vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: PA

Complaint narrative:
I 've been working with the bank on a mortgage loan. We were supposed to close on  X/XX/2017    and they were unable to as they waited until the last minute to get things to the underwriter. We finally get everything else in, and the bank goes silent for days. I tried reaching the banker who was assisting me with no luck. Tried reaching every person who had called me from the bank, and literally no one would answer. I found   XXXX   XXXX   's contact information on their BBB portal, and gave him a call. He is the  manager , and advised that he did not know why we had n't closed as my file looked good and that he 'd try to expedite things for me. Now   XXXX   XXXX   also disappears and wo n't get back to me at all. I am at a LOST! I am on the verge of losing the contract on the home as the seller is worried that we wo n't be able to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.

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 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The acc ount with PNC is completely inaccurate. I do not owe PNC bank this monetary charge off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an auto loan with  Capital One Auto Finance.  I n     XXXX   XXXX   2016 I ra n into a financial hardship. I normally pay my auto loan from   XXXX  of   XXXX    accounts connected to  Capital One 's  back office. However, both of these accounts were unable to cover my outstanding balance. My auto loan payment is approximately {$550.00} per month and I had an outstanding balance of {$100.00}. I To cover this balance and prevent my account from falling into delinquent status, I connected another account. However, during the process I inaccurately entered the account information causing the {$100.00} payment to be returned. After realizing this error, I submitted a payment of {$100.00} to correct the error. However,  Capital One  reported my account as 30 days late to the credit bureaus, which has adversely affected m y credit score.      I reached out to  Capital One via  phone and explained my situation to the representative who assured me they would look into my account.  Little did I  know they would only be submitted a dispute to the bureaus, which prompted an inquiry by Capital One and confirmation of the delinquency on my record. This is not what I was trying to initiate, as I understand that it was user error on my part that caused the issue.     I wanted  Capital One to r emove the delinquency in  Good Faith  as I corrected the issue and have never been late on my payment with them before. In addition, I have a previously paid off loan with  Cap One. So  after not receiving any assistance I reached out to the   Executive Office via email.
A representative with the executive office called me and assured they would look into the situation and call me back within 48 hour  s with a resolution. They did not ... I had to call again and a rep informed me that they would not be able to assist and that  Capital One DID NOT issue Good Faith corrections. This is false, as there are many examples of Capital One  working with their customers who have run into hardships. So I do n't understand why they would take a hard line with someone who uses both their auto and credit card services faithfully.     After receiving the turndown via phone, I reached out by mail to express my displeasure with their service and received a form letter stating that they would no longer be able to assist me in the process. Thi s one mistake on my part has lowered my credit score by over   XXXX   points. I am highly  disappointed as longterm customer and would appreciate a bit of commonsense and fairness with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a 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 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDCOUNTRY FINANCIAL CORP
State: WI

Complaint narrative:
Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.

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 2017-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I sent {$520.00} via  Chase Quick  Pay on    XXXX   XXXX  , 2  017.  Afterwards, Chase sent me  two telephone messages and one e mail asking me to confirm that I did send the money. I called  XXXX , the number provided by Chase confirming I sent the money. Then, I got another call from Chase asking me to call Chase regarding money movement.     In the meanwhile, i found out that my chase account online access has been suspended. I called Chase asking what is going on. Chase told me that it has to verify my identity. I provided my cell phone number, Chase said it is not registered even thought I have received routine messages from Chase regarding my account. Then, I asked Chase whether it could send code to my email. I was told Chase is unable to send email.     I was told to bri ng two I Ds to  Chase  local branch to verify myself. Otherwise, the online access could not been restored. Chase does n't have the ability to send email, could n't locate my cellphone number. As the result, I have to take  two h ours of my busy life to go to local branch to verify myself.     It is time to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
On  XXXX /2017  , I mailed a regular mail request to validate, it was not responded to by central financial /Syndicated office.  XXXX / XXXX / 2017 , I mailed a certified request to validate debt, give accounting of fees of the debt and other item s ( 2nd letter ). 3rd le tter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX /2017   not being responded to ( sent  XX/XX/  2017  ), this was the second certified letter. The request was not responded to as of today. Per the law they do not have to, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX /2017  , they have not responded to either letter. The second certified letter gave  them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney will be contacting them in 2 days also, however, they need to follow the LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called  Capital One  to explain when I signed up I was suppose to have a lock in of  XXXX  minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  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 ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc.
State: OK

Complaint narrative:
Collection Agency   ( Progressive Financial ) is n ot reporting the correct date of last activity with creditor therefore keeping the collection continually on my credit report. I have not had an account with  XXXX   XXXX  since    2011.

