vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I bought a car originally through a dealership and signed a contract for certain terms and a loan. Then we decided on a different car through the dealership and filled out new paperwork and signed the paperwork on the new car and loan. The loan was right for the first 2 months then I went back to the wrong loan price with the wrong Vin. I have been in conatact with capital one and the dealership with no resolution as of yet. This process has been going on in excess of 3 months. I think I am finally making headway no that I am at the presidents office at Capital one but I want to make sure it does n't hit a roadblock or get stuck on someone 's desk for another 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.

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 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: SD

Complaint narrative:
I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.

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
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I had a HELOC account attached to my property in XXXX, CA. No payments were made after XX/XX/XXXX. I moved back to New York in XX/XX/XXXX. My property was foreclosed on by the XXXX in early XXXX. 
DiTech has been sending me monthly invoices requesting payment of the HELOC. I notified them ( at the time they were Green Tree. DiTech responded to my letter ) in writing in XX/XX/XXXX, that I disputed the validity of this debt and did not acknowledge that I owed it. I also reminded them that the CA statute of limitations was 4 years and had passed. I received a letter that basically blew me off and they continued to send invoices. 
I filed complaints in NYS and CA, as well as with CFPB ( Case # XXXX ). Invoices are still coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Last month, my husband opened a new credit card account with Chase. Because it has a cash back reward feature, we have been using the card for all of our daily purchases and paying it off immediately as we go. Somehow, something in our use flagged as fraud with Chase, and triggered a call from the fraud department ( which is fine ). However, we found out about this not because Chase called *us, * but because they called my husband 's mother. We have no idea how her phone number came to be associated with this or any other Chase account we have ; we have been married for 4 years, she 's never been an authorized user on any account with them, and he did not give them her phone number as contact info when setting up the account. Nonetheless, when they reached her, they gave her ( a third party ) detailed information including the fact that we have an account with them, the type of card, and what the situation was. 

My husband is in his late XXXX, and we never authorized any information to be given in this manner to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My spouse and I both have student loans that are serviced by Navient. I co-signed for my spouse 's loans. My spouse is an XXXX XXXX XXXX who had a portion of his loans repaid pursuant to the XXXX loan repayment program. In XXXX XXXX, Navient misapplied a payment received from XXXX and mistakenly paid down my loans instead of my spouse 's loans. The mistake was discovered in XXXX XXXX. To correct the error, Navient removed the XXXX {$30000.00} payment that was applied to three of my loans. It has not yet credited my spouse with the {$30000.00}. The issue I have is that Navient has now put me in a delinquent status ( having allegedly missed 33 payments even though no payments were due XXXX. They " may '' have assessed late fees against my account dating back to XXXX, and have also assessed interest dating back to XXXX. That is not right. Navient made the mistake in XXXX, and now they are asking me to pay for it. Had they not made the mistake, I would have been making payments and paying off the principal and interest. My account history for the loans shows no activity between the time the XXXX payment was misapplied and now, so I have no idea what their reasoning and legal authority is for placing the financial burden of their mistake on me. I am assuming Navient will reapply the {$30000.00} it received from XXXX in XXXX to my spouse 's account, but I question the manner in which they will do it. They should back date the payment to XXXX and only charge interest going forward from now for the corrected balance, but we will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am extremely upset of the way Bank of america has handle my loan. I have submitted all the required documents to be provided a modification. However ; Bank of America keeps asking for documents for a property-XXXX XXXX IL XXXX. This property does not have to do anything with the property I am trying to modify. Which is- XXXX XXXX IL XXXX. Bank of america is prolonging my case making me fall more behind. Bank of America never offer me a settlement either. At this point I dont know what else to do because like I have mention Bank of america keeps asking for documents for a property - XXXX I have explain Bank of america that I only co-sing for my son for the property XXXX. My son is the one who pays the mortgage for that property I am trying to safe my property XXXX. My intentions are to keep my house and to become current with my mortgage once again.

