vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: ID

Complaint narrative:
On Thursday, XX/XX/2019 I deposited about {$800.00} cash & check into an ATM for my bank ( Key Bank ) at around XXXX XXXX. I understand that it normally takes some time for deposits to go through. Over the weekend I made 4 purchases using my paypal which is linked to my checking account understanding that the charge would take place after my money was added to my checking account. On XX/XX/XXXX I reviewed my account to see that on the XX/XX/XXXX all of the transactions went through at XXXX, including the deposit, however Key Bank decided to process the withdrawals before the deposit ( even though they all released at the same time ) and charged me 4 overdraft fees, one for  each individual purchase, at {$37.00} each for a total of {$140.00}. They then applied my deposit and subtracted the {$140.00}. 

I went in to dispute this on XX/XX/XXXX and I was told that's just the way it's going to be but that they could reverse one of those overdraft charges. This was through a teller at the front, and even though she offered for me to speak with the manager, the manager refused to see me. I feel like it was unfair for them to process the charges before the deposit so they could charge me an exorbitant overdraft fee despite the fact that all the transactions went through at the same time, and that I should have been able to get all 4 overdraft fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received a call today about setting up a payment plan but have no information on this. They say it was back three years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Last week I submitted a claim for three fraudulent inquiries in my Experian credit file. Experian responded to the complaint telling me those three inquiries werent in my credit which indeed yes they still are on my credit report til this day and I need them. Removed because its against fcra law they are unauthorized and fraudulent

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 non-monetary relief
Consumer complaint received 2019-03-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I did not authorize BARCLAYS BANK DELAWARE to review my credit report. I have a extend fraud alert on my credit reports. BARCLAYS BANK DELAWARE did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my 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 2019-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am submitting an additional document for the previous complaint : XXXX. 
These documents are letters from Ocwen loan # XXXX, stating that the loan is paid in full. The letter is dated, XX/XX/2019, the date I wired the payoff amount to Ocwen. 
As I stated in my previous complaint, after I paid off the loan, I received a letter stating, Oops! we made a mistake you actually owe us an additional {$7000.00}. 
Please add this document to the previous documents I submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I did not authorize XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
When we go online we can not see our transactios .This has been going on for over a month. We have called XXXX several times with no results .All they tell us is that they are working on the problem and amazingly, they do not know when the problem, with not being able to see transactions, will be fixed. A company as big as XXXX and no one knows how to fix this problem. I have sent emails to a XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX at corporate with no response from any of them. I think my days of being a customer for over 10 years are coming to an end ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
As of XX/XX/2018 my mortgage payments were to be XXXX per recast on hemp program. Instead the are charging XXXX. 

I have spoken to ditch each month to correct this, to no aVail. 
They argue that I am wrong but eventually see the numbers. The next, month same happens. 
I have signed, the docs numerous times but they say there is a missing form. Which I never got

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: MO

Complaint narrative:
I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I would love to know how to go about investigating my loans in connection with the current lawsuit Consumer Finance has against Navient. My state has filed nothing and I am certain I could be included in this, federally and/or locally ( KY ). 

Recently, first, I tried to setup my payments for auto pay so I could get the reduction in my interest rate. It took MONTHS. They kept taking the payment then kicking it back. If I were not working for my family business, I would not have had time to do all the work I did to finally get it working. 

