vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I submitted a request to the original mortgage servicer, XXXX XXXX, for loss mitigation. During the process, my loan was sold to a third party without notification from XXXX XXXX, but the third party. The third party, XXXX XXXX XXXX XXXX XXXX, notified me on XX/XX/2019. When I contacted XXXX XXXX, they did not confirm or deny. Weeks later, I finally received a letter from XXXX XXXX indicating that my loan was being sold to Fay Servicing. Fay servicing mailed out statements, etc ... When I called them to determine the status of the loss mitigation, I was told that all of the paperwork would be on file from XXXX XXXX and that my account manager would follow up. Each time I call I can not get an answer. My most recent phone call interaction was information telling me that the loan has been sold to yet another servicer as of XX/XX/2019 and I should have received correspondence. I have not. I am fearful that these companies are playing the shell game with my mortgage in an effort to avoid processing my loss mitigation request and move to foreclosure of the subject property. How can my loan be sold in less than 30 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello, to begin with. This issue involves my Lender LoanCare https : //www.myloancare.com/. They took over my loan from XX/XX/XXXX. As of that date, my husband and I approved for them to be in charge of paying the Home taxes and the Home Insurance through Escrow. We have been paying them an extra {$420.00} dollars every month for them to pay a yearly tax of about {$2400.00} to {$2600.00}. Our mortgage including taxes and insurance equals to {$1300.00} a month. Recently, our mortgage payments keep going up. The Lender " Loancare '' advised of our mortgage payment to go up to {$1600.00}. My husband called to investigate why it would be going up so much. Loan care responded with XXXX County taxes are going up {$1200.00} more than last year and Insurance is going up ''. this call ended in just that. No more questions asked from my husband. Next, we took it upon ourselves to call the XXXX XXXX County Tax Collector and they advice us that the taxes actually went down {$60.00} dollars, and whomever gave us that information is incorrect. We also called our insurance agent we had been in business for years with, they also communicated to us that insurance went down a couple of dollars this year! So then, we asked the Tax collector for information on our yearly taxes. It states that our mortgage company or Lender LoanCare, NEVER PAYS THE TAXES ON TIME, AND IT IS ALWAYS A YEAR BEHIND! as a matter of fact, they just paid the home taxes of the year XX/XX/XXXXTHIS YEAR! they have yet to pay two delinquent taxes from the year XX/XX/XXXX! and This company " LoanCare '' is asking us for more money! Loancare wants {$800.00} dollars more! to pay for taxes, because they are behind. So I called XXXX and I told them my concerns, I assured them I know what is going on and that all of the taxes are behind and they barely made a payment on the taxes of XX/XX/XXXX. I asked them why should I pay them more when they are not doing their job? and I also asked them for copies of all the Escrow account and they denied it! they did not send it to my email like I ordered. Please help me get to them. They do not care about what I say and what I ask from them. they are not helping me resolve the issue, and it looks to me that the escrow money I have been sending them, they have not been using it for what it is for.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was enrolled in Citibank Checking Account No. :  XXXX Thank You Rewards since XX/XX/XXXX My last record of Points Earned XX/XX/XXXX My last Order Using Thank You Rewards program XX/XX/XXXX Cart ID : XXXX Order ID : XXXX During the active Thank You Rewards program membership period from : XX/XX/XXXX to : XX/XX/XXXX 5 years and 6 months, XXXX reward points were not applied to my Thank You Rewards program Account No. : XXXX On XX/XX/XXXX I contacted customer service ( XXXX ) XXXX and addressed these issues to Customer relations Supervisor named XXXX, located in Texas. I was informed over the phone that Im not enrolled in the Thank You Rewards program ; however I explained that I have been member since XX/XX/XXXX and already made purchases using my points. 

