vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018 I noticed my account was overdrafted. I transferred funds from a external account to cover the over draft. Before doing so I transferred over a test transfer to make sure the funds where going to be available and there would be no delays. There were no delays as it showed in my present and available funds. I then proceeded to transfer over 100 dollars and again it was showing in my present and available balance. Before logging out of my mobile banking my account was at a positive balance. The follow day I logged into my account and it showed 3 nsf fees. I contacted the bank and they said there was nothing they could do. I escalated it to a manager and again I was told there was nothing they could do. I have called several time and I have been told the same thing. Had I known that the funds were not going to cover the negative balance I would have deposited cash but because my account was in a good standing before logging out I felt comfortable and confident that I was not going to be penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I have contacted XXXX and asked to find out why my credit report was denied. I got reply saying they will contact me by mail. I told them I will send out one more request for up dated report copied sin and provincial card both front and back tones of times. All I keep getting is your request was denied. This is ticking me off. I have paid XXXX XXXX every month for XXXX XXXX and XXXX XXXX now XXXX XXXX. I got other agencies on report as well. I need to know if the XXXX and XXXX XXXX have been reported of payments since credit XXXX has allowed me on program. Thanks.XX/XX/XXXX18 sent mail out again asking for up dated request please send out asap thanks when gotten :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delta Management Associates, Inc.
State: DC

Complaint narrative:
Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.

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 2018-06-26 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: FL

Complaint narrative:
XXXX XXXX  XXXX ( XXXX ) sent credit card bill via email and I missed seeing it in mid XXXX. I also thought I had closed the credit card in XXXX. 

XXXX sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XXXX ). The {$12.00} bill was paid and then XXXX closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a Transunion alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this XXXX credit card. 

I sent an email to XXXX asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask XXXX again to remove the reporting of a late payment from my credit report given the small amount. I realize that XXXX  does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.

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 2018-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX by daughter was in a car accident and her car was totaled. She was not hurt. GM was informed of the accident and our insurance company paid their portion of the loss {$10000.00} and it was credited to the account on XX/XX/XXXX. 

XX/XX/XXXX - I logged into my account and had an online chat where 'XXXX  ' stated the account was paid in full. ( see attachment ), so I thought our obligations were complete. 

I followed up a few more times and each time GM told me they were simply waiting for GAP insurance to process, but my account was fine. 

XX/XX/XXXX - My credit bureau report was hit with a late payment. 

XX/XX/XXXX - I called GM and spoke with XXXX ( id XXXX ) and she informed me that I was late on my payments. This was the first that I had heard the account was not in good order. XXXX admitted GM 's systems were not showing accurate information but I owed $ XXXX/mo until GAP insurance was received. This was the first communication from GM telling me this, and their on-line site did not show this information. 

XX/XX/XXXX - My access to the on-line GM portal was shut down, and I was told that in order to make a monthly payment via phone, GM would charge me an additional {$10.00}.

I was also told that my daughter ( the other co-signer on the account ) still had access on-line. This was not true either ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX and XX/XX/2017 there was fraudulent activity on an account I cloned with my minor daughter. There were fraudulent checks being written and cashed a file was claimed with the bank the bank in essence denied the claim closed the account and is now taking funds from my personal checking and savings accounts. A police report has been filed claims have been filed and the bank continues to remove funds from my account. My account has been overdrawn I've been charged in NSF fees in addition to being left with negative balance and no money to live on. I have received no assistance from the bank they attempted to return some NSF fees and in turn they turn around and took them right back to recover the debt. The amount in question is {$3000.00} removed from my checking and savings account and an approximate amount of {$400.00} - {$450.00} in NSF fees that were charged to my account leaving me with a negative balance.

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 monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : XXXX 30 days late as of XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX shows no late payments. There are clear discrepancies between the credit bureaus in the credit history. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
On XX/XX/18, a certified letter was sent to Trident Management regarding a debt owed in the amount of {$720.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment. I have been disputing this debt for a year now to no avail. Upon further investigation, XXXX reviews, and XXXX reviews, this company has been labeled as reporting fraudulent activity on consumer reports. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Credit Karma, LLC
State: MD

Complaint narrative:
I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change credit karma is not reporting correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My mother wire transferred me money using the XXXX application and my phone number. Neither of us knew that having given my phone number to capital one more then one year before. Also it being a charged off account. They snatched up the money even though it was meant for XXXX XXXX account. How can they just take money not meant for their bank an tell me I don't really have an account it's been charged off but they will keep money anyway. Wow seems really crooked to do that and not have permission from either parties on wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Online Payment XXXX To XXXX XXXX XXXX XX/XX/XXXX Bill payment {$89.00}. I deleted all the payments in the system made to XXXX XXXX. I called XXXX XXXX and asked if they could reverse the payment. They informed me they would bill a {$25.00} dollar charge if they did. I informed the representative that it would be okay. The representative came back and stated he could not or did not want to reverse the payment. I worked for a XXXX XXXX, XXXX XXXX and they have that option in their system. The representative told me to call the bank. I called the bank and the representative informed me that she was unwilling to reverse the charge. I would like to inquire as to why I am not getting proper treatment.The banking institution is Chase Bank. Please assist me I know there are consumer laws in texas and consumer rights. I feel this is harassment and discrimination because of the previous complaints that I have filed with the bank. I have been informed by banking representatives that because I am not XXXX they would not assist me. I have made request for disputes and the representatives are rude and play games over the phone. I called and complained about these representatives and this is the outcome of my complaints. What banking regulations would allow that I consumer not be able to have a charge reversed. Please Assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MD

Complaint narrative:
I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change XXXX XXXX is not reporting correctly

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 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
Whom This may Concern : All three of these complaint 's are tied in together. Our home we feel was unfairly foreclosed on XX/XX/XXXX at XXXXXXXX XXXX at the XXXX County Courthouse. 

1. XXXX XXXX XXXX was the cause of all this. Had they worked with us none of this would have taken place. I would have been able to keep working as a Broker paarttime and kept our payments made on our first mortgage instead of trying to move me and everyone and everything our of a home we built, loved and wanted to keep. 
I put the home on the market for sale in case I could not save our home fast enough, then XXXX and XXXX XXXX XXXX would get their money and we would hopefully get some of the well over {$100000.00} equity we had tied up in the house. We built in XXXX. XXXX XXXX XXXX appraisal came in at {$430000.00}. In XXXX we put a extra {$20000.00} plus my husbands labor and another builders labor into the house. In XXXX I had a local appraiser appraise the house as they once work with XXXX XXXX XXXX. They brought the house in low at {$420000.00}. 
XXXX at XXXX was helping us second week of XXXX to get a loan modification with XXXX XXXXXXXX since the foreclosure was stopped on XX/XX/XXXX. XXXX said she subnitted the 185 plus page documentation to XXXX in the portal on XX/XX/XXXX. 
The next day XXXX calls me and said they had sent the loan to Bay View Loan Servicing. I was told to work through them for a loan modification. All the while XXXX had reset the auction foreclosure date for XX/XX/XXXX. There again tying up our hands from getting a loan modification through Bay View Loan Servicing or  giving us a chance to sell at market value. They killed us by advertising our home up for a starting bid of {$200000.00}. 
XXXX lies when they said I said there were no changes in there letter. I told them there were no changes, except I had another few closings and I still was waiting on my XXXX taxes to be completed by my bookkeeper and CPA. 
XXXX XXXX XXXX  XXXX denied us a loan modification. They said because it was within a 37 day period of XXXX foreclosing. 
I DO NOT UNDERSTAND WHAT BAY VIEW SERVICING WAS DOING WITH OUR LOAN WHILE XXXX WAS FORECLOSING. XXXX XXXX XXXX IS BEHIND THIS. 
our family is devastated. the buyer broke into our home the next day and changed the locks. My bookkeeper was there getting my washer and dryer when they broke in the kitchen door. 
We have been abused. Both banks could have worked with us. i proved by keeping in contact with them monthly and sometimes weekly that we were good creditors. we paid them, fell on our luck a few months and they stole our home. We are noe out of our {$100000.00} dolaars only retirement money we had. 
Bay View called on the XX/XX/XXXX to say they will be in touch. i told them they foreclosed on us. 
Please help get to the bottom of this. 
Respectfully, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As per my FCRA rights, I have been requesting EQUIFAX to add my SSN to my credit file, Raised Disputes Confirmation # s XXXX with them and spoke to customer care rep named XXXX and was being informed just to send Copy of SSN amd Driving License, I faxed the copies multiple times and also Mailed the copies of my SSN and Driving License to them by USPS multiple times. Due to my SSN on being on EQUIFAX credit file for my profile I am not able to get new Phone line from XXXX or any type of Loans where they only use EQUIFAX data. - PLEASE HELP I have below 2 complaints : 1> EQUIFAX is not able to add my SSN in their system even after sending them Multiple copies of my SSN Card and Driving License by Fax and by USPS Mail. XXXX and XXXX credit card companies are directly reprotign my SSN, DOB and Current address to them and still they are not able to add my SSN to their system.

IMP NOTE : SSN is issued one time and it remains same for the person but they keep sayign my SSN is invalid and that is totally wrong. I need proof if they are saying on my SSN I can not have my credit history then why XXXX and XXXX already has it ... Everyone present in USA on Work Permit has similar type of SSN and everyone else is able to see their credit scores and apply for Loans etc ...

2> EQUIFAX is not able to provide me the dispute resolution response their website keeps showing below message.. 

" We are currently unable to process your request! 
The information you have provided does not match our records ; therefore we are unable to process your request online. 

Please try again later or contact us directly to check the status of your dispute. 

We apologize for the inconvenience. '' XXXX and XXXX already has SSN, Date Of Birth and Address on my credit file and they are able to provide my credit report but EQUIFAX is NEITHER giving me my credit report by adding my SSN to file NOR providing any repsosne to my raised disputes as per my FCRA Rights. 

EQUIFAX is falsely claiming that they can not add my SSN on file because it has " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '', All the work visa immigrants in USA have this sentence written on their SSN card and everyone else ( even my husband ) has it written on his SSN and he has credit file with EQUIFAX working normally then why just me and my credit file not being updated with my SSN..? and like I said earlier Credit Card companies are also reporting to EQUIFAX ... 

Here I have attached copy of my SSN, Driving LIcense and Work Authorization along with XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I contacted Wells Fargo to make full payment to bring my account current. I have been away on family leave from XXXX to assist my mother who has failing health in Missouri. I'm behind 4 payments. I told them I was wishing to bring the account current. I was told they would not accept any payments from me because my house was in foreclosure. I have not received any notices what so ever. I went to county recorders office and found no notice of default. I'm really disturbed that Wells Fargo would not choose to work with me during this difficult time. I was told one week ago that they would email me a re-instatement statement with attorneys fees. As of today I have received nothing from Wells Fargo. The last person I spoke with I was told her name was XXXX XXXX at XXXX ext.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