vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ladera Lending, Inc
State: WA

Complaint narrative:
In the beginning of XXXX we inquired about a home equity loan from Ladera Lending. The loan was changed to a refinance and a previous lien on our property was discussed due to a commercial loan for our family company. The loan proceeded without any future conversations about the lien, only noting that it would need to be paid off first. However, after we received the appraisal, the loan was changed, my business debt was added to the loan ( against my request and better judgement ) and the commercial loan with the lien was removed from the refinance list. Still the process continued and we signed closing documents on XX/XX/2018, with a contract that the loan would be funded on XX/XX/2018. However, late XX/XX/2018, we were contacted about the commercial loan with the lien and a denial of knowlege about it. Next, we were asked to contact the company for the commercial loan to ask them to temporarily remove the lien so the refinance would be in the first position but that company 's policy is to file paperwork for subordination. The refinance company said that they couldn't do that, FHA wouldn't allow for it. After several personal and Ladera Lending attempts and conversations with the commercial loan company, over a period of now more than three weeks, the lien is still there and the loan has not been funded. No paperwork for the lien to be removed was ever filed or proper procedure for that to happen was followed. Meanwhile, we were asked to stop automatic payments and not to send in XXXX payments on our mortgage, auto loans, and all credit cards ( including business credit cards ) as they were to be paid with the refinance. We did everything asked of us but now we are being contacted constantly by credit companies, our mortgage is late ( for the first time ever, ) as well as our auto loans. Not to mention the detriment this has caused to my company. A serious payroll delay, 3rd quarter L & I payment, insurance, utilities, and lease payments are among the damages I have been facing during this situation. If the loan will not be funded, we would like to seek restitution for the damage that this situation has caused, including letters to credit bureaus taking responsibility for the late payments. As well as, any legal fees required to resolve this matter. This did not only impact our family personally but also the reputation of a company and business owner.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Victim of scam, no history of large purchases on account, but recently was contacted by loan company who advised to use credit card to buy gift cards for loan purposes and the loan company will pay the balances on credit card. The balances were paid, but the payments made by loan company were all returned unpaid approximately 1 month later. The loan company bounced payment checks after using aggressive tactics to force the purchase of gift cards. The loan company even sent drivers to transport to and from the various locations to purchase gift cards. Obvious scam on a elderly persons account. The balance accumulated from the scam is being charged anf bilked, and the credit has been revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: Diversified Consultants, Inc.
State: MN

Complaint narrative:
Been dealing with diversified consultants once again I need them to verify the debt and not with a itemized bill I need something thats bearing my signature and also diversified is not licensed or bonded in the state of Minnesota to collect the debt please verify my signature and not a itemized bill or else I will proceed to take court action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX XXXX XXXX just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.

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 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On or before the due date of XX/XX/18 I paid off my XXXX XXXX credit card balance. On the next billing statement I received a charge of {$2.00}, which is described as " Fees '' on the bill. I called XXXX XXXX and was told that this charge was for interest, even though I paid the balance in full by the due date. XXXX XXXX will remove the fee if you call, but why should you have to do this? And for those people that don't call, they will either be paying {$2.00} that they didn't really owe, or if they don't pay because they think they don't owe anything ( because they had already paid off the balance ) they will have a {$37.00} late fee for a {$2.00} bill they didn't owe. 

As I understand this practice is known as " double cycle billing '' and is illegal. I request that XXXX XXXX stop this illegal practice. 

Thank you for your time.

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 2018-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Several times in the course of the last year, I have made large lump sum payments to my student loans ( Federal ) which are serviced by NelNet. On the subject line of these checks, I write my account number, and the instruction to " Apply to Loan Group with Highest APR!! '' Despite these clear instructions, NelNet repeatedly applies my payments to the loan group with the LOWEST rate, a fixed rate of under 4 %. I don't care to pay down this aggressively, I'm trying to knock out the 6 % APR debt that is growing too fast. 

NelNet errors in their own favor over and over again. Most recently with a lump sum of {$3000.00} sent in the month of XX/XX/2018. I have just emailed them to have it adjusted, and I'm sure they will comply ( as they have in the past ). But it's criminal that the onus is on me, the borrower, to make sure my payments are applied fairly. NELNET IS RIPPING OFF STUDENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX  but they still refuse to cooperate. 

I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.

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 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Last year I called to have the delinquent status removed from my credit report since my student loans were consolidated to another lender but Sallie Mae is still reporting it on my credit as being delinquent, and this was an account from 2005 that I have consolidated. Can you please help me to remove this delinquent status off of my credit because Im in the purchase of trying to purchase a house and different lender that check my credit for a home mortgage or credit increase are stating that I have serious delinquency on my credit but that was from then that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2018 I Made a payment of {$3000.00} through PayPal for marketing services for my business. I tried getting my money back because there service was never delivered and the merchant ignored me. I tried to contact PayPal and they say they could nog help me and the fraud department could not help me. now I lost money I don't have and PayPal is harassing me to pay my negative balance on my account that occurred because my business partner payed me the {$3000.00} to advertise and made a dispute against me. 

I have tried everything to show that the other company scammed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a debit card in my name from Chase bank, however, I do not, nor have I ever opened an account with Chase. I believe this fraudulent account is connected to a fraudulent tax return that was also filed under my name. When I reached out to the IRS regarding the fraudulent tax return, it was immediately cancelled. However, my experience with Chase bank has been quite the opposite. The moment I got the debit card, I called Chase 's customer service line. The representative told me that their fraud department wouldn't be open until the next morning. When I called the next morning, I was on the phone with Chase for 46 minutes, explaining the situation to four different Chase representatives, only to be told that they would send me a packet of paperwork in the mail. It took about ten days for the paperwork to arrive and when it did, I began to fill it out immediately. They had requested information from me, such as the account number, that I did not have. I called them asking for the account number so that I could submit the paperwork but after 25 minutes on the phone with them, they told me they couldn't disclose the account number over the phone and that I'd have to go to a local branch. I also had questions about the police report they requested which the representative could not answer. I then scheduled an appointment with Chase and when I arrived, the employee helping me had never dealt with a case of fraud before. I made it clear over the phone while scheduling an appointment that I would be there regarding a fraudulent account and yet they set me up with someone that did not know how to help me and could not answer any of my questions. I ended up being able to get the paperwork submitted. A few days later I received a letter from Chase alerting me that the account was overdrawn. A week later I received a statement for the fraudulent account, meaning that it was still open. Then, on XX/XX/XXXX, over a month after I originally alerted them that the account was fraudulent, I got a letter from them that said they had received my paperwork and were planning to close the account " soon '' so long as certain information was not provided that would allow the identity theft to keep the account open. It is now XX/XX/XXXX and I just received a letter that says they decided the account was not opened by me, a month and a half after I requested that they close it. I have dedicated large amounts of time and provided more than the necessary information to Chase in a timely manner. They aided the criminal that stole my information by allowing this account to stay open for far too long. They wasted my time over the phone and sent me to a branch with a representative that could not help me. I may be paying for the rest of my life for Chase 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX. 

At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference. 

In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %. 

Can you confirm if this is accurate? I feel as if we are being strung along.

Company response to consumer: Closed with explanation