vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX CELL ON XXXX XXXX 2017 I  APPLIED AND WAS GIVE AN APPROVAL FOR A LOAN FOR {$64000.00}. I WAS TOLD THAT IT WOULD BE REVEIWED AND WOULD TAKE APPRX 3-5 DAYS FOR FINAL APPROVAL. I SENT ALL OF THE REQUESTED & REQUIRED INFORMATION IN. BUT EVERY TIME I DID SO THEY ASKED FOR MORE INFORMATION. AFTER ALMOST 2 MONTHS ON THEXX/XX/XXXX 2017 THE LOAN / CONTRACT WAS COMPLETED AND SIGNED AND I WAS ADVISED THAT I WOULD BE FUNDED WITHIN 3 BUSINESS DAYS. BUT THEN ON XXXX XXXX 2017 I RECEIVED A TEXT AND A EMAIL STATING THAT THE NEEDED ADDITIONAL INFORMATION. I CALLED AND SPOKE TO THE OPPS MGR XXXX XXXX XXXX @ XXXX WHO REPORTS THAT NOW AFTER BEING APPROVED, REVEIWED OVER THE LAST TWO MONTHS, NOW THEY NEEDED SOME OTHER INFORMATION THAT WAS NOT REQUIRED TO GIVE ME THE FINAL APPROVAL OF MY LOAN, BUT THEY WERE GOING TO REVERSE THAT CONTRACT AND ASK FOR MORE INFORMATION. IT IS MY BELEIF THAT SOFI HAS PATTERNS AND PRATICES HAT ARE DISCRIMMINATING IN NATURE. AND I BELEIVE THAT SOFI HAS BEEN LOOKING FOR SOME REASON TO DENIE ME OF THIS LOAN VS GIVING ME THIS LOAN BECAUSE OF MY RACE, COLOR, OR CREED. YOU CAN NOT APPROVE AAND FINALIZE A LOAN, HAVE A SIGNED CONTRACT FOR SAID LOAN, SEND ME A LETTER SAYING SO AND NOW TAKE IT BACK FOR NO OTHER REASON AND DISCRIMMINATION. XXXXI WAS APPROVED ON XXXX XXXX 2017, AND THE CONTRACT WAS SIGNED ON XXXX XXXX 2017 AND COMPLETED FOR FUNDING. THIS IS A CONTRACT AND THEY HAVE A RESPONSIBILLITY TO FULFILL THAT CONTRACT. XXXXI THEN SENT A LETTER TO THE CEO XXXX XXXX  XXXX @ XXXX@XXXX, AND ON THE XXXX XXXX I RECEIVED ANTHER LETTER FROM SOFI SAYING THAT NOW I HAVE BEEN DENINED A LOAN AT FROM SOFI WITH A XXXX CREDIT SCORE FROM  XXXX XXXX 2017. I WAS ALSO LOCKED OUT OF ALL OF ME ACCOUNT INFORMATION AN OF XXXX XXXX 2017 AND CAN NO LONGER SEE MY ONLINE ACCOUNT OR STATUS. XXXXI HAVE A COPY OF SAID LETTER ALONG WITH VERIFIING INFORMATION AND EMAILS TO CONFIRM THE STATUS OF MY SAID ACCOUNT. XXXXYOU MAY CONTACT ME @ XXXX@XXXX, OR MY CELL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
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The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
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Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
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Chase has decided to deny the short sale request because the home was rented for more than a year.
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Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.

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 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
So, I refinanced with Pacific Union Financial back in XXXX XXXX 2017.  Never have been late. Have done everything they have asked me to do. Have provided everything they have asked for. On XXXX17, I get a call, " sir, due an error by us, Pacific Union financial, we are going to take your present escrow ( up to date ) cash and pay the old escrow account. And you, sir, will be responsible to make up the difference for our mistake. '' Or words to that effect. I sent an email to the person who did my VA refinancing ( XXXX XXXX NMLS # XXXX Mortgage Consultant / Sr. Loan Officer Direct Line : XXXX Cell / Text : XXXX Toll Free : XXXX ) asking for clarification. Later in, In the shortest and simplest of way, I was told that although they made and acknowledged their error and mistake 5 months ago, they will raid the money from my new escrow account to cover for their mistake. Almost 6 months later. As I thought about it, I realized i had been told " We made a mistake months ago but it 's up to you to make up the difference of your new escrow account once we drain it so we can cover for our incompetency. I am a former XXXX. I also care for a XXXX XXXX XXXX  XXXX veteran. I work 2 jobs. I never asked for anything nor do I want anything, other than honesty and accountability. This error was n't discovered 2, 3, 4 not even 6 weeks after. It was almost 6 months later. And now all I get is a hollow excuse of " we totally messed up but you are going to get XXXX for OUR incompetence and lack of attention. '' i got a lot of " if this '', " if that '', justifying why I was going to get penalized in order to cover their mistake. 1-2 months after closing, I get it. But, after almost 6 months..?? How is that fair? I did nothing wrong and I have always complied with everything they asked and wanted from me.. A billion dollar company, yet, I have to cover for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Jemcap LLC
State: NY

Complaint narrative:
There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court an d federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal a nd / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Departme nt of Consumer Affairs and this company has not responded as of yet ... the DCA can not e nforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok in our State against our citizens, under the radar.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-07 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
O n  X/XX/2017  I checked my credit report and see that the collection agency is duplicate reporting for the same account.

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 2017-06-07 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I co ntacted Caine and Weiner o  n   XXXX   XXXX  2017  re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For    XXXX  2017 ,   the collection account debt was removed from my credit report.. However, it reappeared on my  XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: LA

Complaint narrative:
This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all   XXXX   credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all  XXXX  credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX , Transunion or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>  Thank You

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 2017-06-07 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: LA

Complaint narrative:
This XXXX XXXX account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted XXXX XXXX to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to XXXX XXXX directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from XXXX XXXX as well as the third party collection agency. The collection agency never reported anything to XXXX XXXX, not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted XXXX XXXX directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with XXXX XXXX to resolve this issue however I have been unsuccessful in doing so. I also requested that XXXX XXXX provide any signed contract documents proving this account was opened by me which I have not received, in doing this XXXX XXXX has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which XXXX XXXX did not provide to Equifax, XXXX or XXXX nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and XXXX XXXX to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: LA

Complaint narrative:
This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that S  XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX  e has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or Experian nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You

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 2017-06-07 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: Synovus Bank
State: TX

Complaint narrative:
Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Nationstar has continually proffered incorrect and changing amounts as relates to interest due and interest rates and effective dates for interest rates associated with my former mortgage with SERVICER Nationstar. Even though I have requested that Nationstar address these issues, Nationstar has failed to adequately, reasonably and truthfully provide simplistic answers, in both written statements and mathematical statements. Nationstar has mistakenly or fraudulently sent billing statements to me showing totally incorrect interest amounts owed. These interest rate and interest amount errors have contributed to Nationstar providing me with an incorrect XXXX for the year of 2016, that Nationstar is unable to explain by the use of relevant mathematical equations.

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Even though Nationstar was only the SERVICER for XXXX XXXX Trustee, Nationstar has refused to supply me with any written statement that Nationstar no longer has any financial interest in my former property, even though I have a XXXX $ $ mortgage balance with Nationstar.

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Nationstar has fraudulently refused to refund to me the {$1400.00} in my favor returned insurance premium refund, that Nationstar deposited to my XXXX $ $ balance escrow account with Nationstar and showed in their Nationstar report listing that the {$1400.00} was owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation