vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want XXXX XXXX XXXX investegated they are the servicer on our mortgage. 

Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. 

We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. 

We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. 

Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX. 

We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. 

We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. 

We want to hold these corporations accountable for the problems they have caused to our family. 

We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . 
XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. 

Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi, On or around XX/XX/2018, I purchased a roundtrip airline ticket from XXXX XXXX to XXXX, XXXX, for {$390.00} The first half of the trip was fine. 

During the second half of the trip, I showed up to the XXXX airport an hour and a half ahead of the flight. I arrived at the single XXXX desk 1 hour and 15 minutes before the flight, to get a printout of the boarding pass. The desk was unattended. The employee had already left. At 1 hour before the flight, the desk was reassigned to another airline, and the airport refused to let me speak with a XXXX XXXX employee. 

I filed a complaint, and XXXX admitted to the wrongdoing and the negligence and offered {$50.00} to fix it. I said " NO, the flight is worth {$200.00} '', signed nothing, and left. 

I fixed the situation by paying {$800.00} for the replacement flight. 

Arriving back in the states, I filed a complaint with Chase bank. They refused to help, saying that since XXXX XXXX fulfilled half the ticket, they didn't have to refund the money. Since they have arbitration authority, they don't have to do anything, they said.

This is wrong. The contract I have with Chase bank specifically states protection against internet purchases and online fraud. Fraud is negligence, in this case. This was an online internet purchase, and Chase refused to not charge me on behalf of the merchant.

I've since closed all my accounts with Chase, and would like to move forward with further litigation against both parties. The CFPB was created for exactly this kind of abuse. Please do what you do, and punish the parties involved. I can provide whatever evidence is required. The airport also investigated, and found the airline to be negligent. 

I spoke with the airport officials at XXXX XXXX XXXX in XXXX, and they stated that there is a pattern of misbehavior from XXXX XXXX, and there is a constant stream of similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
CHEX SYSTEMS, XXXX, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.

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 2018-10-31 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: NCC Business Services, Inc.
State: NY

Complaint narrative:
I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question NCC BUSINESS SERVICES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: AR

Complaint narrative:
XXXX XXXX, CLARITY, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: AR

Complaint narrative:
XXXX  XXXX, XXXX, XXXX  ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.

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 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question XXXX XXXX XXXX claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account. 
I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account. 

Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants INC are harassing me every day! They keep calling every day asking to pay a debt that I do not owe. I told them to stop the calls but they will not listen. They gave me an account number with at & t that does not even exist. I spoke to XXXX XXXX XXXX in numerous time asking them if I had a balance with them. All the representatives always tell me to ignore the calls and not to share any information with them. I tried to ignore them but they call from different numbers and yesterday they called my mom. I find this very disrespectful because first of all i do not owe anything. Second they are extremely rude and lastly I have never shared my moms information with anything related with me because she does not speak any English. They are definitely violating the debt collections agency rules by contacting my relatives. They are probably getting phone numbers from the internet or something. I need this harassment to stop now. I am afraid they will even mess up my credit because i am not aware of how much information they have. I XXXX  the company and thet have about 345 bad reviews on XXXX and XXXX so they are probably violating a lot of consumers rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Got no response, this Agency have continued to report unverified, and unvalidated information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
And Saturday, XX/XX/2018 I called Chase bank to increase my daily allowed cash withdrawl via an ATM so I may withdraw {$660.00} for that day only. I went to the ATM machine owned by Chase bank in front of XXXX XXXX on XXXX XXXX in XXXX Michigan. I attempted to withdraw {$660.00}. The machine only gave me {$40.00} ( 2- {$20.00} bills ) I saw the machine had only given me two bills so as I withdrew the two bills from the machine I held it up to the machines camera. As I was still at the machine, I called Chase bank. I explained the issue. The escalation department stated that I would have the money back in my bank account within 12 hours. After 12 hours, I did not have the funds in my account. I called Chase bank again and was told that the funds would be in my bank within the hour. I called back the next morning and was told that I would not have the money until Tuesday as the transaction had to go through and not be in the pended state. I received a call on Tuesday, XX/XX/XXXX and was told that the bank had sent a team out to reconcile the machine. The representative from Chase bank informed me there was no issue with the machine and I would not be getting my {$620.00}. I explained to the manager of Chase Bank on the phone that I had held up the money I received and ask them to pull the camera from the ATM. On Wednesday, XX/XX/XXXX I went to the chase bank in XXXX Michigan. I was told by that branch manager that I needed to file a police report and get a subpoena in order to have them pull that camera. When I spoke with a police officer to file a report, he stated that it was not a criminal matter, but instead a civil matter and there was nothing he could do. I asked him to call the branch manager with whom I spoke at chase bank in XXXX Michigan. The police off they said there was nothing more he could do for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRIDENT MORTGAGE COMPANY, LP
State: NJ

Complaint narrative:
I bought a home through Trident Mortgage. It was a HUD home with FHA 203b with escrow repairs. I was told that I needed to gather estimates for the repairs and submit them before closing. I did all that was required and got estimates for approximately {$4100.00}. At the closing table the mortgage broker that I had been working with told me to have the work done by XX/XX/2018 and wrote it in the closing documents. She told me that the checks would be disbursed within 5 days of the inspection, also clearly written in the contract. I completed all of the work and texted her on XX/XX/2018 at XXXX. She responded Awesome and scheduled the inspection. On Tuesday XX/XX/XXXX at XXXX, I texted her that inspection passed and inquired about the money because I had paid the contractor for the work done because they couldnt wait for the payment. On XX/XX/XXXX she texted we got the Ok to release the funds just sent an email to the title company, to see when they can release the funds I then called numerous times and got no answer only a texted saying Ill call you back. XX/XX/XXXX I received a text saying she left a message for the title company. Through the next week I called and nothing but a return text saying Ill call you back. XX/XX/XXXX sent a few texts but no response. Finally through another half dozen calls she answers and says your not getting any money, we gave you a discount on your down payment Please help with this situation, its put me in a very crucial financial problem. She told me what my down payment needed to be and I came to the table with everything she asked me to. I signed the contract that clearly states Ill get that money and even the timeframe and now Trident Mortgage is breaking the closing contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am showing an account reported by XXXX XXXX on my credit bureaus. I have tried to get this removed numerous times without any luck. They are currently reporting as a collection that was included in a chapter XXXX Bankruptcy XX/XX/2012. The original creditor shows XXXX XXXX XXXX. I have never had an account with them nor have I filed a bankruptcy. This information is incorrect and I would like this removed as it is hurting my creditworthiness and my ability to purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I spoke with a bank representative from USAA on XX/XX/2018 who asked me about 2 attempts to use my debit card in another state at a XXXX, and a XXXX XXXX that USAA blocked. I told them I had not been outside of XXXX, SC in the last few months. They stated no problem, and that they would put a fraud block on my account, cancel my debit cards, and reissue them. 

I noticed on XX/XX/2018 that fraudulent charges had posted to my debit card authorized XX/XX/2018 totaling {$3400.00}. Upon further review, I found that a fraudulent telephone transfer was made through someone impersonating me in the amount of {$4600.00} which posted to my account on XX/XX/2018. I do not make telephone transfer deposits, and I do not think I've ever made one. 

I am a Social Security Administration employee who was included in the data breach a few years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief