vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I am exempt from paying property tax as I am a 100 % service disable veteran. I received the exemption approval from my city on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX regarding the tax exemption and XXXX regarding my escrow account. All requested documents were faxed to Ditech at XXXX XXXX XXXX XXXX. 
- XX/XX/XXXX Ditech confirmed they received my documents and was told my tax liabilities were zeroed out of my escrow account and wait 7-10 business days for an escrow re-analysis. 
- XX/XX/XXXX Ditech paid my winter XXXX taxes without receiving a bill. My exemption was approved by the XXXX of XXXX and a winter tax bill was never mailed to Ditech. The XXXX of XXXX mailed a refund check to Ditech in the amount of {$480.00} on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX and was informed that the tax department zeroed out my summer taxes but not my winter taxes. She said she resubmitted the request to reflect a 100 % property tax exemption on my account and should be resolved by XX/XX/XXXX. XXXX tax refund check not showing in their system. 
- XX/XX/XXXX I spoke with XXXX who stated that my account was still under investigation. I requested to speak with the tax dept, the escrow dept or a supervisor and was denied. She said all I could do was wait. 
- XX/XX/XXXX I spoke with XXXX Stated my escrow account was still wrong even after last investigation. He opened a new investigation but once again I was denied the opportunity to speak with the tax dept, escrow dept or a supervisor to attempt to resolve issues. 
- XX/XX/XXXX I spoke with XXXX where I requested to speak with a U.S. customer service representative. Someone who had the experience and knowledge to go over my still inaccurate escrow account. 
- XX/XX/XXXX I was transferred to XXXX who said she was from the tax department. She stated they received the winter tax refund check in the amount of {$480.00} but it has not been sent to Ditech as of yet. I was advised to wait until I see the refund detailed on www.ditech.com. Once I see the refund, call them and request another escrow re-analysis. 
- XX/XX/XXXX I spoke with XXXX who stated they did receive the winter tax refund check and I was advised to wait another 7-10 business days for a yet another escrow re-analysis. 
- My escrow account is showing that I owe {$20.00} when in actuality Ditech owes me {$1500.00}. 

All of this has put a financial burden on me as my escrow payments were increased which in turn increased my monthly payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. I have been paying {$910.00} when my correct payments should be {$620.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax has not been allowing people to Freeze Credit for at least 3 days now! 
On XX/XX/2019, I went to all 3 credit bureaus to freeze my credit. Two worked quite easily. However, the Equifax website would continually give an error. I was able to set up my account with Equifax properly, but I could not freeze my credit. The error message said " We can not complete your request at this time. '' We have tried for both my account and a separate account for my husband and receive the same error for both. 
So I tried again today, Sat, XX/XX/2019 and received the same error. I called the Equifax Consumer Care team at XXXX ( per the welcome email I received after setting up my account properly ), and the person who answered the phone said " I apologize but our systems are down and we can not access any information today. '' In summary, for over 3 days, Equifax is not allowing people to freeze their credit as they are required to do by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing started servicing my mortgage in XX/XX/XXXX. Fay service illegally added property tax debt to my mortgage without legal cause. The amount changed my monthly payment from {$1000.00} to {$1300.00}. They wrongly placed my line 3 months late and in fact I was only 25 - 30 days late causing credit rating of late and none payment to race credit risk and low credit score. This company has reported incorrect information too XXXX   and other credit company. Please not how there is no request from Fay for new loan, but my mortgage payment per month has changed 4 times since XX/XX/XXXX with this company falsely. Even as late as today, wrong information is reported, they are still reporting my monthly of {$1100.00} which is wrong. My monthly payment has been came for years in the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX & Experian are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. XXXX & Experian have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In early XX/XX/2019, I received 3 letters from Chase bank. Each letter informed me that a credit card account had been closed down. I had 3 total credit cards with Chase, so that meant all my cards were closed. 
I called Chase the same day I received the letters. I explained what happened to the CSR. A payment I had made did not go through because I had mis-typed my bank account info the setting up payment options. It was off by 1 digit. I had called and corrected this with a different Chase CSR as soon as I noticed the problem in late XXXX. I did to miss any payments and all accounts were paid in full at the time I received the first letters. 