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 2017-05-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On   XXXX   XXXX   XXXX    , I submitted an online dispute with Equifax concerning  XXXX  accounts on my credit report that were fraudulent. As requested in a previous disputed, I submitted a copy of my Identity theft affidavit from the Federal Trade Commission as well as a copy of the police report. Both of the accounts in dispute were listed on both documents. On   XXXX   XXXX  , I received a response from Equifax stating the account was researched and determined to be mine. When I called Equifax, I was told by an customer service  rep. t hat I did not add my current identification, however the other account was deleted from my file without it and my identification was never requested by Equifax. I would have to wait another 30 days to allow them to investigate it again. I asked to speak to a supervisor and was told that   XXXX   XXXX   XXXX   XXXX   responded to their investigation incorrectly therefore, they would need another 30 days to re-investigate the matter because it was also not investigated on their part as a fraud case. I told that supervisor that was unacceptable as I should not have to take responsibility for their agencies and the creditor not doing their parts. I asked to speak to her supervisor when connected to him, he told me that they were just reporting what the creditor sent to them. I asked how could the creditor report  one thing to his agency and another to the other 2  agencies being that the other agencies did their investigations, which resulted in the removal of the account. I asked for a copy of the investigation they did and the response from the creditor be mailed to me. He told me he would only send me how they conducted the investigation and that was it. He then stated, it also would take another 30 days the receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet in formed me on  XXXX / XXXX / XXXX  that I had a past due payment needed but I did not review the message until  XXXX / XXXX / XXXX . I have auto-payment set up with  Nelnet  and my  XXXX  payment was coming out of my account on  XXXX / XXXX / XXXX  of {$270.00}. I figured I would pay 1 extra payment on  XXXX / XXXX / XXXX  of {$270.00} to bring my account current. Due t o Nelnet 's we bsite ( lag, freezing up, etc ), I accidentally made  2 ex tra payments of {$270.00} totaling {$550.00}. Once I noticed what happened in my bank that a total of {$830.00} came out from "  Dept of Education '' aka Nelnet, I freaked out. I imm ediately called  Nelnet 's   customer service on  XXXX / XXXX / XXXX . The initial customer service rep confirmed he saw what I was talking about and th at 1 extr a payment of {$270.00} was in fact processed. He then transferred me to a " solution '' rep for a refund.     The solution rep was rude and told me the Department of Education would not refund my money even though my account was current and the extra payment of {$270.00} was a mistake. I asked if it could be added to my  XXXX   XXXX  payment and she said no, that because I made the payment within  XXXX  's pay period, it would just be extra for  XXXX . I have a   XXXX   XXXX   XXXX   infant who needed that {$270.00} this month and I expressed that to th e Nelnet solutions rep. She said, " Department of Education does n't care. We will not refund. '' This is extremely poor business practices by Nelnet. They are taking money from hard-working peopl e who need it even when their accounts are paid current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Called Transunion to see the status of my investigation and to see why something was n't removed after the company stated they sent documentation as well as me submitting documentation.  Spoke  with  XXXX  in the special handling dept and she stated that at first it was not proper documentation to remove then she stated that oh she sees the letter from the company. As we discussed more accounts that should have been removed prior after to speaking to other reps she told me that there was no investigation on my account and she could start one. I told her that it should have been I sent proper documentation on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . She stated only thing she is from  XXXX  and it was in reference to the letter. I told her I spoke with  XXXX  on  XXXX  concerning a fraud alert that I did not request and also a security freeze I did not request. Spoke with  XXXX  a supervisor on  XXXX  and  XXXX  and items as far as address, inquiries, and these disputes were supposed to been removed. I have copies of certified receipts mailed as well as fax confirmations for these dates. Please remove all inquires that do not hold accounts and all disputes that are listed on all correspondences attached. Transunion has been removing and adding products or information without proper validation which violates the FRCA.

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 2017-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a letter dated  XXXX / XXXX /  XXXX   that notifies me that there was a negative item added to my report.     On  XXXX / XXXX /  XXXX   I have attempted to contact Experian by both phone and their online system. Their online system is not willing to take my requests ( it is being rejected by the company ) and the phone system is not able to reach a human being in order to resolve the issue that I have currently.     Basically the company has designed a system that is so difficult to use that an average consumer would give up trying to dispute incorrect items on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions
State: PA

Complaint narrative:
My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want

Company response to consumer: Closed with explanation