vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Money Management International, Inc.
State: MI

Complaint narrative:
Started doing business with MMI in XX/XX/XXXX as a debt management program. They told me that my creditors agreed to stop reporting late payments to credit bureaus and that was false. Creditors were still reporting as late. I called and requested a refund for the monthly service fee due to the inaccuracies of their promises and they refused.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Ability Recovery Services, LLC
State: MD

Complaint narrative:
XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance

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 2017-07-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: AR

Complaint narrative:
My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other  2 c ases have been closed with no results. In  XXXX  they sent a packet with old pay off information from  XXXX  of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
<P/>
Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
<P/>
I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Caine and Weiner many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XX/XX/XXXX, and again XX/XX/XXXX. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX. I asked for who the name of the person was that they spoke to at XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Caine and Weiner and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Caine and Weiner. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.

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 2017-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
in regards to this previous case # XXXX. I just faxed the pervious paperwork the XXXX XXXX which she never called me back or told me that I was missing something. I faxed the paper work to her on XXXX2017. I am faxing you the same paper work and you will see that I did faxed them everything and even my pay stubs and banks statements to them. they keep saying that I do n't sent them the information but is false statements. they do n't answer their calls and they do n't even answer their mail and just at the last minute they make the customer wonder what is going on.

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 2017-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was charged more than {$6.00} in interest while still bring within my {$0.00} APR period, additional the {$6.00} that I was wrongfully charged was reported as my balance on my credit profile. The {$6.00} has since been refunded however I believe this inaccurate reporting of a balance I should have never been charged with is a violation of the FCRA. <P/>It is important that financial institutions ensure they are not wrongfully charging consumers.

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 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX XXXX 2017 I was notified via a credit monitoring service that Chase Bank had ran my credit report. I called Chase, and verified that this was fraud. They said they would take the inquiry off my report. <P/>The following week, I called XXXX and placed a 90 day fraud alert on my social security number. During this 90 days, anytime someone attempts to run my credit, there is an alert that states fraud has occurred, and to please call me, and it lists my cell phone number. <P/>Since I placed that fraud alert, Chase has ran my credit report 2 more times. The inquiry from XXXX is still on showing on my report, along with 2 more  inquiries. <P/>Chase has not helped whatsoever. I have spent hours on the phone with their fraud department, credit bureau department, and others. <P/>Chase needs better procedures to protect consumers against fraud, especially when there is a fraud alert on my social security number. They also need to be more proactive in removing the inquiries. <P/>Currently my wife and I are applying for a mortgage, and these inquiries have lowered my score, and are causing me to be offered higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
<P/>
XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
<P/>
Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.

Company response to consumer: Closed with explanation