vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX 2015, I did my online banking as usual for a Chase credit card - Southwest Visa. The due date was on a Sunday, and the bank did not log the payment on that day, but charged me a late fee. I was not aware of this, since I sent my payment on time. But the next month 's payment was more because of this illegal late charge. So even though I paid on time in XXXX, Chase again assessed a late charge. I saw an email alert and called them. After we figured out what happened, they refunded a portion of the late fees, and promised to refund all if I made an extra payment right away. I did that, but when I called, they refused to refund the remaining late fee. So for no fault of my own, Chase charged me XXXX late fees, refunded a portion, but still kept {$35.00}. I have heard of many people having similar problems w Chase, and I have to think there is a patter of deceit by this bank ( never mind on the large scale, but even in small ways Chase finds a way to rip people off ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: TX

Complaint narrative:
Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: UT

Complaint narrative:
ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: Pending Company Match
State: FL

Complaint narrative:
Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I have purchased {$3000.00} in reload packs from the company, XXXX, a subsidiary of XXXX Holdings. 
I have been only able to load {$1500.00} and this only after hundreds of attempts to use the online service. XXXX of attempts result in the same error message, 'We are experiencing technical difficulties '. 
I have made multiple calls to their customer service department and was told, after HOURS on hold, that a customer service supervisor would get back to me. That never happened. 
I need the money I have paid to use this companies service for a medical emergency. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My information was stolen in XX/XX/2016 i contacted capital one as well as my bank and filed a report as well as the police department. I got a final decision from my bank saying the report i filed was correct in my favor capital then closed my account and said it was incorrect which led to me owning them money and it screwing up my credit score i offered to send in the document saying it was in my favor they denied me to submit any documents this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX at approximately XXXX-XXXX, I made an online payment to Capital One Bank ( see attached ) in the amount of {$38.00}. At the time, I was unaware that payments made after XXXX on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( XXXX ) and also been denied a credit line increase with Capital One due to my " late payment history ''. I have had XXXX credit card accounts with Capital One for over a year and never paid late or after XXXX on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX, the practice of posting credit card payments ( made after XX/XX/XXXX on the due date ), the next day and counting it against the cardholder as a late payment is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.

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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN FAILED TO UPDATE ACCOUNT AS PAYING IN SETTLEMENT AGREEMENT AND FAILED TO PROPERLY CHANGE ACCOUNT STTAUS ETC.. 
XXXX. XXXX LOAN NO.XXXX, CORRECT OR DELETE.ACCOUNT DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF 2003 PLEASE UPDATE TO REFLCT NO STSTUS UNTIL FURTHER NOTICE. ( SEE ATTACHED INFO ).

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 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Leading Edge Recovery Solutions, LLC
State: MN

Complaint narrative:
I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Pending Company Match
State: PA

Complaint narrative:
Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, XXXX XXXX

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 2016-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A fraudulent bank account was opened in my name at an address that has never been associated with me. I have previously filed a complaint with the CFPB and was informed by Fifth Third Bank that this had been resolved XX/XX/2014, as they confirmed it was a fraudulent account. Upon going through a recent refinance, I have found out that their {$200.00} collection account with XXXX still appears on my credit report. This has affected my credit score by showing an open collection account that is completely inaccurate. I have jumped through hoops just to prove their mistake and inaccuracy and should not have to go through this again. Please help, as this is now creating undeserved stress on me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.

Company response to consumer: Closed with explanation