vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On   XXXX   XXXX   XXXX     i   XXXX   XXXX   send a quit pay money transfer of  XXXX  $ to my siste  XXXX   XXXX   XXXX   using her email address which at the moment was in her account but not link to the quit pay system of   XXXX   XXXX   XXXX  . My sister when we notice the mistake when to her back and link the email to the account mean while i call chase bank to see if we can cancel the transaction since the money was already take out of my account and never got to its destination, Chase bank claimed that the transaction could n't be cancel because   XXXX   XXXX   XXXX   already took the founds and put it in a limbo account where they put all the transactions with any mistake.After that my sister try to get her back to deposit the money into her account with no success because   XXXX   XXXX   XXXX   now claims that the found needs to be taken back from chase to return to me  ( it has not happen yet ). Its going to be almost a year now since that happen and me  and my sister have file some many complains to each bank and they only keep bouncing the ball with no intention to find any solution. As now i just want a agreement between both bank to get my money back in my account or deposit in my sister account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with. This collection agency has stated that I owe them {$1000.00} and is continuing to ruin my credit file. I have asked them to send paperwork bearing my signature for this supposed debt, stating there is a contract or I have an obligation to pay this claimed debt. I do not know who " AD  ASTRA RECOVERY SERVICE ''  is, nor do I have any type of contract with them that I am obligated to pay them or owe them money. This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I allowed my son 's girlfriend to use my social number to get her vehicle fixed. She got a loan from  XXXX   XXXX  and took out a loan for  XXXX  and said she would pay it back.   XXXX   XXXX   will not give me any paper work on this account and they said they are a paperless company and will not send out paper work, I have no paper on this loan. Do not know what was done to her vehicle or what the amount of the repair cost.

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 2017-05-18 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: TN

Complaint narrative:
I sent in a certified letter to Equifax on  XXXX   XXXX ,  2017 . It contained an ID Theft Affidavit, a police report, my ID, and all pertinent information. An investigation was done and   XXXX   and   XXXX   removed the fraudulent account. However, Equifax refuses to remove the account. They are destroying my credit life in clear violation of FCRA laws. They are to remove the information and block it. They have passed 30 days and they refuse to remove the fraudulent accounts in clear violation of FCRA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar increased my MONTHLY payment from {$1400.00} to {$1500.00} for the last 6 months although they say my YEARLY e scrow has only gone up about {$150.00}. They have no explanation for why I 've already paid  XXXX  more than last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brennan & Clark, Ltd., LLC
State: UT

Complaint narrative:
I received my first call from this company AFTER they contacted my former in-laws and gave them information about my supposed debt. My forme r MIL ...   former by 7 years ... .called me with the number to contact  XXXX   XXXX   at Brennan and Clark . She told me that   XXXX   claimed she was an attorney and that   I needed to get this squared away so I did n't get taken to court. This was the FIRST TIME I HEARD OF THIS COMPANY. How incredibly embarrassing. This debt is a recent debt from a car insurance company that cancelled my insurance. I called  XXXX  back. She apologized right away for giving away my personal information to " secondary contact ''  ( former inlaws ).  She knew right away that what she did was not acceptable, and illegal. I have NO idea where she got their information ... from a   XXXX   search of my name? This is when she got my phone n umber ( a number that has been the same for nearly 4 years ). This was under four weeks    ago. When she spoke with me, once again, she claimed she was from an attorney 's office. The debt is obviously mine and instantly I said I would pay half the debt within the hour and that she could call me to pay the rest in  one  month. She has been relentlessly calling while I 'm at work, for several days. She has le ft two add itional voicemails to " fix my debt '' but today left a threatening voicemail that their lawyer will contact me if not " fixed by   XXXX   XXXX  . '' I immediately called back and asked her if she worked for an attorney. She said no. I asked if she were part of an attorney 's office. She said no. I asked if any attorney 's worked in that office. She said no. She said she believes that a department works with some type of legal services. At that point she would no longer answer any of my questions and tried to send me to her supervisor. He did not pick up but his phone but his extension is  XXXX . I called her back to get more information but she will no longer pick up. Her phone number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Quicken L oans sent me offers for a refinance loan product after I submitted promotional opt-out information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My lease started on  XXXX   XXXX  and it was supposed to end on  XXXX   XXXX  bu t GM Financial took me to collections o n  XXXX   XXXX  and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due  XXXX  and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I terminated a rental lease for serious medical reasons with the understanding, according to their contract  XXXX   XXXX   XXXX   XXXX  that they will work on renting the apartment as soon as possible. I agreed and offered to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitig ate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the   property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.

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 2017-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has reinserted a XXXX XXXX XXXX account that was previously deleted from my report in XXXX 2016. This account was deleted from all three of my credit reports after it was confirmed that it was not mine and the bureaus completed their investigations. The account number is " XXXX ''. For almost four months, this collection account was not reporting on Experian until I checked my credit again on XX/XX/XXXX. This account is now back on my credit report with the same past due balance. This is not accurate information and I do n't understand why this is happening if it was already deleted. I know my rights under the Fair Credit Reporting Act. One of the consumer protections in the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ) requires the credit bureaus to notify me in writing not later than 5 business days after the reinsertion of an account. I did not see any such notice from Experian addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
I sent  XXXX  different transfers to a fraudster   XXXX   me. I sent  XXXX  on  XXXX  and  XXXX  on  XXXX . I used moneygram and they said they could not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX   XXXX  , a sub-mortgage-servicer to CitiMortgage, will not honor payment of {$10000.00} for my HAFA request ( see attachment  XXXX  denying my HAFA request. ) My submittal of my all the HAFA required paperwork was originally received by the previous CitiMortgage sub-servicer,   XXXX   XXXX  , on   XXXX   XXXX   XXXX  ,  ( se e attachment  XXXX  from  XXXX  acknowledging the receipt of my HAFA submittal. ) I have a sale in the process for closing at the end of   XXXX   XXXX  .  XXXX  insists that my HAFA documents are not valid and I am not qualified for the program. The HAFA program itself ends   XXXX   XXXX   XXXX  . The last date to submit the completed HAFA paperwork and other documents, was   XXXX   XXXX   XXXX  .     It seems t he paperwork exch ange between the two mortgage serving companies did not complete properly either because   XXXX   did not properly transfer all of my records to  XXXX  ... or  XXXX  has not successfully loaded them on their system.     I have already contacted Making Home Affordable who services  HAFA fo r   XXXX   XXXX   and last spoke with them on   XXXX   XXXX  . The person I spoke to was unsure of why  XXXX  will not honor my HAFA request and could only speculate. They told they will continue to research and investigate.     I have looked over the  250-page onli ne docume nt on the HAMP and H AFA program  rules MHA told  me about. I did not see anything that referred to how my HAFA was terminated.       XXXX   XXXX   nor   XXXX  have been  able to show me the documented rule that excludes me for qualifying for my HAFA payment.     There seems to be much confusion between  XXXX  nad  XXXX  as to what the actual rules are ... and the rules they " think '' are correct.     Any help will be much appreciated ... 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 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC
State: OK

Complaint narrative:
XXXX   XXXX  called and left a message misrepresenting themselves as  XXXX   XXXX  for the civil litigation dept and that I will be served papers within 5 days. I called them back asking for  XXXX   XXXX  and the woman that answered the phone started asking questions and I told her that I have an attorney handling my debt consolidation and told her when I would be home next week to have the papers delivered so that I can forward them to my attorney. She then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or "  Security Finance '' ac cording to my caller I D ). I  did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine.     First call occurred on    XXXX  -2017  at  XXXX   XXXX  EST.   Second call occurred on   XXXX -2017 at   XXXX   XXXX  EST.

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 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My mortgage went  to Navient fo r a  Student Loan  payment in the amount of {$1200.00} on  XXXX / XXXX /  XXXX   by my web bill pay service. I calle d Navient for  a refund and they said that they would not be able to give it back because my {$150.00} payment was late. It was sent to my mortgage who in turn gave it back in  two days so that I could give it to Navient, which I did. My mortgage payment was due on the first, I advised Navient of this and they said it could take 5- 10 days to ge t it back but they would expedite the service. My mortgage was late on  XXXX / XXXX /  XXXX  , and I still have not gotten the {$1200.00} back from  Navient al though they have pulled the money from my student loan account 15 days ago. So I can not pay my mortgage and my student loan is getting interest on {$1200.00} less because they have removed the payment but have not given it back to me. I am charging them {$170.00} in fees associated with not returning my payment in a timely fashion although they pulled it from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I terminated a rental lease for serious medical reasons with the understanding, according to their contrac t ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered to pay  the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,   XXXX   XXXX   XXXX   understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the  Landlord fai led to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.

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