vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Approximately two years ago I received a phone call from a representative of XXXX inviting me to switch back to their service. I informed the representative that I like XXXX but I would be moving to a house that is wired for XXXX. I asked if they bundled with XXXX because I did not want to enter a contract that I would not be able to fulfill. My intention was to stay with their service as part of a bundle once I had moved. I was informed more than once and reassured That it was not a problem. When I got to the new house, I told XXXX that I wanted to have XXXX as my television service. I was informed that I would need to do this separately because it could not be included with the XXXX   service. I contacted XXXX to tell them that I would not be able to continue their service. I reminded the person who answered for the company that I had been told that there would be no penalty if I could not continue. 
There has apparently been no effort by the company to listen to the original cold call that I received from their employee Instead they have continued to harass me and insist that I give them almost {$300.00}. This amount was changed to just under {$200.00} today by a credit company that was hired by XXXX to collect a debt. The representative of the credit company told me that I would have no further problems with this debt if I paid that amount today. Even though it felt like extortion, in order to keep my credit Report good, I offered to give them {$100.00} as charity. I was told that there was no possibility of negotiating even one penny below the amount they were able to offer me. They said they were only trying to help me. I can not for the life of me understand how they were helping me unless it was a veiled threat to damage my credit. I always paid my bills to XXXX. This amount they are looking for is not connected in anyway to any service they were providing me. Please have XXXX stop this harassement. If the company insists on an amount for them to stop, I have a offered {$100.00}. It is substantially more than I should be giving a corporation from my retirement income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit report.

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 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The issue i 'm having is with a piece of accounting software XXXX withdrawing money out of my account unauthorized. I signed up for their software to handle my book keeping and payroll for my business. 

Generally speaking, I they do checking account verification via micro transaction verifications. In this case, however, they only withdrew money of my account and never deposited anything. 

The withdraws were made from my account on XX/XX/XXXX for XXXX and XXXX. I reached out to their support today ( XX/XX/XXXX ) and they informed me that they are unable to offer refunds. While I authorized the micro-deposits and withdraws, they never deposited any funds into my account and have thus stolen from me. It 's obviously a trivial amount, but it is unacceptable that they do this to me, and who knows how many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a call from XXXX XXXX on XX/XX/XXXX regarding a theft by check charge. They reported to me that I held a bank account at Bank of America and have not paid back a payday loan. They have threatened to file the complaint unless I make some restitution today. The company is XXXX XXXX, and phone number is ( XXXX ) XXXX. They called from another number ( XXXX ) and when I tried to call that number, it was out of service. 

I do not recall having a Bank of America account in which I took out a payday loan. 

This is the second time I have received a call regarding this charge. 

The first time was inXX/XX/XXXX on XX/XX/XXXX from a process server who then threatened an arrest warrant if I did n't comply. I tried to speak with an attorney who then attempted to make me pay the debt that day. I was threatened that if I did not make a deal that day to pay over {$7000.00} and sign an arbitration agreement then they would file the complaint in Texas ( this company is in New York ).

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 2018-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a call from " XXXX XXXX ''XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and XXXX XXXX  of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to XXXX XXXX was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?

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 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During XX/XX/XXXX, Chase bank closed all of my accounts ( My Chase Freedom Credit Card Account, Chase Sapphire Credit Card Account, Chase XXXX Account ). This happened due to the combination of credit I had outstanding and the amount of cards I applied to in a short period of time ( multiple inquiries ). Add a failed check payment ( that was being sent to Chase Bank to cover a due credit payment ) due to a local bank processing error and this became the third strike according to Chase in closing all of my accounts. I 've tried applying back to Chase on several occasions from XX/XX/XXXX-XX/XX/XXXX with good credit ( XXXX credit score currently ), 100 % payment history with no delinquencies and I have been able to obtain credit cards with every bank I have applied for except for Chase. It appears that they currently have me on some type of Blacklist and they have been unable to provide me with information during my last 3 calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to speak with their customer service line. I am told to re-apply each time I ask to speak with someone from the reconsideration line to inquire how I might be able to establish a relationship once again with them via credit lines for both myself personally and my businesses ( XXXX XXXX XXXX & XXXX XXXX XXXX ). I currently hold 1 personal checking account and 1 personal savings account with Chase Bank for over 6 months along with 1 business bank checking account as well. I has been very frustrating since I have been accepted with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX all within the past few years and Chase will still not accept me or provide a detailed reason outside of previous unsatisfactory relationship with bank in the past. Although I may have made an error on my part in the past, this event had occurred over 4 years ago and I have not made the same mistake and pride myself on having an established, responsible credit history. This entire process has been incredibly frustrating and I have been unable to speak with the proper representative from Chase regarding reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
On XX/XX/XXXX an attorney representing Ditech Finncial LLC., and I reached a signed loan modification agreement. Subsequently, Ditech mailed out modification paperwork for me to sign which was incoorect. The agreed upon principle balance amount was incorrect. The agreement was to have the principle balance of the modification to be {$210000.00}. However, when the paperwork was sent out the principle balance was {$220000.00}. 

On XX/XX/XXXX I called into Ditech and spoke to XXXX at ext # XXXX and informed her of this discrepancy. XXXX acknowledged the mistake and informed me she would request a corrected loan paperwork package be mailed out. However, when the second set of papers were sent out, they were also incorrect ; Still showing the higher than agreed upon balance of {$220000.00}. 

I have since sent Ditech two written qualified requests, asking for this matter to be corrected but Ditech still has not conformed. 

I also asked for the new modified loan papers to only include my name only ( and not my ex wife ) as I have a recorded document with my county ( quit claim deed ) but, again this request also was not complied with by Ditech. 

Finally, in conclusion, Ditech also has illegally kept more than {$12000.00} in escrow overage for more than 3 years. I have sent written requests, asking for the excess overage to be refunded. Ditech has not returned these funds either. It is my opinion Ditech has not acted in good faith on many counts in their dealings with me on this mortgage account. I am including copies of all documentation. Please help me convince Ditech Financial LLC. to act in good faith and honestly to correct my account, without using their predatory practices in the future. 

Thank you sincerly, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage company Ditech has denied me access to government homeowner assistance programs that could help me save my home and have scheduled a foreclosure sale date for XXXX XXXX, XXXX. I started a new job as a XXXX  XXXX with the state of New Jersey a year ago and have been trying to get Ditech to consider me for homeowner assistance options due to a prior delinquency. I was told by their agent over the phone that I qualified. Then I sent in my paperwork and it is repeatedly lost or misplaced and I am transferred from department to department and the assigned account manager keeps getting changed. It has been close to a year and Ditech has failed to actually conduct a review of my current and correct financial information. Instead they have scheduled a foreclosure sale date even though they did not offer me mediation as required by the state of New Jersey. It is obvious that Ditech believes the rules do not apply to them. 

I proudly served in the XXXX XXXX for 21 years and have owned my home in XXXX for 20 years. Once out of the military I worked as a XXXX XXXX XXXX for several years. My hours were cut and I was struggling financially and applied for and was approved for a loan modification. I began making the trial payments on the modification and then got laid off. I scrambled to make my payments but ended up defaulting on the modification. I then went through a rough period where I could not find full time workI collected XXXX and worked part time for XXXX XXXX and I fell further behind on my mortgage. About one year ago I was hired by the state of New Jersey as a XXXX XXXX. I began reaching out to Ditech right after I started, because I was back in a position where I could afford a fair and reasonable mortgage payment. I contacted their office to try and get a review opened of my financial information so that I can fix the delinquent payments, but have been met by obstacles and roadblocks. I was initially told that based on my financial information that I qualified for a modification but then I would send in the paperwork and Ditech would go dark. As mentioned I have been given the runaround by their agents, who transfer me from department to department, lose my paperwork and they constantly reassign account managers. I have never been able to get reviewed. 

I occupy my home with my wife and son and grandson. I fell on hard times due to job loss but have gotten everything back on track and just need Ditech to work with me so that I can save my home. I dont know what I would do if I lost my home. I am not able to reinstate the loan, I need Ditech to stop this sale date and work with me towards a solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they  apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.

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 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.

Company response to consumer: Closed with explanation