vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. 

The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX  Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. 

I can be reached at XXXX. 

Thank you, XXXX and XXXX XXXX

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 2017-10-02 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: WY

Complaint narrative:
I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction occurred on my account. Money was withdrawn in person at the Chase at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I live in XXXX, TX  and did not make this transaction as I was in XXXX at the time. I requested information about his transaction occurred via chase online message XX/XX/XXXX. Chase response was that I will receive a reply within five business days. I have not received that reply and it is XX/XX/XXXX.

I also contacted the local branch with this information via phone so I can be advised how this transferred occurred The first phone call was on XX/XX/XXXX. A manager received the details but has not called back with this information. I called again on XX/XX/XXXX. Still, no reply The individual who made the transfer did not have my  account number so it is my assumption that a teller at the local branch provided my account number to the person making the withdrawal. This is a serious breach in information on Chase 's part, and there are probably other instances where information was shared/released to non-unauthorized parties on my and other customer 's account. 

Chase has issued a provisional credit, which can be reversed at any time. Therefore I am still waiting on a response as to what happened and how the matter is to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a private loan from XXXX XXXX for {$30000.00}. I  graduated from XXXX in XX/XX/XXXX. Since then, I have been paying at least {$280.00} a month as a repayment. I began XXXX XXXX  in XX/XX/XXXX, but was unable to receive a deferment on the private loan payment despite not being able to work. At the same time, I was able to receive deferments for the extensive federal loans. Despite this fact, I paid my monthly payment of {$280.00} a month every month since the summer of XX/XX/XXXX. I graduated from XXXX XXXX in XX/XX/XXXX. During this time, my loan has been transferred by XXXX to American Education Services, and they have increased my loan payment to {$300.00} a month. I have been unemployed since XX/XX/XXXX,  but I 've been able to pay my monthly payment every month. However, the payment is crippling. The outstanding balance on the loan is over {$35000.00}. I need immediate help with paying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: GA

Complaint narrative:
I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that Equifax had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called Equifax to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TX

Complaint narrative:
id theft victim everything enclosed police report enclosed hippa riights and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Michigan Mutual, Inc.
State: CA

Complaint narrative:
On XXXX XXXX 2017 underwriters at Michigan Mutual and an underwriter at XXXX XXXX  interpreted guideline B3-6.06 of the XXXX XXXX selling Guide, under the heading " Property Settlement Buyout '' to imply that the buyout must be " court ordered ''. 

Because it would be illegal for any government agency to order an American to buy something, by definition, a settlement buyout can not be court ordered. 

I have tried many times to speak with someone with authority at XXXX XXXX but apparently the public does not have the right to do so. I have only been able to speak with representatives at XXXX XXXX that tell me they have no authority, and they insist there is no way that i would be allowed to speak with anyone who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that XXXX had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called XXXX to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I called Navient on XX/XX/XXXX and took care of my loan that was going to get defaulted and put it on a interest reduction program. I also asked to take my work number off my account and told them I was not suppose to be getting calls there. Let them know about the response I got from CFPB and that they checked into my account and my work number was off. I asked because I received a phone call at work yesterday XX/XX/XXXX. 
I then called Navient recovery on XX/XX/XXXX and talked to them about the response back that I received from CFPB about making a {$250.00} a monthly payment and my account for the 2 loans that defulted. My manager was not in and they left a message and emailed what we talked about to my account manager. I got a call today XX/XX/XXXX from my account manager XXXX XXXX and said that they said they do not have anything noted down about doing a $ XXXX monthly payment. She stated yelling at me about how a another company is telling me what I can do and that does n't that tell you about trusting another company and that it 's not Navient and she got really angry and would n't give me anytime to talk. What can I do about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.

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 2017-10-02 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: World Acceptance Corporation
State: MO

Complaint narrative:
This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TX

Complaint narrative:
id theft victim everything enclosed police report enclosed hippa riights and cra

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 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. 
On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. 

In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is an addendum to CFBU Complaint number XXXX Please be advised that pursuant to further review of my files, I can verify the following : 1 ) I purchased XXXX XXXX XXXX ; XXXX, MA XXXX in XXXX 2 ) Bank of America was my lender and I used an XXXX loan schema. The primary mortgage has since been assigned to another servicer and is current. 
3 ) The second mortgage was involved in the Settlement with the Office of the Controller of the Currency in XXXX ( via the XXXX Foreclosure XXXX XXXX XXXX ) 4 ) At the time, Bofa characterized the second mortgage ( Bofa XXXX ID : XXXX ) as satisfied and paid in full. Indeed, this is precisely how Bofa has reported the loan since XXXX. 
5 ) Regardless, the loan in question closed in XXXX, past the six year statute of limitations for debt collection in MA. 
6 ) I discovered through a title search that Bofa never released the lien on my property and have been given the run around since XXXX regarding the matter. 

PROPERTY ADDRESS : XXXX XXXX XXXX ; XXXX, MA XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXXXXXXXXXX

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. 

XXXX XXXX, GA

Company response to consumer: Closed with non-monetary relief