vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper never reach out to me concerning my HAMP Loan Modification I applied for in XXXX, instead I am getting a foreclosure sale notice letters six of them which I received on XX/XX/XXXX. Mr. Cooper who has registered as a mark service for Nationstar Mortgage still operating its business as Nationstar Mortgage severally in the past has asked me to submit the same documents over and over again which were promptly submitted but were never used for the purpose intended, that is to be used for the modification of my loan. Instead Mr. Cooper gave me the run around, engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification. Mr. Cooper never conscientiously tried to help me modify my loan so that I could stay in my house. Instead, Mr . Cooper engaged in looking for any rabbit hole it could find, all in an effort to justify itself why it could not modify my loan. Is even more worst now not giving me any logical reason why it has scheduled a foreclosure sale on my house for XX/XX/XXXX. It is very obvious that Mr. Cooper 's goal is to sweep my HAMP Loan Modification I applied for in XXXX under the rug. Mr. Cooper can not unilaterally resolve my HAMP Loan Modification because the HAMP Loan Modification Program guideline specifically said that to resolve a loan modification under the program it has to be bi-laterally resolved and no unilaterally resolved. To do so, is in a violation of the HAMP Loan Modification Program guideline. Mr. Cooper again is violating the Virginia Bankruptcy Law by constantly touting me with a Voluntary Payment Coupon in the amount of {$450000.00} which is illegal. I filed for bankruptcy XXXX and my wife filed in XXXX and both were discharged. The XXXX XXXX XXXX  in the foreclosure sales notice letters I received from the Trustees claimed that it enclosed advertisement as published in XXXX XXXX XXXX  about the foreclosure sale which is not true. I could not find any advertisement in any of the six letters I received from the Trustees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I use online banking to pay all my bills. I give them the amount and date due. They in turn send the amount to the various companies to be delivered as per requested. 
XX/XX/2018, {$930.00} was paid as directed. 
When I received this month 's bill, I was charged a late fee and interest for last month! I looked at account on line, and talked to bank. They said the check was sent 5-7 days prior to due date. Yet the deposit from XXXX said they did not deposit it until XX/XX/2018! I did everything proper, according to the bill and according to online banking rules and yet I am the one penalized! 
I called XXXX with all these documents and asked the late charges and interest be removed. I have been their customer for 20+ years and never been late! I was on the phone for 45 minutes and spoke to three departments, four people. They would not do this! What kind of customer service is this? I got disconnected and no one called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Trying to get a small line with lend up but capital one has my account blocked I'm trying to put money to cover my negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I mailed a debt validation letter on XX/XX/XXXX to XXXX XXXX XXXX to validate the alleged debt. I stated in the letter that the collection agency has 30 days to validate the debt which they never responded to my validation letter.

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 2018-06-06 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: Credit Karma, LLC
State: PA

Complaint narrative:
I have two hard inquiries that I have never given permission for, my account was involved with identity theft. I had that resolved from my bank, then I found these two under credit karma. 
XX/XX/2017 : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the number is not available XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX the number is not available

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AAA Collections
State: SD

Complaint narrative:
They called me to harass me about a debt they already tried to harass me about before. I told them to stop because I wanted nothing to do with them and today this morning they called again. Only now the debts they are trying to collect are outside the statute of limitations in my state. They were rude, hung up on me, and talked over me and wouldn't answer my questions related to the debts. I didn't acknowledge them because no specific info was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 )  COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 161 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.

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 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year as the result of the XXXX hacking, someone tried to get a credit card through XXXX and Chase, I received a letter denying the cc which I am glad it happened since I have bad credit and I filed a complain through this agency ( see your files ). I got a response from Chase Bank informing me the problem had been addressed and it would not happen again. Guess what it is the same time this year and I got exactly the same letter denying the cc and the three common denominators are XXXX, Chase Bank and XXXX  ( same as last year ). 

I WANT THIS AGENCY NOT ONLY TO RELAY THIS COMPLAIN BUT TO GET INVOLVED AS WELL TO MAKE SURE THAT ME AND THOUSAND OTHERS DON'T HAVE TO GO THROUGH THIS IN THE FUTURE. 

THE GOVERNMENT ( YOUR AGENCY CHARTER ) IS TO PROTECT THE PUBLIC OF SITUATIONS SUCH AS THIS AND NOT TO TAKE THE FINANCIAL INSTITUTIONS ' WORD. 

I HOPE THIS TIME AROUND I GET MORE THAN JUST A COMPUTER PRINTED PROFORMA LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX I was assaulted by my husband at the time. While I was seeking treatment and shelter at a womens haven he stole my debit card. He made thousands of dollars worth of purchases. I contacted Chase and disputed the charges. Over a month later they denied the claims and reversed the charges. Stating that they were valid. They showed no sympathy for the fact that I was abused and blaimed me for my husband having access to my info. Ive since gotten divorce because of this incident I was able to get an immediate divorce. I have documentation that it was because of domestic violence. Now the account is overdraft and there is a possibility that my account will be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have recently had a flood in my house and received a disbursement from my insurance company for around {$41000.00}. XXXX forced me to turn these funds over to them ( presumably so they can collect the interest while they hold on to my money ). Since then, I have been dealing with their internal documentation process which has caused delay after delay after delay. They are denying paperwork that is completed properly to cause delays. Every time I call to get a disbursement, I am told it's 4 to 6 days out. My leak was on XX/XX/XXXX. I sent the check to them on XX/XX/XXXX. It is XX/XX/XXXX and they have still not mailed a check to me to pay for my repair work. I have already had to pay {$5000.00} out of my own pocket to pay for the work to get started and I don't appreciate them holding my money and refusing to mail me any amount to pay for the repairs I need to have done in my home. Please get them to escalate a check to me immediately for at least {$10000.00} to cover my initial payment of {$5000.00} and give my contractor another {$5000.00} so he doesn't walk off the job!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TX

Complaint narrative:
Greetings! 

On XX/XX/XXXX I contacted Chase bank credit card services over an unrecognized charge that I wanted to dispute and cancel further charges. The charge was approximately {$42.00} from a company named XXXX XXXX. At that time I had no issues with them disputing the charge and telling me that there would be a block from all future purchases. I was not informed at that time that there were any potentialities for future charges from that company appearing. 

Today while paying my bill, I noticed a pending charge from XXXX XXXX. I contacted Chase and discovered that since my XX/XX/XXXX request to dispute the charges and prevent further charges, that 4 different transactions had occurred. The representatives did verify that I had contacted them in XX/XX/XXXX to place the block and were very unapologetic in letting me know that I should have been told that it may not be effective. 

I escalated the situation to an XXXX who refused to assist with 2 charges that had occurred after the block was requested in XX/XX/XXXX and she herself was even unable to contact the company via their listed support number or numbers found online. These charges were said to be too old. 

I have been a Chase customer for a very long time. I have 1 debit and 2 credit cards from chase and in all my years as a customer have never needed to dispute a charge or block any purchases. I am asking that chase please reimburse me for the 2 charges that should not have occurred that are 'too old ' to dispute in the amount of approximately {$84.00}. This situation has definitely hurt my perception of the company and I am very seriously considering alternative ways of banking in lieu of this situation 's outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 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: GA

Complaint narrative:
Equifax refuses to thoroughly investigate and delete fraudulent accounts from my credit report. Equifax also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with Equifax since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing Equifax for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a XXXX for XXXX on a purchase money 2nd a HELOC. The loan was originally originated with Washington Mutual. Chase improperly foreclosed on the loan and was sued by state and and federal law enforcement officials. It was a class action lawsuit from the XXXX XXXX settlement fund. Chase plead guilty and settled and I received compensation. See attached documents that validate. 
I should have NOT received this XXXX form. I need Chase to retract this form and send me documentation to show that they removed or are in the process of correcting with IRS.This is causing me financial harm as a taxable event.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX - This is where I beg the difference, you certainly are in the wrong : Under the rules of the FDCPA, a debt collector such as yourself ( Diversified Consultants, Inc ) identified as a DEBT COLLECTOR are required by Federal Law if you are attempting to collect a debt to provide details about a debt by sending a written notice with the following information. 

Name of the creditor Amount allegedly owed Instruction on how to repay the alleged debt *Just for your future collection practices, since you think you did nothing wrong. This is called the validation notice and must be sent to the consumer within five days of initial contact. 

So let me suggest you remove this immediately from my credit report since you practices seem to be unknowingly UNETHICAL!!! 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
XXXX refuses to thoroughly investigate and delete fraudulent accounts from my credit report. XXXX also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with XXXX since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing XXXX for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. State Farm Bank Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX is not my account. Please delete and remove immediately or legal action will be taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am a victim of a deceptive unfair trade practice of two car dealers and two banks who sold me vehicles with liens on each and made me liable for two car notes that exceeds my current income. Both vehicles were sold on an as is basis with over 100,000 miles and older models. Both dealers took down payments financing the vehicles for more than what they were worth. I was never shown these vehicles before any loans was finalized.

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