vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: CA

Complaint narrative:
I have been in an active review with my lender since XX/XX/XXXX. There was no active foreclosure sale date every set, as I was told proceedings were on hold. The lender requested additional documentation around XX/XX/XXXX to where I then came home to a notice of sale on my front door. I do not understand why there is now an active foreclosure sale date without my lender resolving my issue, or at least providing a decision first. I do not believe they are following guidelines and as a homeowner I have my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCORPSOUTH BANK
State: OH

Complaint narrative:
I felt overwhelmed with the process from the start and asked all parties to also include my fiance and gave them permission to speak to him about my loan as he is from Mississippi and I am not. I am a single XXXX XXXX female with excellent credit, and I have never been late on my past mortgage. I retired from the XXXX XXXX XXXX after 30 years of service at XXXX years old. I paid my mortgage on time for the past 16 years, Now I am planning to get married and purchase a place in the south. My realtor suggested that I use Bancorp South, I figured they were a local bank therefore there should be no problem. We researched different loans and wanted to go USDA RD as they have other programs that we are interested in. I looked at the USDA website and found that Bancorp South was a preferred lender. At this time We feel that Bancorp south has dragged this loan process out, and have not treated me fair. <P/>
On XX/XX/XXXX I applied for a Mortgage with Bancorp South, I wanted to do a USDA RD loan because I am purchasing 27 acres with a 3bd/2ba home to an rural area and USDA is 100 % financing. I submitted my documents as normal, I was told that I would need a significant down payment because of my DTI ratio for an FHA, so I decided to use part of my deferred compensation to payoff my current home on XX/XX/XXXX.
I did everything that was asked, I sent given the seller {$1000.00} in Earnest money, the bank wanted a copy of the cleared check and the account statement that showed it cleared, I sent that. I was asked to complete a payment form with a credit card to pay for a {$470.00} appraisal, I paid for my appraisal on XX/XX/XXXX to Bancorp South. Then the loan officer started to ask for the same documents over again, I sent them in again. I sent in my mortgage payoff letter from XXXX XXXX, and the bank account statement showing the cleared paid mortgage and on XX/XX/XXXX I received a call from Bancorp South wanting to do a 3 way call with XXXX XXXX to ask if the mortgage was paid off and there were no late payments, the Bancorp south person asked the XXXX rep., the questions. Today someone has contacted my realtor to verify that she is whom she states she is, Why, I am the person buying the house. I feel like the bank is stalling on underwriting my loan, there is no reason it has taken this long I am due to close tomorrow and the loan is not in UW still. The bank always calls after normal work hours, when I am home and available all day to submit whatever they need immediately. I wonder would a male white would go through this if the situation was different.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: U.S. BANCORP
State: TN

Complaint narrative:
I recently received a response  from U S Bank mortgage. I would like for them to provide me with the interest statements reported to IRS from  XX/XX/XXXX - XX/XX/XXXX . I 've pulled all of my tax transcripts. I never received them to file returns. I am trying to take care of IRS. U S Bank Mortgage was added to the bankruptcy court on  XX/XX/XXXX  when  I filed. I filed bankruptcy due to the fraud acts. I needed the courts to sort everything out. I need all of my interest statements on the property at  XXXX   XXXX   XXXX   XXXX . I 've pulled all of my transcripts from   XX/XX/XXXX - XX/XX/XXXX  wit h IRS. A series of payments was made to US Bank Mortgage, different account numbers. The payments was made by  XXXX    XXXX   XXXX   &  XXXX   XXXX . {$100000.00} was sent to US Bank Mortgage o n  XX/XX/XXXX  fr om  XXXX   XXXX . My account was used I had with  XXXX   XXXX , via  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 2017-07-06 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: AES/PHEAA
State: MO

