vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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: KS

Complaint narrative:
TransUnion, XXXX  and XXXX  failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.

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 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
i was making payments and i made a double payment to navient. i called to try and stop one of the payments, but they told me to call my bank and put in a dispute for double payment which i did. the next month i tried to make a payment on the website, but i couldnt. i called navient and they told me i needed to submit a form from my bank saying its an active account. which i did twice. i was also informed that i was no longer under the income based repayment plan, and that i could have consolidated my two separate loans into one. I was told i was unable to when navient took over my accounts in 2015. i was told that my other loan wasnt eligible for consolidation and i had to go into forberance numerous times. i was told by the supervisor to submit paperwork to get my loans consolidated and i sent that in over a month ago and navient still hasnt received them and i cant even make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.

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 2018-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
We were in the process of modifying our home loan when XXXX XXXX closed the account. All docs were submitted to her. 
We dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX prior to the foreclosure begging for a postponement. 
These are all employees of Chase out of XXXX XXXX 's office No assistance at all ; Chase foreclosed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
We were working with an attorney to try to remodify our mortgage. The attorney stopped corresponding with us and did not disclose any information to us relating to our property. In the middle of not hearing from the attorney the mortgage company paid the water pollution bill and took over our mortgage.

My Wife and I had to send the mortgage company a letter removing the attorney from our case in order to receive any information about our mortgage.

We would still like to save our home and feel that's it's not fair that our house was stolen from us due attorney negligence/malpractice.

Please help.

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 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Dealer Services repossessed a car from me I contact them to dispute the item off my credit report and they never got back with me. This was a illegal repossession I never received any documents from them after they repossession the car like ( where it was sold, for I can buy it back, how much they got for the car or a letter letting me know it was up for repossession ) the dispute letter listed below ask them to provide proof and all the documentation that this repo was legal

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 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did a balance transfer to my chase card at 0 % interest, and there is also a 25 % interest on purchases.

I proceeded to make a {$10.00} purchase and then make a {$68.00} payment on my card. I all of a sudden had {$0.00} in interest. I called up and they informed me all purchases will accrue interest until the 0 % balance transfer is paid off. So there's no way to pay off purchases until the full 0 % interest balance transfer is paid off.

Nowhere did they state that this would be the case and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: BB&T CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX   XXXX  ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.

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 2018-10-09 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: KS

Complaint narrative:
XXXX, XXXX  and Equifax failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX, Experian and XXXX failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.

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 2018-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XX/XX/XXXX I was serviced a summons at my Florida home, regarding a home in New York that was suppose to be settled in my divorce in XX/XX/XXXX. Ex wife was to do a refinancing or sell to clear me from the mortgage and all ties to the home in question. To my knowledge Nationstar Mortgage company which was and still is the mortgage company, helped my ex wife, supposedly to refinance in XX/XX/XXXX. In via a phone conversation to me by Nationstar mortgage staff, explained to me that I was title free and clear from that home. I have no knowledge of ever signing or approving any changes they made with my ex wife. With this said, I have gotten summons for a foreclosure. I have summon documents to support what I'm stating as well as, Nationstar Mortgage crossing out my name in several pages, made my ex wife sole owner and also put on paper that " I AM NO LONGER ON TITLE ''. My out look on this matter is that Nationstar Mortgage has been possibly misleading, falsified documents and fraudulent. This has put me in a situation that will cost me attorneys fees, lost work due to handle this matter and hurting my credit with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: RI

Complaint narrative:
Flagstar Bank is charging me for homeowners insurance when in fact my insurance has been renewed. They are not making a distinction between a cancellation and a renewal. I think this is fraudulent behavior.

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 2018-10-09 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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late. 

I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.

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 2018-10-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/2018 a letter was sent in regards of the in accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of fraud. A XXXX XXXX XXXX Visa credit card serviced by Synchrony Bank has been opened ( and reissued twice even after my report of fraud ) under by name and address. I have called to inform them and they have more than once continued to allow the person perpetrating the fraud to change my address and also fill out and send in the affidavit of fraud saying to Synchrony that there was no fraud ( when there is ). The company seems to have no interest in resolving the issue as I have reported it several times. This week I received a letter indicating that my claim of fraud has been denied because someone has accepted the charges. That person was not me, and I assume it must be the fraudster. This issue has been going on for several months and we are not anywhere near a resolution.

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 2018-10-09 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: NJ

Complaint narrative:
TransUnion is stating that they verified a bankruptcy with the court. I have supplied Transunion with a letter from the Court stating they do not verify anything by phone fax or email. When challenged again, Transunion stated they used a 3rd party -letters from the Court have been supplied stating they do not verify TransUnion is reporting false information and under FCRA they must remove it

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 2018-10-09 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX  and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. 

I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berman & Rabin, P.A.
State: MO

Complaint narrative:
I received a letter dated XX/XX/2018. I received a call from them on XXXX-18 stating that the original debt owner wanted them to proceed with a lawsuit. I feel that this is harassment as according to their own letter I am still with in the 30 period to dispute the debt in part or as a whole and to have the debt verified. I asked them to call me back on XXXX-18 so I could discuss with my wife to determine our options. The time agreed to came and I decided to write this while I decided to have the debt verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America at XXXX XXXX Florida take my loan and process and assured that my loan is good to go for approval Loan Officer XXXX XXXX. 
The Loan Officer assured me about the approval is done. 
I paid the appraisal fees and keep the loans documents for almost 3 months assuring me that the loan is approved. 

On the end of my contract to close he send me a failed letter. As a results I need to lost money to buy a time to a seller. and start all over the Loan applications as a results my health got affected I suffer anxiety and depressions. 

I Tried one more shot to XXXX XXXX. The loan officer see my document and can not believed what the Bank of America did to me. 

The Loan Officer from XXXX XXXX qualified me and close the home in a right time manner. 

I been banking in Bank of America for 25 years and this bank and has no loyalty on no ethics to there customer not only the Loan Officer did a misrepresentation and lied about my loan. 
I tried calling the manager to ask information about my concern and they said they will give messages to XXXX XXXX and nobody called me I tried again up to 3 times and the same story I received. Until now no apology or word from this bank branch manager or Loan Officer. 
I demand to return my money that I lost on This Bank of America and I will close my banking.

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