vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.

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 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a " rocket Mortgage '' on Quicken 's site thinking I could do the mortgage online XX/XX/XXXX. I was then called every hour for about a week with people wanting to talk to me about a mortgage. I never received any disclosures despite them reviewing all 3 credit reports. I never received any documentation about where my scores were or what products were available but NUMEROUS calls about how their agents could assist me on the phone. After over 10 days of little to no documentation in writing I requested to ONLY be contacted in writing. I received 1 email and NEVER received any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Home mortgage is my mortgage company, it is more than a year ( 16 months ) i am trying to do loan modification, in order to reduce reason able payment to pay the monthly mortgage payment, they ask me to provide all my income like, W2, two years tax returns, bank statements and transcript of Tax return ( 4506-T ) several times, they always said we didn't receive the documents but i have fax confirmation, all the documents i send them. Finally all the effort and aggravation and time I spent went in vain, they refused and denied my loan mod, not on income base but other Merritt ( five years they can not do my loan mod ). I am hundred percent qualify by in come wise. I have humbly request to you please help me out to get the documents I am requesting to get from wells Fargo, the document I want from them are dispute of debt and validation of debt, Tila request, request for accounting. 
I sincerely, appreciate your help and support in this matter, because i no want to loose roof from my families head and go to no where. 

Sincerely, Yours 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
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hewitt-Capital
State: MD

Complaint narrative:
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/XXXX and advised that their client was XXXX XXXX  and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/XXXX. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I received a letter from XXXX XXXX services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX   XXXX and they denied removing from my credit report. I disputed the item with XXXX  and trans union and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in an investigation request to the credit bureaus. They are supposed to respond within 30 days, but they have not. I have also sent a follow up letter, but that has also gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am passed trying to get a response from Wells Fargo that is accurate. I am reporting this negligent and irresponsible behavior by Wells Fargo in the deceiptful manner in which they serviced our HELOC which began with XXXX. I discovered that my HELOC account statement was nothing like the HELOC account statements for other HELOC. My account statements haven't changed since 2011 and seriously doubt they meet compliance regulations. I've been mistreated and denied the same privileges and services that should be available to all. I can not imagine the fall out, but I expect Wells Fargo to be held accountable. Deception continues by this bank and what an embarrassment to many. Being manipulated by Wells Fargo is not a good feeling and those that police this business and their practices failed. I would hope this warrants your attention.

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 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I purchased a 2-flat. However, it was not a legal-two flat and I was unable to rent the second unit. As a result my income dropped and I fell behind on my mortgage. I have adjusted my expenses and I am able to afford a reasonable payment however I have been declined for a loan modification. I have filed a Chapter XXXX   bankruptcy which eliminated all other debt which strengthened my financial condition. 

Also, it appears that the value used to calculate the NPV is incorrect. I am being evaluated as a 2-unit and I am not a two-unit. Also, I am compared to brick properties and my home is frame. 

I would like to make sure that I am fully considered considering may unique circumstance and the fact that I do receive income and can make a payment on my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent in an investigation request to the credit bureaus. They are supposed to respond within 30 days, but they have not. I have also sent a follow up letter, but that has also gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, I called the bank and submitted a stop payment request to cancel check number XXXX in the amount of {$3500.00} from clearing through my account. The call center representative told me the check had not been deposited yet and the stop payment request would go through. However, chrck nunber XXXX in the amount of {$3500.00} was cleared through my account on XX/XX/2018. I called the bank during the XXXX est hour in XXXX XXXX to resolve and get my money back into my account, because the bank was notified to not cash the check. The banks representivies from the claims department told me there was nothing they could do and I needed to contact the person who cashed the check. My agreement to stop payment on the check was not through the payee but through my financial institution. Due to a customer service representative incompetence to submit the right request, I was not only charged a stop payment fee but the stop payment request was ineffective and now I am missing {$3500.00}. 
After multiple attempts via phone, secure message, emails, and social media, CHASE BANK has told me that they can not do anything to return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/CARE Credit ( XX/XX/2014 ) for the amount of {$400.00}. Show on my credit report that I have a joint account that has been open in my name and XXXX XXXX. I have attempted several time to inform SYNCB/CARE that this is not my account and I have " never '' opened this account with XXXX XXXX. I informed them my signature was never on this account for approval and if my name is on the account someone else had signed it for me. I have ask them to send me a copy of the documentation showing were I signed, but as of today they have not.

