vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I 've had a mortgage since   XXXX   and never missed a payment to date but there was a letter from the bank that stated I needed to pay {$50000.00} in  one  lump sum, but being  XXXX  with nothing more than social security I can barely make my regular bills so i have to get help from my  XXXX   XXXX   XXXX  mother so I applied for a home equity loan because the house is worth about {$300000.00} so i have {$250000.00} in equity and they have been stringing me along for 8 months having me re-fax documentation over and over with no decision on the extension of the loan, then they put information to the credit bureau stating that my payment are late making it impossible for me to go somewhere else than  Bank of America  so its like they sabotaged my probability of obtaining a loan period so the can take my house since there 's only {$50000.00} left on the house that would make their profit around {$200000.00} to {$300000.00} a pretty tempting business deal and I cant say for sure that its their intention but why would they hold me off since  XXXX  without a decision although they did deny the loan and I 'm in the appeal stage and faxing all that information again, so it makes me feel like foreclosure with no out so please help me

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 2017-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX   XXXX  I wanted to explain our circumstances in this situation. My husband had a   XXXX   XXXX   XXXX   and we missed  one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called  one day  saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the  3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the  three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC  lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney,  XXXX   XXXX  had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal.  PNC just passed up the appeal process. PNC  's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to  XXXX . Our lawyer addressed this to  XXXX   XXXX  the different dates. However all these lies did n't matter to her.  PNC  is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house  XXXX / XXXX / XXXX . We won the first judgement and  PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  Case #  XXXX  won judgement  XXXX   XXXX  new  one PNC  still does n't have the legal right to foreclose but Judge  XXXX   XXXX  is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Interstate Recovery Service, Inc.
State: CA

Complaint narrative:
I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed with  Trans Union  on  XXXX / XXXX /  XXXX   inquiries that were not authorized done by  XXXX   XXXX   (  whom agreed in a previous CFPB complaint to delete said entries )  Trans Union  responded on  XXXX / XXXX /  XXXX   only have deleted  XXXX  out of  XXXX  of the inquiries, even though I submitted evidence from the CFPB complaint including a letter by  XXXX   XXXX  indicating that ALL inquiries by them would be deleted. Attached is the  XXXX   XXXX  letter of delete and the deficient response letter from  Trans Union  that did not do what  XXXX   XXXX  indicated on their letter.

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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NJ

Complaint narrative:
Hello - My mortgage is financed through  PRMG ( Paramount Residential Mortgage Group ) . In early  XXXX  I received a letter stating that my loan was moved to a new service provider and that I would be receiving a new loan #. The letter went on to state that all payments beginning with the  XXXX / XXXX /  XXXX   statement should go to the new address using the new loan #, but that payments sent to the old address/using the old loan # would be honored for 60 days. I never received a letter with a new loan # so I sent the  XXXX  payment to the new address using the old loan # . PRMG cla ims they did not receive the  XXXX  payment and refuse to discuss this with my bank. Additionally, they did not mail the new loan #  s  until  XXXX / XXXX /  XXXX  . As of  XXXX / XXXX /  XXXX  , I still have not received my new loan #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I spoke with a representative named  XXXX  from  Midland Credit Management , Inc  on  XXXX   XXXX ,   XXXX  . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On  XXXX   XXXX ,   XXXX  , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped  XXXX   XXXX ,   XXXX   signed by  XXXX   XXXX . I am still receiving collection calls up to  XXXX  calls a day. Some from unknown or unlisted numbers. Also during the call on  XXXX   XXXX ,   XXXX   the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my  XXXX  letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on  XXXX   XXXX ,   XXXX   at  XXXX  EST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 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: FL

Complaint narrative:
I have been paying on a student loan since  2004

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/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 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have called to bring my account current and lower my monthly payment to something I can afford and spend an hour for them to tell me that they ca n't qualify me for a program because my dept to ratio income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am attempting to refinance my home and the mortgage company requested a pay-off form to be emailed to me. I called because of course this function is n't available online. When I finally spoke with a person after being hung up on by the " automated assistant '' they said it would be emailed out to me right away. I still have not received this form and it has been more then  XXXX . I tried calling back and they put me on an infinite hold after I state my name and they see I have called before. I have since lost my home loan rate and will not be able to refinance because of the inability to obtain a  ONE PA GE FORM stating the remaining balance of the loan if I paid it off to be given to the underwriter. I have worked in customer service and have never received as poor of service as I have in the past  XXXX , and not only that they COST ME MY REFINANCE. I have spent months trying to get approved and hundreds of dollars on an appraisal and thanks to  Navient I  am unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted the credit bureau about the  two  debts that are showing up on my credit report that I have no knowledge of the accounts numerous times. The   XXXX   XXXX   XXXX   and  XXXX   XXXX  account keeps showing up on my credit report after disputing them with the somone over the phone and via the internet. Each time they come back and say the debt is vaild and verified without showing proper proof. When I call and speak to a rep the reps tell me to contact the creditors and have them to remove the debt. I was always under the impression that we are not to contact the original creditor because it violates the FCRA for them to tell me to contact the original creditor.

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 2017-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CBNA/The Home Depot  is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

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 2017-04-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: NC

Complaint narrative:
Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I receive my  XXXX  monthly payment at the  U.S. Bank  located at  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX ,  XXXX . Since I had a large number of {$20.00}, I entered the bank and requested they be exchanged for {$100.00} bills. The teller informed me that I had to be an account holder to do that type of a transaction but she would do it this time as a courtsey.???   1 - The  XXXX  account is  US  Department deposit only, meaning that I can not deposit funds into the account. Only do withdrawals and debit purchases, from which this bank gets an income in purchase fees.    2  - This bank should reconsider this policy or their ATM machine disburse funds in larger bills, instead of {$20.00} 's.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation