vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: First Data Corporation
State: AZ

Complaint narrative:
On XXXX XXXX XXXX Telecheck took a return payment that was coming to me from XXXX. The amount is {$490.00}. The case number for Telecheck is XXXX. Telecheck has admitted this was in error however provided no solution other than filing a claim which they stated could take up to 30 days. Telecheck is also reporting an issue with me as a consumer during this time which does not allow me to write or get checks cleared through merchants. Telecheck has confirmed this is there error. Telecheck stated they have attempted to refund these funds to a closed bank account and again have not offered a resolution. I have been without these funds since my refund processed through XXXX on XXXX XXXX XXXX. Hard to believe a compnay can withdraw funds without your consent and take up to 30 days to resolve their issue. Also the fact they are negatively reporting me as a negligent consumer should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: VA

Complaint narrative:
The company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to. 
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC
State: CA

Complaint narrative:
Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
In XXXX I consolidated my Federal student loans because I was hired into the XXXX XXXX XXXX and they provide a XXXX XXXX loan forgiveness program. I expressly consolidated so that I could have the loan forgiven in 10 years and said as much to the service when consolidating. They did not inform me that for the loan to be forgiven you have to be in an income based repayment plan and they instead set me up with a minimum payment plan so that I would only get a payment credit every 2 or 3 payment instead of every month. I 've given up on the XXXX XXXX loan forgiveness program after 7 years of federal service as it would n't be worth increasing my payments and for the next 6-8 years it would take to get the 120 credits it requires to be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
Freedom Mortgage paid my house insurance premium of {$750.00} out of the account for my four-plex mortgage. The statement that I can download online shows that the {$750.00} was deducted and then credited, but there is no actual balance that reflects this. The escrow account disclosure statement that was mailed to me XXXX attached ) shows that the {$750.00} was deducted, but not credited. The accompanying balance on this statement reflects the {$750.00} deduction, but as mentioned, there was no credit back to this balance. 
I asked for documentation that shows a balance to clarify this. Freedom Mortgage has sent a statement with the deduction and credit of the {$750.00}, but were hiding the balances. I responded within their email system asking for documentation of the credit with the corresponding balance. They responded that I did not have authorization for such information. 

After multiple phone calls and emails, representatives are unable to answer what has happened with my account and they refuse to give me the information that I am requesting ( i.e. the debit and credit of the {$750.00} with the accompanying balances XXXX. They are definitely trying to hide something.

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 2017-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME IN.

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 2017-11-09 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: Sortis Financial, Inc.
State: WA

Complaint narrative:
In XXXX XXXX our mortgage was transferred to this company from XXXX We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, XXXX and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Without notice, my credit cards were closed by Bank of America. This was done the day before my statement closed in an effort to steal my rewards. I had about {$5000.00} worth of points on my 3 credit cards that were closed.

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 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I applied for a XXXX XXXX Credit Card and was denied. The letter denying my request stated, " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency or other negative performance ''. 

I did have a XXXX XXXX bankruptcy in XXXX and all creditors were paid what the court requested that I pay. Barclays states that they are still showing a balance due on my old account that was included in my bankruptcy. I explained to them that my obligations were fulfilled and that they should have no balance on any account from me. My credit reports all show NO negative standings. Barclays stated that they did not pull a credit bureau report and because they are showing that balance ( which should have been written off XXXX, they can not issue me that credit card. 

No matter what I stated to them, even stating that it has been 7 years and my credit is now excellent, they said it did not matter, because they are still showing a balance, even though they should n't. 

Can you help me with Barclays to get this account balance removed and hopefully receive a credit card from them.

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 2017-11-09 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: WA

Complaint narrative:
In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

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 2017-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX

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