Complaint narrative:
In late XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in XX/XX/XXXX. They were able to defer my loan and I would be all set. Come XX/XX/XXXX I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with Fed Loan Servicing ( who manages the loan for Dept. of Education ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have written and called Infiniti Financial about my lease multiple times. They had lost a payment of mine and then cashed it 2 weeks later. I sent a copy of the check that they cashed clearly showing the date I sent it and the date that they cashed it. They put a late fee on my account. I called to discuss it again, They still did not fix it. They sent a report to the credit bureaus over this which ruined my 25 years of perfect credit. PERFECT CREDIT. I then sent letters with proof to Infiniti again and also to XXXX. Infiniti then changed their story stating that it was a different month that I was late. A different month then they reported to XXXX. I then sent proof that I paid that month on time. They still did not fix my credit report. I paid their leases for 6 years on time. I had perfect credit for 25 years. I believe this proves that they should fix their mistake. Losing a customer of 6 years because they are incompetent seems absolutely ridiculous but this is making me end my lease, leave bad reviews, and seek legal action. They have multiple horrible reviews stating that they give false fees and do not fix errors. They seem to lie instead of having to do the work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was seen at XXXX XXXX XXXX who sent off a XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, I myself paid my bill at XXXX XXXX XXXX on XX/XX/XXXX but XXXX XXXX failed to send me my bill for the XXXX XXXX. I did not know anything about the XXXX bill so they decided to send it to SCA Collections in XXXX of XXXX. I have just now found out about this in XXXX XXXX when my bank ran my credit for me in order to do a car loan. I immediately called SCA Collections on XX/XX/XXXX and asked what my collection was about and why I never received anything in the mail, they informed me to call XXXX XXXX ( when I did they originally had my address wrong along with the spelling of my name ) I then called SCA back and they also had the wrong address and name. By that time I called XXXX XXXX back to see if they could figure out anything for me and they told me they do not keep records in there facility and that they would have to do more research and contact me back. I took a day or two to see what they found out and they told me they could not give me information other than the fact I was seen in their office and the lab was sent off. I called XXXX XXXX back and asked them once again why I did n't receive a bill and they told me they had sent bills out from XXXX XXXX to XXXX XXXX, once again I informed them I had never received a bill. After going back and forth with both facilities I decided to call SCA to see if I paid the bill if it would come off my credit and they have stated that I would have to wait 30 days. I am not willing to wait 30 days for something I never knew about so I called XXXX XXXX back and gave them the information where I paid off the Collection Agency and asked if they could call their collectors to get it off, they rudely informed me there was nothing they could do and that it would take 60-90 days before anything could be done ( Does n't add up to the collection agency saying 30 days ). None of these companies have been willing to help me out knowing I have never received any statements or phone calls about having a debt.

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 2017-07-06 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: MO

Complaint narrative:
In lat e  XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they we re doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by 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 2017-07-06 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: MO

Complaint narrative:
In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: MO

Complaint narrative:
In late   XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew wh at they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by 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 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Focus Holding Company
State: TN

Complaint narrative:
i had a Bill with XXXX XXXX cable that i paid in full. they sent the account to collection by fault of their own. the company that now has the debt will not update my credit report and the account does show paid in full, but they wo n't remove the collection after stating they would. i have tried multiple times to ask them for a letter of the debt being paid in full but they never return calls or answer their phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

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 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I went to my local chase bank atm to pull out my monthly fixed amount of XXXX . But This time when I put in my card after I had gone through my normal button routine, something went wrong ... Instead of giving me my money the atm machine had a message that read " Having problem printing receipt, try again later '' and it printed a receipt with a sequence number. I couldnt do anything because this was XXXX on a saturday, and they were closed. The date was XX/XX/17. So on monday the XXXX, I went inside the branch to get some answers. I figured they could see the atm info and see I never got anything. But no they couldnt help me besides telling me I had to file a claim on XXXX. Which is the state of washingtons government assistance agency. Like I had said I am on a very limited fixed amount each month and the bank had just taken it all from me.

Company response to consumer: Closed with explanation