vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.

they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.

I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.

I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.

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 non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was offered a loan modification after a brief period of employment ( 6 months ). The only problem is that Chase did not credit all my payments from before I notified them I was unemployed ( which was 60 days before I was late on any payments ) nor did they credit my payments made during the loan modification process. This means my new loan beginning " loan amount '' was too high. I tried to clear it up with the Executive Office Customer Service Rep but " XXXX XXXX '' was not able to explain the math computation. We went over it for a few months and she had to go back to me for clarification but never was able to. 

I then was provided XXXX XXXX, Customer Assistance Specialist and he agreed to send me documentation and then set up an appointment with an Underwriter who will explain the math. 

I was bullied and threatened into signing a loan modification that Chase fully knew was inaccurate. Chase 1 ) over charged me for a new loan by starting the loan balance too high 2 ) charged me two years of taxes, putting those costs into a 2nd subordinate loan when I was only out of work for 6 months and had paid my taxes via my escrow account and had enough funding in my impound account to cover my taxes. This meeting with the Underwriter never happened. Every time I contact Chase, 1 ) I can not reach assigned rep XXXX XXXX 2 ) he may call me once and I miss his call and he never calls back until I call again for months. 

I would like Chase to Gove over the loan modification math computation showing they have credited all my payments, I would like an accounting for my tax impound account, I would like my account corrected and the loan modification docs the forced me to sign under duress of the threat of foreclosure be cancelled and reissued correctly in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have many inaqiues repeatedly all in one year I have over 40

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX  shows an account open with XXXX XXXXXXXX XXXX   which is now TD Bank. I have tried to resolve this issue but I am getting no where with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I had a loan with Freedom Mortgage ( Loan # : XXXX  ). For the past 4-5 months I have been going back and forth with them about notices I had been getting for a late payment. I called them 5-6 times and showed them bank records proving I was not delinquent and they kept telling me that I was right and that I had never been late. According to the reps I spoke to they had been applying my payments incorrectly causing it to look like I was late. After telling me it was fixed and taken care of numerous times I checked my credit to find out my score had dropped 150 points because they reported me as delinquent. This happened right as I was in the middle of buying a new house. Luckily the new mortgage company had already approved me but this could have been disastrous. They finally got it fixed a month or so later and my credit report was ok until XX/XX/XXXX when they reported me delinquent to XXXX again making my score drop back down. I have filed a dispute and am waiting to get it fixed.

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 2018-03-23 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: FL

Complaint narrative:
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FM

Complaint narrative:
Rushmore Loan Management Services, currently has my home loan and during Hurricane IRMA I was contacted and informed that I am eligible to skip 3 months on payment and that the 3 months payments would be placed in the back of my loan. After speaking the representative I asked repeatedly will this effect my credit, the Rep stated that it would not because of the Hurricane Irma and Fema. They even stated that because I was setup on auto pay they will remove me of that for now and I would have to call back in XX/XX/2017 to get the auto pay back up. But about a month later I started getting mail about loan modifications and late pays, so I called the lender and they stated not to worry about the letters its systematic letters they have me under the program until XX/XX/XXXX. Now just a few weeks ago I went applied for a home equity loan and was told that my lender is show me past due on my payments. I called the lender to correct the reporting and to send me a letter. I have not heard from them or received a letter regarding my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX  they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.

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 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I have been locked out of my account for almost 2 months now. I am unable to reach anyone to resolve this issue. I need access to my account to get transaction information so that I can file my taxes. I have called the customer service number repeatedly. They take down my information and then tell me my request has been escalated. However, the service people say that they have no information on the status of the issue and can only communicate with the technical support staff via email.

I have also emailed numerous times. Now, they no longer respond to emails, but refer you to an application where you can submit your service request. When I access that, I need to be able to access my account to submit my request to get the problem resolved ... .so it is a dead e

nd. I got an email response from a guy abo ut 2 weeks ago, saying he was sorry for the slow response and he would immediately address my issue. However, nothing has come of that and he does not respond to further requests for help. Again, at a minimum I need an acco unt transaction summary for XX/XX/XXXX... I can not file my federal taxes without it. I have contacted the Company both in writing ( email ) and by phone on the following dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - no action to date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/16 I sent a certified letter to this company disputing this charge and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Public notices, There is an innacurate lien reported on my account. I HAVE NO LIENS ON MY CREDIT REPORTS.

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 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, due to Hurricane Maria 's, Chase Mortgage offer a Forbearance plan to us stating that our monthly payment could be stop for a period of 6 months and such payments would be place at back of loan in order to help hurricane affected areas to repair any damages due to the storm. In XX/XX/XXXX I called in to pay my XX/XX/XXXX mortgage payment. I asked the status in reference to the letter stating that the 6 months payment will be applied at the back of the loan. I was then informed that in XX/XX/XXXX, I was not qualified for the Forbearance plan due to the type of loan that I have. I never received a call nor a letter from Chase informing me that I was denied. I was then told if I don't pay the 6 months mortgage payment, I would be in default on my loan, which is over 13,000.00.  Chase at all time had knowledge of my loan type and still misinformed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: FL

Complaint narrative:
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. 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 2018-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. 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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A fraudulent charge of {$160.00} was made by XXXX using my TD Bank debit card in XX/XX/2017. I reported the fraud to TD Bank multiple times and the issue has still not been resolved. 

- TD Bank first told me that they would investigate, but I didnt hear back. 
- I called TD Bank again and was told that I had to resolve the matter myself with XXXX XXXX. 
- I spoke to XXXX XXXX and they told me that I had to resolve it with my bank. 
- I called TD bank again, waited for a response, and was eventually told that the claim was denied because they couldnt find any evidence of fraud, but I could not talk to anyone who actually did the review or made the decision. I was told that I must file a police report at my local precinct for then to re-evaluate the case. 
- I filed a police report, went to the TD Branch and had the claim revisited. I was then told that the claim was denied because, again, they couldnt find any evidence of fraud. 

I believe that TD Bank purposely made me go to the police just because they thought I wouldn't want to spend the extra time and they could ignore my case. 
XXXX XXXX says that they will not talk to me about the details because I should be dealing with the bank. 

TD Bank later said that if I file other requests with XXXX XXXX to force them to give me details about the transaction that they will review it again, but I believe that once again they are counting on me thinking it is not worth spending further time on this and that I will just go away. 

Can you please help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian provides a misleading free trial report which turns into an automatic billing cycle. The worst part is after months of subsequently being charged $ XXXX/month, I am unable to cancel. They provide no capability to cancel online and require that you phone. After choosing the cancellation option via phone, you are put into a 2+ hour queue ( presumably, in hopes that you will give up and not cancel ). There is no call-back option or anything to assist if you are disconnected. After spending hours on hold and not being able to speak to a rep to cancel this service, I concluded my only option was to file this complaint.

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