Please investigate this incident and make fair determination, I was sure that Im earning points for using my debit card but in reality looks like I was defrauded.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XX/XX/XXXX, our home was damaged by Hurricane Florence. I contacted Chase Mortgage & was approved for 3 months disaster assistance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no negative credit reporting. I resumed normal monthly payments in XX/XX/XXXX while renegotiating payback to Chase for the 3 months of disaster assistance. I requested adding the 3 months to the length of the loan. Chase refused. They said the full amount must be repaid or I could renegotiate the amount of the monthly payment over 12 months to repay the amount owed for the 3 month disaster assistance reprieve. This option was accepted and, eff. XX/XX/XXXX,  the monthly payment increase began. Our home was sold XX/XX/XXXX, & the mortgage to Chase paid in full. In XX/XX/XXXX, we began proceedings to purchase another home & learned that Chase had reported our loan was in arrears for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX despite timely monthly payments being made reflecting the increased payment amount negotiated with them. They informed me that not paying the full balance of the 3 months of disaster assistance resulted in the negative reporting. Reporting also reflected payment not made in XX/XX/XXXX despite the loan closing XX/XX/XXXX. I have requested removal of the negative reporting due to its relationship to approved disaster assistance amounts and our good faith renegotiation of the monthly payment to pay this amount in full over 12 months. Chase has repeatedly refused. This has prevented us from purchasing another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding has been calling me using automated dial services. They call me from numbers that appear on my caller ID as " Unknown Name ''. They never leave a message and call constantly.I have asked them to stop harassing me but the automated service does not seem to take this request. Midland has also misreported my account information which shows the same account duplicated but with slightly different amounts owed, account number and dates. I have asked them to review but they will not correct this issue. The account numbers are always blocked or unavailable. I have disputed this with credit reporting agencies to no avail. The original creditor was XXXX XXXX. I only had one XXXX XXXX account open at the time of this debt being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CA

Complaint narrative:
debt not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We have been struggling to make our payments for quite some time now. The CFBP was instrumental in helping to stop the sale of our Home in XX/XX/XXXX due to errors by the lender resulting in raising our payment substantially. We have not been able to recover from all the extra time and expense since that error. We made the decision to sell our home. It's been listed for several weeks now. We are confident it will sell as is our realtor. We have kept in touch with Mr. Cooper reps however they were non-responsive to our latest request dated XX/XX/XXXX in writing asking for a loan forbearance while our house is being marketed. We made a good faith partial payment with this letter however the payment was returned with no mention of the forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: The CBE Group, Inc.
State: OH

Complaint narrative:
Reported XX/XX/2019 by CBE GROUP on behalf of XXXX XXXX XXXX XXXX in the amount of {$250.00} which has posted on my credit report twice. I want both of these marks removed as they are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOSCCA has been reporting my account as late each month. This account was purchased from XXXX making it no longer eligible for a monthly set amount or late mark. I have disputed this many times to no avail. The account was originally paid in full with XXXX prior to it mistakenly being sold off to EOSCCA. I disputed this item and now it is showing as late every month rather than closed or paid off. This is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The  information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.

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 2019-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My wife and I opened a few accounts at Santander accounts and they blocked online access. My husband called for his accounts and was told I had to go in branch which doesnt work as the location is too far away. My wife has gotten calls she has a negative balance but we cant see why because we are blocked. The other option they gave me was to mail a notarized letter which I cant get right away. Im concerned as this could go against my credit as there is s negative balance. I would like my accounts to be closed and the money returned to me by check at the mailing address they have on file. Both myself and my wife.

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 2019-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Speedy cash debit {$310.00} from my account for a loan that was not even mine. I spoke with them and they refused to give me my money back. The loan was for my sister who used my care to pay a one time payment. They debit my account on XX/XX/2019. I spoke with them XX/XX/2019. They were the ones who refused to work out a payment plan with her. XXXX XXXX her name and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo sent a denial and did not try to resolve this problem.They said that they do not have any programs to put me in. On the XX/XX/2019- said they were willing to investigate and assist on XX/XX/2019they sent out a denial without even contacting me or my realtor.

I am asking for help, they put another auction date in less than a month after last auction date. Please help me I'm beyond upset, they are always playing games. I'm so tired of this lender. If you investigate you would see how many times I reached out for assistance and for help to do a short sale to sell my home. 

Regards 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 2019-10-02 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: PA

Complaint narrative:
I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX - XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX - XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; 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 non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a secure banking debt account from chase bank on XX/XX/19 I had put XXXX dollars in account on XX/XX/19 they closed my account still have not sent me my money back to me and will not give me an answer why the same thing happened to me when I tryed opening a chase business account a couple years back in XXXX when I was doing work as a contractor there they held money of mine and closed my account with no explanation and said they dont have to give me one I have never done bad business with them and simply trying to find out if someone else has stolen my identity but they will give no answers I feel as if I'm being discriminated against by this bank. I should have the right to know why they have closed my account to protect my self from identity theft. I have gave them all my identity info but they cant give me a reason for closing of my account so only reason I can come up with is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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