Second, I have been submitting payments via my bank ( online ), over and above the monthly payment that is being automatically deducted from my account. My account is setup to direct all overpayments to principle. They have applied them to interest. I can supply you with screen shots showing such. Their answer? I can hardly understand it but I am assuming it is being applied this way because it arrives before my payment is due and they're applying it to my payment, anyway??? This is RIDICULOUS. The last correspondence I received from them says it is being applied correctly. That is all! " Sorry about your bad luck. '' Can you advise me as to how I should proceed? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On the company 's response letter, the company states that they had payment until XX/XX/XXXX. When I was notified that XXXX was XXXX, I made a payment on the total amount due at the time on XX/XX/XXXX. So XXXX only didn't have payment for 17 days. They should report accurately on my credit, stating that it was late for 17 days, which would be fine by me. But they unilaterally state that, if a payment is " returned '', even after having monies for 60 days in their account, they can state that the account was past due for 60 days, even if the reality does not reflect their measures. 
According to their own response, they had payment, then didn't have it for 17 days, then got paid again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
We have been trying requested needed documents to do an Assumption of mortgage on our loan to transfer it to my mother. I have called shell point mortgage back in XX/XX/2018, then I have called them every moth since, sent multiple emails and I still dont have an assumption package. Shell point is now XXXX, the problem is still the same. no one can help me when i call, I requested multiple times to speak with supervisors and managers and they are always busy. Please help me get my mortgage transferred to my mom as an assumption. 
I dont know how else to obtain the needed paperwork,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint prose where I am not represented by legal counsel in filing this complaint with the Consumer Financial Protection Bureau with anticipation of getting this resolved with your agency. I presently have finalized mediation with JP Morgan Chase in regards to the lease failed requirements with no consideration or compensation. I am presently in a foreclosure suit with JP Morgan Chase Bank NA as the plaintiff, as a defendant I also have a pending counter suit in the same court. In the Circuit Court of XXXX XXXX, Illinois XXXX XXXX, Chancery Division Mortgage Foreclosure/Mechanics Lien Section. Case No. XXXX CH XXXX. 

Product Issue : Breach of terms of the lease with a branch bank of JP Morgan Chase, Chase also subsequently acquired an existing mortgage from another mortgagee to make Chase the lessee and the mortgagee of said property which is now currently in foreclosure due to fraudulent banking procedures of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mortgage loan was transferred to Chase mortgage in XXXX of XXXX. At that time my PITI was {$590.00} per month. I was notified in XX/XX/XXXX that my new PITI was going to be {$730.00}. After several phone calls they stated my increase was due to a shortage in escrow, that would now include flood insurance. When we bought this home in XXXX of XXXX we not informed until after closing of escrow we needed flood insurance. At that time I purchased flood insurance out of escrow and have continued to pay out of escrow ever since. I have made several calls to Chase on XX/XX/XXXX spoke to a XXXX XXXX an account service manager also spoke to XXXX in their insurance department that this would be resolved. Also faxed copies of my policy on XX/XX/XXXX. Spoke again to XXXX on XX/XX/XXXX, that they are going to continue to escrow my flood insurance. I have never been late on my flood insurance payment, and I contacted FEMA and XXXX XXXX the do not require flood insurance to be paid in escrow. Seems to me I am being billed for something they are not paying in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Equitable Acceptance Corp
State: CO

Complaint narrative:
On XX/XX/XXXX I received you product, on XX/XX/XXXX I sent in the Cancellation Notice via US mail. I also sent an email to the finance company to let them know the Cancellation Notice was sent as well on XX/XX/XXXX. I tried calling the number on the notice XXXX as well as XXXX but these numbers just rang and rang. I emailed the office as well on the XXXX day since I heard nothing from anyone, I finally got a response but just to be told there was nothing they could do. 
I even sent a letter to XXXX 's corporate office and have not heard anything back. 
Attached please find the correspondence. I do not want this contract and did everything I was supposed to do per the contract. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: POPULAR BANK
State: FL

Complaint narrative:
Loan orginated in XX/XX/XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by Bank Popular in XX/XX/XXXX via letter from their XXXX XXXX Headquarters that the balance was due in full XX/XX/XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XX/XX/XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX.  They are reporting to the credit bureaus that Foreclosure was started. I live in XXXX. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( XXXX XXXX ). I verified that no filing ever occurred. I filed a claim with XXXX and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with XXXX again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: KS

Complaint narrative:
I have 5 student loans through XXXX XXXX. My monthly payments just went from {$150.00} a month to {$850.00} a month because they came out of deferment. I am a XXXX and I can not afford to pay {$850.00} a month. I tried to refinance my loans to be income based with several other lenders, but I didn't quality for any of them because my credit score is too low. I then called XXXX XXXX to ask them to put me on income based payments. They said they don't do that because they are private loans, but that they could put me on graduated interest payments for 12 months. That only lowered my monthly payment by {$170.00}. When I asked what other options they had for me, the only thing they offered was to move my payment for this month to the end of my loans, but the interest will still add up. So, basically they're offering me one month to somehow find a way to afford this huge monthly payment. There is no way I can afford that, and if I can't make the payments, my credit score is going to go down, and I am trying to increase my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: MO

Complaint narrative:
I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

Company response to consumer: Closed with explanation