vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Theft XXXX XXXX, On XX/XX/2018, what shouldve been a simple request to wire funds from my XXXX Equity Line of Credit account to an Equity Line of Credit account managed by Bank of America, your employee with assistance from a Bank of America employee intentionally sabotaged the funds that were to be wired to my Bank of America Equity Line of Credit account. 

Bank of America intentionally returned the funds to XXXX in order to exact a {$40.00} fee in addition to XXXX {$20.00} wire fee. All excuses specific to why the funds were returned were blatant lies, lies in retaliation for a prior complaint that I filed with the Consumer Financial Protection Bureau against XXXX and Bank of America. 

Even though the theft of my {$60.00} is disheartening, having to go to a XXXX branch and be forced to argue with a XXXX employee about poorly trained XXXX employees was a very scary time for me. A XXXX man, arguing with a XXXX  woman in a bank caused me to be in fear for my life. 

Moreover, if your employees needed a laugh and decided to have fun with the XXXX, then, I sincerely hope that your employees have satiated their constant cravings for XXXX amusement. Ha! Ha! Ha! .You have a nice home and a financially rewarding job. Do you really need to XXXX me in order to acquire more money? 







Cc : XXXX XXXX XXXX-CEO Bank of America XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XXXX XXXX XXXX- XXXX Branch Manager XXXX XXXX XXXX XXXX 
XXXX XXXX, Md. 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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax to remove a Chapter XXXX bankruptcy from my husband and my credit. his have been almost 10 years and mine 8 yrs. They're saying the law states they can't do anything about it. I contacted XXXX and XXXX and they both removed them a year or so ago. So, how is it they can't if the other two did. We filed bk due to the economy and had to close our business. We're back on track and pay our bills on time. We are trying to adopt a couple of children and purchase a home and this is really impacting both of us. Please, Please, Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/18 we purchased a new vehicle and traded in a XXXX XXXX XXXX XXXX who's loan was managed by USBank. Dealership advised the check would be cut within 10 days. On XX/XX/XXXX I called USBank for a status update on the release of my loan and was told initially that the check had not arrived. I went back to the dealership who provided signed copies and signatures that in fact the check had arrived and was accepted. 

I called USBank back and was now told the check had been rejected for insufficient payment. I had a copy of the check and told the agent the amount which was over by around {$100.00} and was again told the amount was insufficient and to have the dealer reissue the check. They did so by overnighting another and gave me the tracking number. 

During this time they cashed the check and when it bounced charged the account fees for this. I called and complained and was told nothing they could do. 

I called back on XX/XX/XXXX to check status of check. Again was told they did not have it but that it can take up to 4 business days to close. I inquired about the payment due that day and cancelled the autopayment after learning of a 10 day grace period as this would be enough time for the loan to clear. 

Instead they cashed the autopayment and told me the overpayment would be sent to the dealership and not me since they paid the loan off. I called my bank and ordered a stop payment as at this point the loan was still overplayed but was now overpaid plus an additional installment. 

Again USBank charged me not only a returned payment fee but now 2 separate late fees. 

Again I called and was told now the account needed {$58.00} to close since it was XX/XX/XXXX and between interest and late payments the account was legitimately short. I demanded the late payments be waived, they declined. I paid the amount and began the complaint process. 

Upon questioning the dealership they apologized profusely and offered to pay the late fees and stated this is a common practice with USBank and they explicitly stopped all loans to them for this reason. 

These people are thieves and never have I had such a problem closing out an auto loan in my life!

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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These are part of a chapter XXXX bankruptcy and should not appear : XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} XXXX XXXX XXXX/XXXX Needs Attention Last reported : XX/XX/2018 {$0.00} On Payment Plan

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 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I submitted a request for partial or full student loan forgiveness based on false certification due to disqualifying status and lack of ability to benifit because I have never earned a High School Diploma. The reason Navient gave for deneying my request was that maintain that my loan was disbursed prior to XX/XX/XXXX,  which is untrue. In my original application for discharge I supplied my High School Transcripts which show that I did not graduate. I also submitted college transcripts from the XX/XX/XXXX to prove that I attended College after XX/XX/XXXX but Navient refuses to acknowlege the documents or comment. I do not hold a college degree although I took college classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TriVerity, Inc.
State: IA

Complaint narrative:
received 2 title loans from XXXX XXXX XXXX XXXX XXXX XXXX. payments were made and then fell in to a financial problem. hours of work were cut and income went down and then both vehicles went down with problems. couldnt make payments for a while and then went to collections. received calls from a XXXX XXXX from CU Recovery. he called my work in XX/XX/2018 and spoke with him. he said to call him back in which we did. he wanted my wife to take loan out of her 401k to pay him which we explained we couldnt do it because we had taken a loan out already for medical costs. next he wanted us to take out a loan from family or friends and explained we couldnt ... nobody had the amount he was wanting. he even trheatened to sue us, which scared my wife. anyway on that call we made arrangements to use our tax refund when we received it to pay him but told him we would not get it for a couple of months. we made the agreement that we would pay XXXX a month until tax return came and then pay the balance of which was {$3000.00} and he said once we paid the settlement offer off, we would get our vehicle titles back. we paid this off and got a notification letter from XXXX XXXX that it was paid. last we have heard from him about anything. have tried calling the number that he would use to call constantly and have texted but no replies have been received from XXXX XXXX at CU Recovery. We did our part and paid off the settlement offer in full, now we are expecting CU Recovery and XXXX XXXX to fulfill their part! all we want is our vehicles titles ... they acted on XXXX XXXX XXXX XXXX XXXX XXXX part..so they are soley responsible for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There has been previous issues involving XXXX XXXX XXXX online " Bill Pay '' and SYNCHRONY FINANCIAL and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

Synchrony tells me the collection dept made attempts to collect $ XXXX/month and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX/month since opening the line of credit.

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 monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I leased a XXXX XXXX in XX/XX/XXXX. I started to have some financial difficulties towards the end of the lease in XX/XX/XXXX. I was behind 3 months to the best of my knowledge and the vehicle was repossessed XX/XX/XXXX. I waited for a final bill and was shocked when I was charged and additional over 5K plus the outstanding balance which as only 3 months. My payment was XXXX per month. I then called XXXX XXXX XXXX ( Chase ) and asked why I'm being charge so much. I was told when they went to sell the vehicle, it sold for less than what was expected, so that difference goes to me. Again, I have never heard of this type of process when dealing with a lease. I know I was over the mileage and I expected to pay that as well. However, I was told by the dealership ( XXXX XXXX ) all I had to do was fulfill my lease agreement and if for some reason I went over the mileage I may be responsible for the overage. Depending on if I went into another lease or purchase. Mileage was a concern when I purchased the vehicle. The dealership assured me that it could be worked out. I feel like I was lied and taken advantage of. This was my first lease as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There has been previous issues involving XXXX XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.

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 2018-06-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been previous issues involving XXXX XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been previous issues involving Bank XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.

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 2018-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2018 I paid off the balance of my credit card XXXX. There was a XXXX   balance at that point. 3 weeks later I am informed they are closing my credit card due to my credit score. My credit has been going up monthly and my payment had been made on the card. They refuse to open the card back up. However they should not be able to just close the card. I have been a good customer for over 3 years with this card. They also did not send over a cleared balance statement.

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 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC
State: PA

Complaint narrative:
XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have recently tried to file disputes with all 3 credit bureaus ( XXXX XXXX and XXXX ) because National Credit Systems who is a debt collector has reported to my credit and my husbands credit an account that does not belong to us. They are reporting that the original creditor is XXXX XXXX we have never signed a lease with XXXX XXXX or lived at XXXX XXXX XXXX. WE DEMAND If national Credit Systems does have proof of a contract to show it to you and you will see creditor name listed on it if we did sign a lease with their original creditor is not National Credit Systems. I want the collection account they are reporting to be removed because they are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP
State: NY

Complaint narrative:
Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Go Capital Holdings, LLC
State: SC

Complaint narrative:
I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.

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 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/2018 restructured life of loan to extend. Cancelled auto pay of $ XXXX month to new payment of $ 175 month. Confirmed this was completed. New payment on XX/XX/18 would be implemented. 
XX/XX/2018 inform Navient not to make an error with charge XX/XX/18 get charged with {$470.00}. Call Navient to let them know of mistake. State 3 days for refund. 
XX/XX/18 no refund. Call Navient. They claim this will happen 10 business days afterwards Being overcharged and unapproved amounts taken from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an XXXX XXXX XXXX account. On my Equifax it shows the account balance as incorrect and the the months of payments are not showing up correctly. Please update this problem. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
I have an old account that just just popped up that was already settled with actual company, now it is on my credit report. What is concerning is what it shows. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX That is the company that is on the credit. However when you research XXXX XXXX XXXX they are based out of XXXX, Ga. The phone number associated with that account is NCS plus. 
XXXX XXXX XXXX This is very concerning as i feel that my personal information is being shared among other people not authorized and now are requesting access to payment even though it might be FRAUD. This should be 100 percent accurate however it clearly is not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation