vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor   XXXX   XXXX   seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: NY

Complaint narrative:
" The story concerns the   XXXX   loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these   XXXX   loans under false pretenses from   XX/XX/XXXX - XX/XX/XXXX  .   XXXX   XXXX   and its subsidiaries sold the loans, but when    XXXX   XXXX    bought  XXXX  at the end of   XX/XX/XXXX ,  they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because   XXXX   XXXX   were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX   XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in XX/XX/XXXX  when their predatory lending practices came to light. The home equity loan was an instrument of  XXXX    XXXX   home loan, which was transferred in   XX/XX/XXXX  un der Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning   XXXX   to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
for 2 years i have attempted numerous times to fixed my mortgage and lower my payment. they have always said i did not have enough money to show affordability. now that i moved in a stranger into my home to generate extra money i am still being denied for excessive forbearance. i would n't have this problem if they would have modified me a very long time ago. now i am facing a sale date scheduled and i can not lose my home/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I took out a loan for   XXXX   XXXX   in 2001 account number  XXXX . I was solicited by Navient to consolidate my loans to get a lower interest rate which I believe I mislead and was locked into a terrible loan terms which has cost me three time in interest and I am left a victim of their prey on Naive people.
I took out {$140000.00} loan and I have paid {$310000.00} and they are asking for another {$71000.00} which continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: FL

Complaint narrative:
I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my  XXXX  report and   XXXX    on my Equifax report. I have attempted numerous times to dispute these   XXXX   items    both with  the credit bureaus and directly with the creditors. I have spoken with both companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies was  XXXX / XXXX /17 and I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have filed multiple complaints against First American Title with the CFPB. The last complaint #  XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from   XXXX   XXXX   XXXX   collaborating your statement? If so, please provide the written statement from   XXXX   XXXX   XXXX  ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to   XXXX   XXXX   XXXX   prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to   XXXX   XXXX   XXXX   after recording on  XXXX   XXXX  2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to   XXXX   XXXX   XXXX   which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to   XXXX   XXXX   XXXX  !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have been attempting to get a loan modification however bank of america is stalling on my mortgage file.they are not wanting to review my file because they are asking for a profit and loss statement from a CPA. i do not have a cpa. i have sent in all documentation necessary for them and bank of america continues to play games with my mortgage. i do not want to lose my house.

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 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit systems on behalf of    XXXX   XXXX   XXXX   removed the account from credit report and placed it back the same day. According to FCRA, they were supposed to notify me 5 days before placing it back, which they did n't. They violated FCRA. This should be removed from my credit report. I paid to have it removed after they did this, so I need my money refunded as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have received a letter of " Notice Of Court Proceeding To Collect Debt '' from someone representing themselves as Asset Acceptance, LLC   XXXX   XXXX   XXXX    XXXX , MI  XXXX  and no phone number. The address search results in Midland Credit Management Inc. and lists   XXXX   XXXX   XXXX   as a lawyer with the phone number   XXXX  . The letter states that I have fifteen days to do one of three things, otherwise failure to do so will result in garnishment of my wages. 1 ) Pay to us the amount due 2 ) Complete section of form entitled " Payment to Avoid Garnishment '' and 3 ) Contact my local municipal or county court or if I 'm not an Ohio resident then contact a municipal or county court where my employer is located to set up a trustee to receive garnishment. The letter additionally adds that I have the right to contact a budget and debt relief counselor but there may not be enough time to avoid garnishment. I did have a court judgment from Asset Acceptance in  XX/XX/XXXX  and I fully paid off the debt in  XXXX . In fact, my records show that I overpaid them. There were a couple scam things they did and I was foolish enough at the time to believe them which created the overpayment. I have heard nothing from Asset Acceptance for years. They were calling and harassing me for payment for a long time after the account was paid off. They sent statements that had incorrect amounts. One statement dat ed  XX/XX/XXXX  shows a n incorrect balance of {$1200.00} and another statement date d  XX/XX/XXXX  shows n   incorrect balance of {$7100.00}. I have another statement dated XX/XX/XXXX that states my account was transferred to a law firm   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . These were all for the same account number. On XX/XX/XXXX  I received a call from   XXXX   XXXX   (   XXXX      XXXX   ) stating that he wanted to reduce my payments and insisted that he would cancel the current withdrawal from my bank and begin the lesser payment amount. This was untrue as both payments were attempted to be withdrawn from my bank account. Finally during one call from them I spoke to a supervisor and explained the account was not only paid off, it was overpaid and they owed me money. I also told him it was illegal for them to call and harass me about such an old debt. I have all bank statements that show the payments and after looking through them again I realized that they continued to charge interest after the court ordered them not to. What can I do to put an end to this harassment? This has created an amazing amount of anxiety for both my wife and myself. If they contact my employer for garnishment, I will be terminated. My employer has strict rules about garnishment as I work at a   XXXX   XXXX   XXXX   location.
The debt amount they show on the letter is {$540.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX -  XXXX   XXXX   Ran a credit report for myself. Buying a house. We noticed that Chase card services has reported a late payment on my account. The missed payment was their fault or the fault of my bank ( FirstBank ) that they contracted the ebill service with. The event occurred in   XXXX   XXXX  . A payment " due date '' was missed, because they did not send an e-bill to my bank, and thus it was not automatically paid as usual. A series of phone calls from unknown numbers, at strange times of day began, where no one left a message. I was finally available to answer one, spoke to the person on the other end who was apparently an agent of chase, and was completely unaware of the missed payment until that point. I made up the missed payment right there on the spot, and the account has been current since, and it was current for at least 5 years prior to that. Never late, once, never, ever. Now we manually make every payment out of fear that something like this will occur again. Chase made a mistake. They changed something that prevented the ebill, and did n't notify us in an electronic manner that anything was late or missed. The account was current, and I 'd assumed all was good at that point.
 XXXX - XXXX  Ran a credit report again. See they have reported this event as my fault to the credit reporting agencies. This demerit mark on my account history has potential to cause future problems, so I submit a dispute to get the incorrect negative information removed.   XXXX   was the only company who I was able to do so.   XXXX    I tried to submit a dispute and the web page code was broken.   XXXX    I could not even find out where to dispute it. Once you close the web page it is gone forever.
 XX/XX/XXXX  I receive a notice from  XXXX  that the item in question was " updated '' as a result of my dispute. I look at the " updated '' report today, and I see the " 30 days '' item remains. From looking at this report, I ca n't tell what was updated, and I have concerns that something was made further negative. It is of concern that they ca n't just tell me the exact action that was taken, even if the action was " no action ''. I have to assume " no action '' based on what I see, so I 'm escalating this complaint.
My complaint is primarily against chase card services. Also  XXXX ,  XXXX , and  XXXX  provided no tools to incite the proper correction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one bank late payments in 2014  XXXX ,  XXXX ,  XXXX  and  XXXX . Should be covered under the payment protection plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GUARANTEED RATE INC.
State: WA

Complaint narrative:
Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: NY

Complaint narrative:
" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.

Company response to consumer: Closed with explanation