vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX we received a statement from our mortgage company ( Freedom Mortgage ) informing us that our escrow shortage amount is {$6900.00}, which increases our monthly mortgage payment from {$2000.00} to {$2900.00} starting on XX/XX/XXXX. 

We can not believe that Freedom Mortgage could force us into this situation as this increase is something we can not prepare for with just two months notice. They have failed to manage our escrow account appropriately or accordingly. We are extremely appalled and tremendously shocked by this misstep.

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 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. 

A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. 

Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/18 Paypal deducted {$43.00} out of my checking account three times for a purchase I made that was {$43.00}. I filed a complaint with them and accidently I put the wrong purchase amount of XXXX. They denied the claim and said I could appeal and I should show proof. I sent the appeal and explained that the amount I told them was incorrect and it was not the XXXX that I had originally claimed of {$43.00} but the correct amount was XXXX. In the first complaint they also did not acknowledge that I was billed 3 times but on their end they described it as being charged 2 times. In my appeal I explained I was triple charged and the new amount. I explained to them that they owe me {$87.00} and attached a print screen of the transactions for being charged {$43.00} three times. They did not even read the appeal and continued their review and the {$43.00} amount and only as a double charge and then denied again. When they denied again they had the nerve to tell me on XX/XX/XXXX they would be taking yet another {$43.00} out of my account! Why would they be taking that money? They denied the complaint. Thy never gave it back to me. They claim they did something called a " Provincial '' Credit. Most be some ghost credit as it never went into my account! I am tired of dealing with a company that could easily see what it going on and pretending like they don't just to earn interest on my money. They need to be stopped! I am one PayPal user out of millions and they have got to be making an astronomical amount of money playing this, " We don't understand '' game with our money. I have tried calling them and I get a rude and pretending to be confused associate. Feels like it is all part of keeping my money as long as possible. Now they are going to take more money from me. This is outrageous and as soon as we have this resolved I am going to close this account. Please help. I am attaching a extraction from my checking account showing the debits in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I did an assumption two years ago to take my ex husband off of the mortgage. Last year, my tax statements went to his new address. I called them and had it fixed. I just paid the mortgage off and was checking to see if my escrow payment was coming to me yet. I noticed they just changed my address to his new address. I know he just bought a house. Why does my accounts keep on being changed to his address? I dont understand because he longer had anything to do with that mortgage or with me. I do not want my tax statements going to him. I believe my escrow is coming to me because it was mailed before the address changed. There also might be an overpayment but I am not sure. I dont want that going to him either. 

How does this bank not have controls in place to avoid people changing addresses that are not on the account? This is how fraud happens and also people have privacy concerns too.

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 2019-01-01 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: FL

Complaint narrative:
equifax has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account-NOT MINE XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXXL XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX XXXX  XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I previously submitted complaint XXXX regarding this issue but it was closed without my being allowed to dispute HSBC 's response. 

I submitted an application for an HSBC Advance account on XX/XX/XXXX. This was after I saw the terms and conditions of a bonus offer that stated I would receive a {$350.00} bonus if I deposited {$10000.00} into the account and maintained that balance for 90 days. The fine print stated I would not qualify if I had an account between XX/XX/XXXX and XX/XX/XXXX ( attachment # 1 ). I confirmed that day ( XX/XX/XXXX ) in an HSBC chat that my previous account had been closed on XX/XX/XXXX ( attachment # 2 ). 

Th account was then opened on XX/XX/XXXX and I maintained the {$10000.00} balance for well over the 3 months. I contacted HSBC via phone, chat, email several times and did not receive an actual substantive response until I filed my first complaint. 

That response indicated the terms I explained above were not posted until XX/XX/XXXX, a day after I applied. Per the representative, the terms in effect at the time of my application disqualified anyone having an account between XX/XX/XXXX and XX/XX/XXXX, which would disqualify me. 

However, I dispute this. While the PDF of the offer I saved was not date-stamped, I found a date-stamped {$750.00} HSBC offer from XX/XX/XXXX citing the XX/XX/XXXX through XX/XX/XXXX disqualification time period ( attachment # 3 ). I also would not have applied had the offer I applied for stated XX/XX/XXXX through XX/XX/XXXX. The fact that I still applied after confirming my previous account had been closed on XX/XX/XXXX is evidence of this. 

