vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
There were two major errors in servicing my loan. First error occured when my loan was modified about three years ago. I was left behind when the loan was not properly reconciled after the modification became complete. Then my loan was transferred to Bayview. They billed me incorrectly and then admitted they made a mistake. I have been fighting them now for a full three years trying to get them to correct their errors. They several times sent me back letters claiming they did not make an error. I hired an attorney to help me audit my loan and they found errors. After paying an attorney for over a year now, Bayview admits they made an error and they have now corrected their errors. They however, have not corrected the bad credit rating they gave me over the past 3 years. They stopped accepting payments from me many times due to these errors. They also took monies from Keep Your Home California in XX/XX/2001 and did not apply those funds until about two years later. Now my attorney has asked them for assistance in bringing my loan current and they will not call my attorney back. This game they play is not only unfair and is forcing me into foreclosure, but according to my attorney is illegal. RESPA Regulation X requires my servicer NOT to evade my requests for assistance. Bayview has evaded now for almost three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This card has been in use for many years and credit use was terminated over two years ago due to a few late payments. After that time payments were regularly made in excess of the billed amount with approval of the PNC Bank. We have been charged {$35.00} late fees on multiple occasions in addition to added finance charges which began showing on statements as a purchase withdrawal. These withdrawals were never authorized and I consider them as fraudulent and unapproved theft. I feel that all of the {$35.00} late fees are also fraudulent due to my overpayments on the account which easily exceeded the amount due by approximately 200 % or more. I was only able to attach documentation of these charges back to XX/XX/2017, but they go much further back in time and should also be added to the charges shown on the accompanying account document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Chase card services closed my account because of recent transactions on other cards. I have almost maxed out a few of my cards ( recently married ). I have never been late with a payment, i have never missed a payment and my credit score is considerable higher then when i began using their services. I also was never informed of the accounts closure, i found out about it when i logged on to review my account ( which i do monthly with all accounts ). 

This entire process has been very annoying! Now i am paying high interest for a card i can no longer use as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX. 

XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct. 

XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate. 

Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing. 

I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.

This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: IN

Complaint narrative:
XXXX reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : > I have reported to XXXX that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. XXXX has declined to take any action or even to acknowledge my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: SC

Complaint narrative:
Disputed the collection with millennium financial group on an account they purchased from XXXX XXXX XXXX which was a family based group with XXXX 's XXXX XXXX which closed down for fraud since 2014. No verification of debt amount not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I fell behind on my payments and have tried several times to get a modification with this loan thru Ocwen. The mortgage company will grant a modification and accept 2 trial payments and then will send only the third payment back to me with no explanation at all. I then re-applied for assistance with Ocwen and they granted a modification and never sent me any payment amount or Letter stating that I was granted the loan modification .... Next thing I know I am in foreclosure status!!!! I have tried to contact them and get someone on the phone to ask them how I can receive a letter from them saying my home will be sold off in 2 weeks. I am need this matter looked into asap .... My loan # # XXXX -Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a business checking account with Chase on XX/XX/XXXX and it was closed by chase on XX/XX/XXXX, without any reason as to why ; only told " they could not maintain my account '' They have no problem issuing me a credit card for the business and personal. I am just looking for the reason that caused them to shut down my account ; and whether it is warranted or something I can clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TX

Complaint narrative:
Transunion/XXXX have done two investigation with the XXXX child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. Transunion/XXXX   has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.

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 2018-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have private student loans through XXXX, and had been paying them through XXXX XXXX XXXX, until XX/XX/XXXX. My minimum amount was around $ XXXX/month, for all my loans, but I was paying {$500.00}. Around XX/XX/XXXX, I increased it it $ XXXX/month. In XX/XX/XXXX, my loans were transferred to Navient, and I was paying he same amount. On XX/XX/XXXX, I called Navient to try to reduce my payments to the minimum amount, since I couldnt figure out how to do it online. They told me that {$590.00} was the minimum! I asked to speak to someone else, and all she said was her manager came and looked at the screen and confirmed that the computer screen said {$590.00} was the minimum. I have been paying these loans since XXXX. I know that is not the minimum, because I have been paying $ XXXX/month for 8 years. Also, the easily accessible XXXX website showed me my minimum was around $ XXXX/month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a XXXX-year-old XXXX woman had taken out two loans to pay off medical bills because the state of California refused to give me XXXX during my transition to permanent XXXX. Navient has refused to aid me in anyway other than threatening me, when I didnt have a job for the last eight years they took money out of my Social Security account every month even though I told him I didnt have money to them. They told me that they would sue me, they send me letters every month reminding me theyre taking that money out, when I try to call and get them to help me they wont. There are sharks and they need to be stopped and I refuse to pay them any more money. As Ive already paid the balance of the loan and had no idea of the outrageous loan rates because I was never told about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America accessed my Business account  XXXX a {$35.00} NSF fee for a check that the institution did not pay. I called on XX/XX/XXXX to have the fee reversed and was denied. I asked why noting that this is not a practice and have never happened before, and was told by mangt ( XXXX I.D # XXXX ) that the account was not eligible, even though they agree that this has never happened before.