The CSR told me that she would send my info to another department for review. 2 weeks later, I received 3 more letters, all dated XX/XX/2019. All letters said the same thing : Chase would not re-open my accounts. Again, all cards were fully paid and 2 of them even had small negative balances due to bonuses earned that were paid after the cards were shut down. 

My total credit limit across all cards was less than {$15000.00} and I never came close to that much spending in any billing cycle. I never missed a single payment over the life of the credit cards. Chase made a rash and ridiculous decision to close all accounts over a typo that I corrected as soon as I learned about it. The higher balances over the holidays was due to some gift cards that I purchased for friends/family. Again, none of this violated the terms and conditions I agreed to when I signed up for the cards. 
I would like all 3 credit cards re-opened. I am not interested in applying for them all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to freeze my credit at Equifax for several weeks but no matter when I tried or how many times I tried, their system acknowledges it has my account but as soon as I try to start a credit freeze, it states " We are temporarily unable to complete this request please try again later '' I tried to phone but my hearing is bad and the people answering the phone have foreign ( XXXX? ) accents and there is no way to " chat '' for people with hearing problems. 

Of course, I am not the only one that has problems with Equifax. When searching with the error code I found at https XXXX XXXX that over a thousand people  have horrible problems with this company and a 1 star rating based on the last 94 ratings.

I had no problem at all at XXXX   and XXXXXXXX doing the same thing! 

As far as this company standard answer is concerned to " send copies of valid driver 's license, social security card, 1099 form by US mail '' this is a very unsafe way to have someone note the address and open that letter to steal your identity! 

Why is their support based in XXXX and not the XXXX? That is very unsafe. No wonder they had the massive security breach last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: WI

Complaint narrative:
Approximately on or about XX/XX/2018, I called my mortgage company and explained that I would be out of work for a few months and requested to be set up on their financial hardship plan. They offered me the " Forbearance Plan '' option which would consist of No late fees or penalties, no negative effect on credit or reporting to bureaus, and in I would be able to " skip '' my XXXX mortgage payment of {$800.00} and instead make three payments of {$1000.00} in XXXX, XXXX and XXXX. I agreed to these terms, and upheld my end, but I was not only charged tons of fees, I was threatened with foreclosure, reported to all credit bureaus, called at all hours of the day. I explained to them that had I known that this " help '' they offer was really going to hurt more both financially and mentally, I would have never agreed. Then to add insult to injury, after finally getting tired of losing time at work trying to straighten this all out, I just coughed up all the money for fees and I get a call saying that my mortgage company is charging me for mortgage insurance ( at an outrageous rate ) ( stating I dont have it ) that I have continuously carried since day one without fail. Upon further investigation, I have found that My home was double insured ( I carrying my own, and them sneaking one in ) since spring 2018. When I brought that to their attention, they said they would look into it and remedy, and after a couple weeks, I called back, and they claim to know nothing about it. Rough calculating, I have been charged over {$3000.00} in forced insurance, late fees, and interest at minimum.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother. 
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an " update ''. Clearly they can not bring themselves to say " outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending " update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank extended a $ XXXX line of credit to help me grow my business. When the loan came to maturity they debited the amount due to my checking account even though I mailed them a check in the like amount drawn on the same account. 
When this error was brought to the banks attention they remedied their error by issuing a bank official check for {$77000.00} However that check was never encashed and the business was closed by my family when I was hospitalized due to a near death trauma. 
Some years ago the check was presented to the successor bank but they refused to replace or honor it. 
I sought advice from XXXX XXXX XXXX who had taken this same bank to task for malpractice. 
I approached XXXX XXXX, the CEO of the bank as he instituted vast beneficial changes in the banks operations to amend their practices. However his office directed me to the Florida State department that handles uncashed cashier checks. This mechanism allows banks to take client unclaimed funds off their balance sheet and handover same to the state due to death or not knowing the whereabouts of the beneficiary. 
The State explained to me that mechanism was not applicable to my funds as the bank at all times to date had my address and continue to hold my same account with the same number today. 
I come to CFPB on recommendation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had a regional director, XXXX XXXX of the bank from their Florida regional office in XXXX contact me. She confirmed the funds were with the bank and that the check was issued through a vendor that issues their official chcheck. That the official check was stopped for lack of encashment and the funds making up the check weare with the bank. They now use a different vendor. 
XXXX XXXX requested further information, statements etc which I may have in boxes and furniture packed by my family.XXXX XXXX XXXX recommended that I request CFPB to investigate the matter so the bank will replace their uncashed/stopped Official Check. 
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 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This company started calling me and not answering when I would pick up. I called them back and they said it was about a debt from XXXX. In XX/XX/2017 I was fraudulently put on an XXXX account. It is not mine and not my debt. I have been cleared by XXXX and have confirmed that with the company numerous times. My name and phone might be on it but my SSN is not and I confirmed that with XXXX   and Convergent USA over the phone. I need my info removed from that debt and your system. This isnt my debt.

