vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage is the lender. I have always paid ahead of time for my monthly payments. They changed the monthly amounts due without proper notification. I paid the mortgage but is was a few dollars short because they raised the payment amount. Instead of cashing the check and either passing it on to the next month or contacting me stating it was short, they did not cash the check and reported 30 days late. Not short of proper payment with notification. No one called. No one wrote. There was no way for me to know the amount changed and they refuse to remove the 30 day notice. I have been writing them letter after letter and they refuse to do anything.

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 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
X/X/17 Three, Unauthorized transactions occurred on my checking account, via my credit/debt at an ATM/ATMS according to Chase BANK. 
The following are the transactions from my account with the associated address of said ATM machines. note : ( ive never ben to these address nor authorized my card to be utilized ) XXXX XXXX XXXX XXXX, XXXX TX, ( NO ZIP PROVIDED ) - {$100.00} and - {$62.00} XXXX XXXX XXXX XXXX, XXXX Tx. ( no zip provided ) - {$200.00} Id not noticed the transactions for 2-3 days I believe. 
Naturally, I inquired as much info as I could about the transactions. 
I dispute the charges bc they where not done by me nor my agent nor anyone acting in regards to me Completely unauthorized. 
Aside from my funds not being returned, Im highly upset at the the outcome/disposition of the " so called investigation '' involving said transactions. I feel that if a proper investigation had been conducted, the finding/outcome would have been in my favor .No request to view video footage at the ATM machines nor parking lot video. no merchant call, no visit. 
Based on Chase Banks policy's/ guidelines seem to have been authored with the companys best interest in mind making it unfair for me the consumer.I place my funds in banks because Im told the money is safe, the money is insured. if not for clients insisting on using Chase Quick Pay, it seems that my funds are not safer in a bank verses my home. 
Last point of disgust, whether my pin number was used or not does n't mean I authorized the use of the card. Pin numbers can be guessed. At some point I was asked did I have the card in my passion ... .I replied Yes. However I now believe the card Id had in my position may not have been the card that was used at the above ATM machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I took out money from a Bank of America ATM. Two days later I went take out money and my entire account was wiped out, which was about {$1300.00}. I put a claim in with my bank and they declined it because they had pic of me taking money out that night matched to a pic month earlier. I said OK but what about the 3 transactions after that? can I get a pic of those ones? they would n't give it to me and said I need to get a subpoena. I went down to my local branch and they gave me a copy of the photo and it was another man wearing a hat, dark glasses, mask over the mouth and even gloves ( see pic in the attached documents ). I went to the police straight away and put in a report. the police officer said this is quite common for someone to swipe your details. I have been trying to get in touch with the ACTUAL claims handler that decided to decline my claim, but no one ever called me back. I have tried about 4 times now.

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 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Being billed for XXXX, every month, even after the fee was paid. This bill remains on my bill, and is mixed in with the other monthly bill. I need to have this fee removed from my bill. It was paid, a few months ago.The Navient people told me not to worry about it, that it was a service fee? a one time fee. There should be no such fees on a fed.financed student loan. I also need to have my payment reduced to severe financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA 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 2017-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased this car in XXXX, a XXXX Model XXXX XXXX} I have paid XXXX payments at {XXXX}. This comes out to XXXX My balance to this day is {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Technologies, Inc.
State: TX

Complaint narrative:
this was not a conseted credit inquiry. 


XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX 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 2017-10-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: IL

Complaint narrative:
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You 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 2017-10-17 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: CarFinance Capital LLC, Irvine, CA Branch
State: VA

Complaint narrative:
On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help 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 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX at around XXXX EST I received an alert that my credit had been pulled by One Main Financial. I promptly called XXXX and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call One Main. When calling this number it goes to XXXX. The rep for XXXX Services l gave me the number to One Main FinancialXXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out XXXX One Main Financial is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by One Main Financial at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by One Main Financial and or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On my equifax report XXXX XXXX is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact equifax to dispute online but they are having system problems as well as a data breach issue. My score has dropped XXXX point because of this incorrect, inaccurate reporting. Please help thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been asking for help for years now and WFHM seems to fail to provide an honest review of my file. There is robo signers including notary robosigners, from the trustee to WFHM, there are over charges including late fees, home inspections, escrow fees that add up to XXXX dollars when I pay only XXXX for property taxes, there are over charges of interest payments hidden in the lump sum of the total interest payment due, the default amount included principal payments again increasing the default amount to almost XXXX when my original loan was XXXX. 

My home when I refinance it to my name was appraised at XXXX by XXXX XXXX and my home was owned by my family since the XXXX 's. My family is a hard working immigrant family that their dream of having a home made them work 6 days per week over 12 hours per day. it is unfair that today, I have to be part of the greed of a lender that has no end to their fraudulent activity. 

I have sent the lender copies of the wrongful calculations on the loan modifications and the investor 's guidelines as well as assurance agreement for the pick a payment loans. I have offer to pay the default amount in a repayment plan. I offered in XXXX when I recently had defaulted XXXX to partially cure a debt of XXXX and I ask the lender to add the rest to the principal, they refused to assist me back in XXXX and instead I was put on a non ending loan modification process. 

My house was sold XXXX XXXX, XXXX. The foreclosure laws for non-judicial were not followed, the XXXX XXXX XXXX was ignored and instead the WELLS FARGO HOME MORTGAGE AND THE TRUSTEE DECIDED TO SKIP THE INTERVIEW TO ASSESS MY FINANCES and decided to skip the recording of a new NOTICE OF DEFAULT. instead the trustee decided to use the NOD RECORDED ON XXXX XXXX, XXXX back in XXXX, wfhm decided to skip the interview that was under THE CALIFORNIA LAWS and recorded the NOD UNDER PENALTY OF Perjury. 
skipping steps to shorten the time to foreclose and denying a loan modification when I knew I qualify and can afford my payments is not right. 

THE STORIES FROM WELLS FARGO BANK HAVE NOT ENDED TO THIS DAY AND WE HAVE NOBODY TO GO TO FOR HELP. THIS PUTS MANY OF US IN DEFAULT WITHOUT ANY TYPE OF SAFEGUARD FROM WELLS FARGO AND THE TRUSTEE ARE NOT OBEYING THE LAW I NEED YOUR HELP TO GET MY HOUSE BACK.

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 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
At XXXX XXXX XXXX on XXXX/XXXX/17, I called XXXX to contact them regarding notices of three debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried many many times to get a copy of my credit report from Equifax, to make sure that my information is correct and has not been compromised. I am entitled to a free credit report because I was not approved for a credit line increase in the last 60 days. I only get a 500 server error on their website ( tried this multiple times over a period of 10 days ), and their phone line hung up on me randomly the three times I tried to call.

Company response to consumer: Closed with non-monetary relief