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 2018-04-27 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: TX

Complaint narrative:
XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: AK

Complaint narrative:
I received a pre-approval for a personal loan in the mail. The letter included loan amounts, APR rates, and a confirmation #. As I currently hold some credit card debt, and need to replace the windows on my home, I chose to inquire to what I would qualify for on XX/XX/2018. I was immediately denied. In the denial letter SoFi recommended I visit their " trusted partner '' XXXX. XXXX is " able to approve some people that SoFi can not ''. I complained via email on XX/XX/XXXX, as I was denied for having " obligations exceeding income '' ( with no explanation as to what that means ) and despite having a credit score over 800. The reply stated that the factors evaluated included credit history ( score over 800 ), level of education ( XXXX ), years of professional work experience ( 3+ ), and income ( over $ 50K ). I responded that their letter stated one reason, but their generic email reply stated it was a constellation of factors. I also complained as it appeared that they send pre-approval letters in order to send applicants to their " trusted partner '' after denying them ( potentially making them more desperate ). My email was then forwarded to a customer service rep who responded on XX/XX/XXXX that she would like to schedule a meeting to discuss the denial. I replied that I was not interested in having a verbal conversation, and wanted their explanation in writing. On XX/XX/XXXX I received a reply from a different customer service rep indicating that they had written a " clarification '' letter that contained " additional details '', and that I would be removed from their mailing list. The letter states that I was declined for " excessive obligations relative to income '' and " other - does not offer credit terms requested ''. I responded with further questions - SoFi says they calculate my " obligations '' based on averages ( not actual figures pertinent to my situation ), so I want to review what those numbers are. And what does " does not offer credit terms requested '' meant as I had made no requests. I had requested no dollar amount, no APR - I was sent a pre-approval letter. I also requested that they delete the account I had to create as I do not want my account hacked and information stolen. The second customer service rep replied on XX/XX/XXXX that the calculated debt to income ratio would cause the possible interest rates to exceed what Arkansas restricts to. I don't live in Arkansas. He was also unable to give clarification on what number was calculated as my average as it is " proprietary company information ''. He did say my account would be deactivated, and I could visit their privacy policy webpage. I responded with the information that I do not in fact live in Arkansas, and that I would make a complaint concerning their business practices as they are opaque, and their goal continues to appear to be to drive would-be customers to a " trusted partner ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
The mortgagor ( my dad ) passed away, was the only one on the loan and didn't leave a will. My mom appears on some documents as third party. Unfortunately the home is on foreclosure and the mortgage company only gave 30 days to come up with the money of the full debt and/or to speak to them regarding the mortgage. However the current mortgage company won't provide any information as to what are my mom 's options as to paying for the mortgage. I'm the older daughter and I'm trying to get pre-approved to get a mortgage and have begun the process however I need time to be able to complete this process and payoff my mother 's loan. We called the mortgage company to try to get information as to what are our options to transfer the loan to my mom 's name and one rep advised to send a copy of my dad 's death certificate which was sent to them numerous times to for it to be updated to the account so that we may be able to get account info but every time we call we get different answers from reps and most of the time they won't talk to us. They said that they will need a will, executive of estate or order by judge but we can't apply for any of these because this process will take way to long and by that time we may lose the property. My mom lives on a fixed income and can't afford to pay expensive legal fees. We are desperate and don't know what to do. We want to speak to the mortgage or their representatives to let them know that we want to save the property and we are working on getting a pre-approval to payoff the loan with them but they won't speak to us.

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 2018-04-27 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: CORELOGIC INC
State: TX

Complaint narrative:
credit inquiry made by Credco on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX without my authorization. I financed through XXXX XXXX back in the summer of XXXX no longer had procession of the car at the time the inquiry was made. using my information to run a credit check almost 2.5 years after dealing with this company is not acceptable and shows bad business practices.

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 2018-04-27 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: NC

Complaint narrative:
I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( Transunion & XXXX ). Transunion nor XXXX didnt provide it. As I believe all of them are still using E-Oscar to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

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