Regardless of HSBC 's claims, the terms at the time of my application did not cite the XX/XX/XXXX through XX/XX/XXXX disqualification period. It seems very possible that the terms were posted a few days earlier than intended but that is HSBC 's error, not mine. I followed all the instructions and met all the requirements at the time that I applied ( evidence attached ) and should be credited the {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: FL

Complaint narrative:
XXXX  has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXXXXXX Unverified Account-NOT MINE XXXX XXXX  XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not 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 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Flagstar bank tried to foreclose on me in XXXX. They alleged a lien against my property in XXXX XXXX, Michigan, during a loan modification process. There was no lein against me or my wife. The burden of proof was on us and we proved there was no lein. We filed for bankruptcy to prevent an inevitable foreclosure. I've discovered since that flagstar illegally blocked borrowers attempts to save their homes. My bankruptcy was discharged in XXXX as I lost my job of 4 years. I've applied for mortgage assistance with Flagstar and have been denied. They are using the same stall tactice and dual tracking. I need help.

I have also made Flagstar aware of the XXXX issues I had. I sent papers by certified mail outlining my XXXX issues. They are reviewing but I'm sure they will foreclose before resolving the issue.

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 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a credit card with Capital One on or before XX/XX/2018. I was denied. I feel the credit failed to conduct adequate due diligence in evaluating my credit worthiness and simply denied my application to prevent me from enjoying the benefits of the associated rewards program. My denial letter provided 3 reasons. 1.Based on your credit report from XXXX, too few or no revolving accounts have a balance. This is simply untrue. Any review of my credit report will show that I have several accounts that regularly have a balance. 2. Based on you credit report from XXXX XXXX, there are too many new revolving accounts. This shows the lack of due diligence since it contradicts the prior statement made. 3. Based on your application information, income is insufficient for the requested credit. No dollar amount was requested. My income is $ 80K plus per year. It is sufficient to afford a reasonable line of credit on a credit card. I have NO late payments on my credit report. The creditor provides no means of contacting them to dispute the denial. I do not think they have complied with fair lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I have a Bay Are receivable collection with amount of {$290.00}. I have no idea how I obtained the debt, I believe that someone mistakenly has the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. 

Please see the following.

( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - Capital One : {$560.00} Anything you can do will be greatly appreciated. 

Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UBS BANK USA
State: OK

Complaint narrative:
I canceled my UBS credit card two months ago. Eithout my knowledge, they canceled my abi, its to view my card information online. 

A few weeks ago, I received a letter saying I owed a payment. I have called them twice. Both times they told me they could not send me a copy of my statement, and twice they said the auto payment I had set up was canceled when I closed the card. 

So they say I owe them money, but theyve blocked my online viewing of the statement, and wont mail me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir/Madam, On XX/XX/2018, I deposited a check number XXXX drawn on XXXX XXXX XXXX XXXX valuing {$4000.00} in my Chase checking account number ending in XXXX. I used Chase Bank ATM located at XXXX XXXX XXXX, XXXX NY. The check was accepted and I was informed that the funds will be available in my account on XX/XX/2018. I reside in XXXX, XXXX and had a scheduled flight from NY to XXXX. I returned to XXXX on XX/XX/2018. Later, I found that the check was not accepted due to ATM/deposit Error. In an effort to resolve the issue, I contacted Chase Bank via phone multiple times. The call center representatives came up with contradictory information every time. The details of my telephonic correspondence with chase is presented in an attached table. 

Finally, I traveled to New York on XX/XX/2018 to resolve this problem. I visited Chase Bank branch in the XXXX and personally met a banker on XX/XX/2018 to get a clearer picture. Even the banker in the branch was unable to help me and was astonished that they are unable to trace the original check. They suggested sending a copy of the check to the address of the party who wrote the check ( address was printed on the check ). I was informed that I shall have to wait 8-days for the check to be delivered to that address in NY. According to the banker, I must have received the copy of the check and updates about the problem much earlier. But even after the passage of around 3-weeks, the fate of this transaction in unknown. 

This ATM error and further mismanagement due to false and contradictory information presented by Chase Bank call centers has caused me a lot of mental and financial distress. I had to put my payments on hold resulting in accrued late payment fines from the creditors as well as loss of trust. It will also negatively impact my credit score. I had to travel to NY at the recommendation of the Chase Call Center representatives and the banker in the Chase Branch. And I am adding to my costs by staying in NY and waiting to receive updates from Chase. I request that either the check be returned to me promptly, or the amount be deposited in my account immediately. Further, I demand Chase Bank to compensate me for the financial and mental distress caused by their mishandling of the transaction as well as reimburse me for my stay in NY and travel between New York and XXXX. 

Thank you for your kind considerations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.

Please see the following.

( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated.

Mr. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation