vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I brought my home in XXXX XXXX through U.S. Bank Home Mortgage, a XXXX fixed mortgage of {$2900.00} per month. I lost my job in XXXX XXXX and was unemployed for the entire year of XXXX. I applied for loss mitigation with my mortgage company, in XXXX XXXX. Loss mitigation allowed me to temporarily stop making mortgage payments until I found a job. 

In the meantime, I applied for the NJ XXXX program in XXXX XXXX to qualify for a grant to help pay past due mortgage payments. As of XXXX XXXX, I received no final answer regarding approval or non approval of the grant. 

I was approved for loss mitigation from XXXX XXXX to XXXX XXXX. I found a new job in XXXX XXXX but the annual salary is 40 % less than my previous employer. 

Starting in XXXX XXXX, I participated in the bank 's loan modification XXXX trial period until XXXX XXXX. After I successfully made the trial payments of {$2800.00} per month from XXXX to XXXX, XXXX Bank offered me a loan modification agreement. The modification loan is now a XXXX fixed mortgage of {$2900.00} per month. I wrote a letter to U.S. Bank, dated XXXX XXXX, to express my disagreement with changing the loan from 30 years to 40 years. In a letter dated XXXX XXXX, XXXX, the Bank responded the standard modification guidelines require the loss mitigation underwriters to extend your loan term to 480 months at time of loss mitigation review. 

My questions are ( 1 ) is it legal for my mortgage company to change my loan from a XXXX fixed mortgage to a XXXX fixed mortgage? ( 2 ) I also want to know if U.S. Bank has been contacted by the NJ XXXX program and are they providing the program the necessary information to help me qualify for mortgage assistance?

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as Portfolio Recovery. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Chase Card on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I have a 30 year fixed loan with Freedom Mortgage company located inXXXX TX. 
I make payments monthly using my computer and paying online. I refuse to mail my payment for fear it will get lost in the mail. 

I did my usual log on today into my Freedom Mortgage account and it said that there was a payment error! So I thought perhaps I entered my account number incorrectly. 
I tried to input my info again, and I received the same error telling me to contact the office. 

I spoke with a representative and explained my problem. He said that they are not able to process payments that have a XXXX browser. I told him that I have been paying on line for years and have never had any problems. 

I asked him to take my payment over the phone but he said that it is a {$15.00} charge! 

He told me to go find another computer and try it that way!! 

This is not fair to the home owner. They should offer to take a payment over the phone since they are having problems with their systems. 

Thank you

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 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: AZ

Complaint narrative:
I graduated with my XXXX in XXXX. Because of the rigorous nature of the program, I had to take out loans both for tuition, but also for medical supplies and living costs. Because of this my debt is now over $ XXXX. I am on the XXXX plan and because of my low first-year salary as a resident ( $ XXXX ) my current payments are {$0.00}. However, given the nature of the XXXX plan, I will have to pay taxes on the remaining balance, which means I will have to make a monthly payment plus put a certain amount of money away each month in order to pay that tax burden in XXXX. This amounts to {$1200.00} a month for the next 20 years. When I get my raise next year for my second year of residency ( $ XXXX ), this amounts to 24 % of my income which is not ideal nor sustainable. My repayment plan is as ideal as it can get for my situation ; refinancing is not an option because I need the reassurance that I will only have to pay a fixed amount of my income should my financial situation change drastically for any reason. My school is not doing due diligence to lower tuition and other costs to assure that students are able to pay back loans and succeed in their field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

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 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XX/XX/XXXX Trying to put a Credit Freeze on my moms account with Trans Union. She can not talk. I have Power of Attorney, but that takes time to mail in. I  want to add protection, but they refuse unless its her. I do n't want credit or information, just to place a freeze on her credit.

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CA

Complaint narrative:
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TX

Complaint narrative:
In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Information incorrect well 's fargo. I had to wait a year to refinance home they were trying to finance through them ( Well 's Fargo ) so they placed a late payment on my credit. But Well 's Fargo would only allow me to finance through them only. Forcing me to wait a year for the information the reported on my credit report. Information Attached. 
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE WELLS FARGO HOME MOR XXXX Mortgage BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX XXXX XXXX {$0.00} {$1100.00} {$0.00} XX/XX/XXXX PAYS AS AGREED {$0.00} COMMENTS - BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 XXXX XX/XX/XXXX 30 30 30

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.

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 2017-10-19 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: Fedloan Help
State: NJ

Complaint narrative:
I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
There are many inquiries on my XXXX credit report I do not recognize some from XXXX XXXX, XXXX XXXX, Commenity, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon checking my Equifax credit report on XXXX/XXXX/XXXX I noticed multiple unauthorized credit inquiries on my report. I have contacted Equifax, and the reporting companies multiple times concerning this issue with no results, they continue to report inquiries saying they are factual. I would like these inquiries removed from my report. I have listed the inquiries in question below. 
XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX 's XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. City of XXXX XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX credit XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. Equifax XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation