vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have been attempting to get a Pay Off Quote from PHH Mortgage Company ( https : //www.phhmortgage.com/ ) for almost 4 starting on XXXX the XXXX, I contacted them and spoke with a rep who put in a request on XXXX the XXXX, I then contacted them on the XXXX to request a status as they had not faxed the loan they stated it would be another 24 hours. I contacted them again on the XXXX after not receiving the fax and they said it would be either that evening or tomorrow. I contacted them again on the XXXX, and advised it would be another 24 hours. I advised this was not acceptable and they explained that an internal department was delayed in processing. I then requested to stay on the line until this was resolved and spent the next 25 minutes explaining why I needed this quote this week and it shouldn't take 4 business days to process. The advised no matter what it would be another 24 hours which is what has been stated all week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Financed the buyout of a lease with Honda financial and sent payment on XX/XX/XXXX along with the requested POA and Odometer statements to have the title transferred. Those documents were imaged by Honda Financial and sent as opposed to the originals to transfer title. State of Ohio requires original documents. Lender followed up 3 and sent updated POA '' s and Odometer statements. They documents continued to be lost. On the 4th attempt documents were sent on XX/XX/XXXX with a prepaid XXXX label prepaid by Honda financial in which they provided an incorrect address. The documents were received by another one of their departments, signed for, and lost again. Lender has offered to receive title with Honda financial completeing the top half as required and process title transfer locally. Honda financial is saying that their process does not allow for this even in the event of continued lost documents, providing incorrect information, and making material misrepresentations about the situation. Original payoff was received by them on XX/XX/XXXX and as of XX/XX/XXXX they have not transferred title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My social security number was involved in the Equifax data breach earlier this year or last year. When I found out that my social security number was involved, I went about the steps to claim compensation. Since I already have credit monitoring Services I opted for the cash settlement of {$120.00}. This occurred in early XX/XX/2019. I followed all the directions of their subsequent emails after filing my claim and have met all their criteria to receive the settlement. However it has been 6 months and I have not received any confirmation any settlement or anything regarding my claim. Equifax offered either 10 years of credit monitoring or the compensation and since I already have credit monitoring I opted to get the compensation of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
XXXX XXXX XXXX is collecting an USAA XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2019 I filed a complaint regarding information provided to my credit card Citicard by XXXX  that caused Citicard to reduce my credit limit ( XXXX-XXXX  ). As of this date I have not received any response from XXXX  providing me with the same information they provided to Citicard or whether or not XXXX   corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to CitiCard CBNA at their " dispute '' office in South Dakota requesting the information received from XXXX that prompted them to reduce my credit limit. As of this date I have not received any response from Citi or their Dispute Office.

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 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX for XXXX. I mobile deposited the check on XX/XX/19 to my citizens bank account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to XXXX XXXX. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from XXXX XXXX and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my Citizens account but then took it back out. I was never explained why. I inquired with XXXX  he said there is nothing more he can do. He stated that the person at XXXX XXXX still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. You can see a trail for checks deposited by me from XXXX The  unknown individual at XXXX XXXX has no trail as this was fraud. They have the funds that are supposed to belong to me. I have reached out to all three banks and they all are saying to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WOLFE FINANCIAL, INC.
State: TX

Complaint narrative:
As a buyer I was involved in XXXX XXXX Transaction to  complete a purchase of a duplex subject to 3rd party financing. The lender ( Integrity Mortgage Group or Wolf Financial Services ) had delayed the process and could not get the cleared to close as planned for XXXX of XX/XX/2019. We could not get a clear idea of exact closing date and extended the closing date several times, but I lost the protection from my 3rd party  financial addendum. 
on the XXXX of XX/XX/2019 I was terminated from my W-2 employer and as we got ready to close on the XXXX of XXXX the lender rejected to close on the loan due to unemployment verification they did on the XXXX of XXXX. 
I lost XXXX $ of Earnest Money that was locked in this deal and I consider this negligence from the lender side that caused this loss. 

I am not sure what could be done, but any suggestions how to recover my losses are welcome. I will also contact my RE attorney. 

Regards, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX using Chase QuickPay with XXXX. I sent $700 to a vendor for a used XXXX  XXXX. I was promised that the XXXX  would be shipped out by the vendor but it never was. After a week that I sent out the payment and did not receive a tracking or a response from the vendor. I called my bank Chase to put in a complaint. Chase told me that they would not help me out. I tried to get some sort of verification from them so I could go to the police to file a claim but they refused to give me one. I sent messages and direct requests for help to XXXX  but nothing has been answered. It’s now XX/XX/XXXX and I don’t have the XXXX  or any help from Chase or XXXX  to recover my money. Recently I received a notification that Chase is going to monitor XXXX payments for scams and will be able to block payments. I feel let down by my bank that they haven’t done a thing to protect me when I needed the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MS

Complaint narrative:
Please be advised I have submitted a full short sale package to my lender M & T Bank and we continued to submit all the documents and udpates. The lender declined the short sale after appraisal and stated my listing agent to sell for a full price offer. The appraisal was XXXX I have not been behind long enough for FHA to decline per my default status of the loan. We have been requesting the payoff letter from the Attorney on file and the Lender nearly a month and they would not accept my Authorization and asked that I notarize one to give to them? the property is still in my name I should be able to request a payoff to ensure the listing will pay the loan in full. The buyer of my short sale placed a full offer of XXXX to purchase the property and was sent to M & T Bank and they need to review that as per not helping us to get the payoff.