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 2019-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We purchased our home inXXXX. My address is XXXX XXXX XXXX XXXX, NJ. We locked in our rate at under 3.25 % But my rate was changed by my bank ( a flat rate ) to 7.50 %. I paid this rate for more than two decades. InXX/XX/XXXX I complained and the bank said that they would now change the rate to 4.25 %. They never gave me any credit of monies for there admitted mistakes. And they would provide me with a modification which they said was permanent. I recently received information about my home being up for Sheriffs sale. In XX/XX/XXXX I owed {$24000.00}. And even though I have been in bankruptcy and paying the mortgage company directly I never saw a decrease in what was owed. Wells Fargo now has doubled the amount owed ( {$45000.00} ) and changed the rate to 4.75 % .They never told me that the XX/XX/XXXXmodification was temporary. And most recently I was rejected for a modification. And my home is listed every single month for Sheriffs sale. Wells Fargo has deceived me throughout this whole process. They have always cheated, and been dishonest about this whole process. I have never had any equity in my home. Not from the beginning until now. As a matter of fact Wells had my home equity as - {$25000.00}. I have small children and I have been diagnosed with XXXX XXXX   XXXX. My health is failing. I just want to be in peace XXXX XXXX XXXX XXXX. I as the your organization look throughly at all of the accounting from day one until now. The only thing that I want to happen with this matter is my Deed paid in full from Wells Fargo. I dont want any more temporary empty promises to pacify me in any way. That way I can live in peace 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 explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I was the victim of a computer scam. My XXXX  card was charged {$470.00} by XXXX XXXX. I never bought or received anything by XXXX XXXX. I was forced into this situation by XXXX XXXX at XXXX who fraudulently passed himself off as XXXX Customer Service and who took remote control of my computer. I later found out this number was not XXXX and XXXX never worked for the company. 
I called XXXX immediately after the charge was made to stop it and explained what had happened. I was assured the {$470.00} would be put in dispute status and the matter would be taken care of. I was supposed to get a dispute form sent to me- it never came. I called XXXX again and another dispute form was supposed to be sent to me- it never came. I called again and found out no forms were send to me but that the matter was taken care of because it was fraud. On XX/XX/2019 I got an email from XXXX saying the dispute was closed and the charges were valid. I called XXXX and was told to send a letter to the disputes dept. if I disagreed to reopen the dispute- which I have done. 
XXXX has handled this complaint very badly and ineffectively, never getting my side of the story in writing and lying to me about the dispute forms and about the matter being taken care of because it was fraud. It was bad enough that a scam had been perpetrated but worse that XXXX did nothing about it and sided with the scammer.

Company response to consumer: Closed with monetary relief