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 2018-10-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX XXXX and they denied removing from my credit report. I disputed the item with Experian and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX  stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

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 2018-10-03 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: ERC
State: IN

Complaint narrative:
I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX  and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I CONTACTED BANK OF AMERICA AND ASKED THEM TO SEND ME INFORMATION ON THIS DEBT AND I WAS TOLD IT WAS SO OLD THEY DON'T HAVE ANY INFORMATION. I WANT THIS COMPANY TO EITHER SEND ME THE INFORMATION I AM ENTITLED BY TO LAW OR REMOVE THIS FROM ALL CREDIT REPORTING AGENCIES.

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 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Escrow Inc
State: TX

Complaint narrative:
I had filled bankruptcy in XXXX. In XXXX of XXXX I dropped off a payment at XXXX XXXX XXXX Escrow Inc office. I was followed by an employee who stated my payment was being rejected. I then asked to speak to owner of Escrow inc and asked her to explain to me why my payment was not being accepted.I asked for her to give me payment history of all the payments made by the Bankruptcy Western District Court. XXXX couldn't give me an answer I demanded a print out and instead I got a Sticky note with made up figures. At one point she looked at her computer and could not provide me with a payment history. In fact she stated that because of the bankruptcy she demanded all payments in full. I explained I had lost my job in XXXX of XXXX and i was doing everything in my power making all payments even without a job. I'm exhausted mentally and its affecting my health. I have made an appointment to meet with the bankruptcy attorney. 
Demand letters are now in my possession with amounts that are unreal. I truly believe Escrow Inc XXXX had retaliated against me because I did NOT rent my house to her daughter that was going to be stationed in XXXX XXXX with her family. I responded to her if i ever did i would have to lease it for a higher amount than my mortgage payment. XXXX responded XXXX is better than nothing and you can come up with the rest. I would take it in a heart beat was her response.I didn't respond. She knew I was struggling to make payments. 
Obviously she uses her business to her advantage I have made all attempts to pay and she had mailed back all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and experian has not sent my credit report ftc violation trying to fix the inaccurate information on 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 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On yesterday, XX/XX/2018, I received a Bank notice in the mail that documented : " Here is your Personal Identification Number : XXXX  ; For your Card : XXXX ; You can use your PIN to access your accounts 24/7 with your Chase Debit Card or ATM Card at any ATM. If you prefer to change this PIN, please visit your nearest Chase branch. If you have questions about using your card, please contact us at : ( XXXX ) XXXX ; Quick Tips about protecting your card *Never write your PIN on your card or anywhere it can be discovered - like your wallet or your purse. ; *Never leave your transaction receipt behind. ; *Never give any information about your card or account to a stranger or to anyone who calls you over the phone. ; and *Be aware of your surroundings as you approach the ATM and while conducting your transaction. NOTE : If your card is ever lost or stolen, please contact us immediately at the number listed above. '' On or about XX/XX/2018, I visited a Chase branch to change my personal checking account PIN ( my " exact same '' checking account referenced above in this writing/filing ) from the " Personal Identification Number '' documented in the Chase Notice received on yesterday. I have " repeatedly '' requested, that this bank ( and bank representatives ) change my PIN # back to my " NEW '' PIN # ; CEASE and DESIST their ongoing practiced reprisal/retaliation and DISCRIMINATION ( locking me out of my personal checking account ) by using my " old '' PIN ( used prior to XX/XX/2018 ). I have NEVER wrote my NEW/OLD PIN on my card or anywhere that can be discovered-like my wallet or purse. ; I have NEVER left my transaction receipt behind. ; I have NEVER given any information about my card or account to a stranger or to anyone who have phoned me. ; I am aware of my surroundings ( to the best of my ability ) as I approach any ATM and while conducting my transactions. Chase bank, maliciously changed my personal checking account PIN " internally '' back to my " old '' PIN ( after I have already visited a branch and specifically changed my personal PIN. Therefore, it is the banks job, to change my PIN back to the PIN # chosen by me on or about XX/XX/2018. ALL supportive documentation, will be faxed to the CFPB. THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I had service with XXXX over 10 years ago and now I collection name XXXX XXXX  is damaging my credit stating it was opened in XX/XX/XXXX and I didnt open an account at this time. 
XX/XX/XXXX Date Opened Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$430.00} Original Balance {$0.00} Highest Balance 1 Months Terms Apr XXXX On Record Until {$430.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

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