monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted  XXXX   XXXX   XXXX  to ask about the multiple inquiries on my credit report and was transferred many times to where they are giving me hypothetical situation to where they might have happened.   I had an account that was opened in    2015  with this bank and never have given permission or applied for any other services with this company.   If this was in error, please delete the inquires immediately from the credit bureaus

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 2017-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I signed up for a new checking account with Wells Fargo on X/XX/17 during a promo they were running. I am suppose to recieve a bonus of XXXX dollars after I made XXXX debit card transactions and online statements. I met all the requirements and emailed customer service on X/XX/17 to inquire about my bonus. I was told that I would have to fill out a XXXX form and mail it back when received, I recieved the form on X/XX/17 filled it out and mailed it back. I emailed customer serivce on X/X/17 to inquire about the bonus and told it was under investigation and I would recieve a respnse within 14 business days. I emailed again on X/XX/17 and recieved the same exact message about 14 business days and it was under investigation.

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 2017-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
Approximately XX/XX/XXXX - XX/XX/XXXX, I had left XXXX as a customer. I had contacted them and on a recorded line, their people agreed to a payment plan where I would pay $ XXXX- {$80.00} a month on the amount of my cancellation fee and the remainder owed. I proceeded to make the first payment that was agreed upon of {$50.00}. <P/>The following month, I went to make another payment of the agreed upon amount, I checked my mail and found they had sent me to collections via Diversified Consultants, for the amount of {$230.00}. Upon contacting XXXX to ask about what had occurred to nullify the agreement that was made ( and after being hung up on multiple times ), they had said that I would not have been sent to collections if I had paying what was owed ( even though I was told we had an agreement to a payment plan. ) Upon calling Diversified Consultants to try to remedy the debt, I offered 65 % the sum of that was owed. They refused to accept it. Upon asking if they were refusing to accept any payment on a recorded line, they said yes. <P/>XXXX then continued to send notices of the debt via other collection agencies and contacting my family to where I had to tell them to cease and desist contact to my family. I disputed the validity of all the notices of the debt when I received them, As well I was still receiving email statements from XXXX asking me to pay that amount to them. <P/>In XX/XX/XXXX, I had received another collections notice. Upon dispute of the collections notice, I received correspondence from XXXX about disputing the debt that was owed. Upon filling out and sending the information they requested via mail, I received no further notices about the debt. <P/>Approximately XX/XX/XXXX, I went to review my credit information, and found that Diversified Consultants had reported on the XXXX XXXX XXXX XXXX, the sum of {$230.00} as being delinquent. <P/>Written proof available upon request. Due to account numbers on statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sir/Madam : While on vacation in XXXX XXXX, XXXX last XXXX XXXX, 2017, I checked in to XXXX XXXX for XXXX XXXX. After 3 days I was discharged, but to my shocked I was billed for {$62000.00} on my Chase Bank visa credit card. Chase Bank agreed to pay this amount. Chase Bank refused to listen to my appeal. My visa credit limit is for only {$15000.00} and Chase Bank went way way beyond the credit limit. <P/>The XXXX XXXX XXXX in XXXX is only for {$21000.00} and this hospital charged my credit card {$62000.00}, three times of what they would charge for an XXXX XXXX XXXX. I was treated not for XXXX XXXX XXXX, but for a simple XXXX XXXX. It would cost a couple of thousand dollars to give an XXXX XXXX. No question I was victimized like other American tourists that needed some medical treatment. <P/>My wife and I are both retirees and dependent on our SS pension for our daily existence. There is no way we can pay this humongous and unjust charges. It took us several years to save for our vacation to XXXX. The monthly interest plus principal payment on this huge amount would be around $ XXXX-XXXX monthly. This is way beyond our budget. We ca n't survived with this added amount to our budget. Please help to make Chase Bank to rectify this unjust charges. Before checking in to this hospital, I have a credit card balance of XXXX which leave me {$8000.00} I can spend. I 'm willing to pay the whole {$8000.00} to this hospital just so we can go with our life. <P/>We badly need your help. Chase Bank is a multi XXXX company and should be considerate to tightly budgeted customers like us. <P/>Sincerely, XXXX. XXXX

Company response to consumer: Closed with explanation