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 2019-12-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/2019 I disputed with a factual error from my credit an account with XXXX  / XXXX XXXX it came back verified, how can this be if the creditor in dispute sent me a letter of which I will attach with this claim saying that they no longer have this account. So if the creditor in dispute does not have the account why it came back verified, I demand that TRANSUNION to provide me with the method of verification according to section 611 of the FCRA or delete this account immediately.

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 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot is Dual Tracking. 
I submitted a loan modification and on XXXX I was told the file in being reviewed nothing need. I have a sale date for XXXX and I was told that since my file is under review for a loan modification, that my sale date would be postponed, it was currently on hold. 
I called daily to the point where i was told that if anything was needed they would mail me out a letter. 
On Wed XX/XX/2019, I was speaking to Mr. XXXX, and he told me my file was no longer in review for the loan modification. He stated that they closed it out but would look into the reason why, and call me back. He stated he escalated the issue. 
No one ever called me back! 
On Thursday XXXX XXXX I called Loan Depot back and they told me that they closed my file due to not having enough time to review the file. She stated by Law that they need to have the file 14 days prior to the sale date. 
I told her that they did have it, i met that time frame. She stated I didn't as the letter they mailed to me stated that " it can not be reviewed due to receiving the application less than 15 days prior to the sale date. '' I asked her for a copy of the letter to be faxed or emailed and she refused. She stated I need to wait for it to arrive in the mail. 
What this representative stated to me today, contradicts everything that i was told by her and all other representatives. 
The issue I have with Loan Depot is the following : I was told my file was in review and nothing was needed and my sale date was being postponed. I contact an attorneys office today and they stated what Loan Depot is doing is called Dual Tracking. Which means Loan Depot is processing a submission for a loan modification while also pushing the homeowner through the foreclosure process at the same time. 
That is illegal. At this point I feel that I was lied to by Loan Depot as well. The 2 days that I didn't call this is what happened to my file! 
I needed to submit this complaint so that they dont lie and give false hope to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I cant transfer points to my husbands account. According to the terms, we have to live in the same household and have the same rewards program. We meet both requirements. Our accounts are in good standing. 

My husband has a chase sapphire reserve and I have a chase freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/2019 I was alerted to attempted identity theft on XX/XX/2019. I have attempted to place a credit freeze on my account with all three credit reporting agencies. XXXX  and XXXX  make this process very simple and I was able to do it immediately over the phone. Experian send me through an automated phone tree and then gives me a long message telling me to to mail all my personal information to Texas. There is no option to speak with a live person at this agency through their customer service line and no option to speak with someone or to request a credit freeze or thaw by phone. I am not comfortable mailing all of my personal information plus if I can not get a freeze placed in a timely manner or lifted in a timely manner it becomes unnecessarily burdensome. 

It appears experian is making this free government mandated service difficult or impossible to use, forcing people into using their paid credit lock service. I am forced to work with experian to protect my identity and essentially being forced to pay them to do so. I do not feel they are meeting the fiduciary requirements of handling my personal information and should not be permitted to continue extorting the American public through their predatory practices.

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 2019-12-12 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with XXXX XXXX XXXX XXXX who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called Balance Credit. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
I called Equifax, today XX/XX/19, and spoke to agent XXXX. He lied to me and told me that I had to buy a product to update information in my 7 year, extended security alert and order my full credit report. Then he told me I misunderstood him, trying to convince me further of his lie, when I balked at this blatant lie. I spoke with supervisor XXXX, who also refused to assist me with the process. I was denied access to my full report, given no resources to obtain it, and told I had to incur further expenses mailing things into Equifax or faxing more things to them. I'm tired of being ripped off and nickel and dimed on fees and expenses to straighten these issues out that were caused by this company exposing my data. I won't be further extorted of my money. I want an accessible way to update my information and keep my personal information safe which Equifax has failed to do. Frankly they don't know the first thing about any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXX time frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-. During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XX/XX/XXXXuntil someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXXwhere it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on Experian 's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks. 

I'm asking for the XXXX File be removed from my Credit File entirely.

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 2019-12-12 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-12-12 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: CT

Complaint narrative:
Try fixing this problem. But Equifax insisted. I have no contract to these people.

Company response to consumer: Closed with non-monetary relief