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 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I had a house fire. XX/XX/2017 the insurance company finally sends the undisputed amount. I signed and sent it off to my mortgage company. I 've been reaching out to them for two weeks. I asked that they send a third of the XXXX so me and fianc can start demo disposal and start and complete the roof. Of course we will have help from family and friends that works in this field currently. Being that the undisputed amount is n't near enough to restore my home so we are having family that knows what there doing come in and help us because we have to try and make this money work for repairs until we finish disputing the rest of the funds with insurance company. I advised that I 'm handling this as a owner build and there will be no licensed contractor. They ( the mortgage company ) keeps insisting that I have one and I never signed a contract or a policy in my mortgage stating that I have to have one. Mortgage companies give customers the run around with the insurance money only so they can make interest off the money and make investments with the money being a dis service to their customers. We have been out of our home for four months and was badly damaged with fire. The insurance company not sending XXXX like they should so the longer the mortgage company hold my funds for repairs the longer I have to keep paying rent and my monthly mortgage. It 's causing financial hardship on my family. As long as the house is being restored correctly and is up to code and past all inspections and back to the way it was if not better than it should n't be a problem. Their being bully 's and prolonging the time for me and my family to get back in our home. This house has been in my fianc family for over thirty years so restoring and getting back in our home as quickly as possible is very important to us. I have XXXX and this unnecessary stress from my mortgage company is not needed. I 'm having XXXX ( crisis ) because of the whole situation. The mortgage company is Primary Residential Mortgage XXXX. XXXX XXXX, UtahXXXX XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: MO

Complaint narrative:
I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I filed an online dispute with Equifax after reviewing my credit report, for unauthorized inquiries and an incorrect balance. I previously disputed the inquiries as incorrect, approximately 4-6 months ago, when I noticed there were " hard pulls '' from companies I do not conduct business with. I wrote a letter disputing the inaccuracies, and at that time asked to opt-out of pre-screened marketing. Equifax did take me off of the pre-screened marketing, but they put a fraud alert on my account, which prevented me from accessing my credit report or applying for credit. The inquiries were never taken off, and I was told by an Equifax representative to file a police report, before they could further assist with the inquires. Furthermore, my account balance is incorrectly being reported by XXXX. I filed a dispute with a representative, and was told to send in supporting documentation to assist in the dispute process. The initial case was re-investigated by another Equifax representative, because when XXXX updated the balance, it was still incorrect. As of yesterday, yet another Equifax representative said she was going to cancel my re-investigation ( without my consent ) because it was already updated by XXXX. I advised her that the information was to be re-investigated. She said it was Equifax 's policy to not have more than one open dispute for the same dispute, meaning they are not allowing me to file a re-investigation. Lastly, I accessed my consumer report today with Equifax and I noticed there is a " Consumer Statement '' on my report that was not provided by me. The consumer statement was placed by an Equifax representative and reads ( copied from my credit report ) : XX/XX/XXXX CONSUMER SENT IN DOCS TO VERIFY THAT SSHE DOES CURRENTLY HAVE A XXXX BALANCE WITH XXXX FOR THE ACCOUNT THOSE DOCS WERE SENT IN ON XX/XX/XXXX THE CONFIRMATION FOR THOSE DOCUMENTS XXXX XXXX XX/XX/XXXX. It is my understanding that the consumer statement is a statement from me and not from Equifax. I never requested a consumer statement, and their comment shows that Equifax had proof as of XX/XX/XXXX that my balance was truly at a XXXX balance, yet they did not update the balance, they simply closed the re-investigation. Numerous occasions I have called and received conflicting information from Equifax representatives, and supervisors. When calling in to their customer service number, when I am transferred to their " foreign '' or outsourced phone queue, I have been given such incorrect information, that now I ask to be transferred to a representative in the United States. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Coastal Credit, LLC
State: OH

Complaint narrative:
They are calling and messaging me over 10x a day by phone and text messages and calling me from their cell phones and calling my friends and family talking about my debt. I have asked them over a month ago to stop calling me at my cell phone and was told they do n't have too..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
i reported to equifax that this information on my credit report is incorrect. I even mailed them proof that the company XXXX stated that they made a mistake and the info should have not been reported to the credit Bureau and that they are willing to delete account from credit. Equlfax refuse to remove the inaccuracies from my credit report. When they have received all proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that all Responses can or will be use in a Federal Court. 
1. I Disputed everything on my Equifax Consumer report XX/XX/2017- XX/XX/2017. 
2. XXXX Disputes exact I have n't received I responses yet today is XX/XX/2017. 
3. I Demand everything negative to be removed immediately. And as you can see on the attachments the investigation was way past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS

Complaint narrative:
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.

Company response to consumer: Closed with monetary relief