vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a call from Chase Bank 's Fraud Department around XX/XX/XXXX asking if I was trying to spend {$100.00} at a XXXX in XXXX, FL. I said no, I was at home in XXXX XXXX. So they told me there was fraud on the account, and that they'd shut down the account and issue me a new debit card. In the meantime, I was locked out of any online access so I couldn't see what was happening with my funds. 

They told me to expect a new card within 3-5 days, so when a week passed and I didn't hear anything, I went to a branch of the bank on XX/XX/XXXX, and found out then that someone had turned the account back ON after they knew there was fraudulent activity, and the thieves in FL had drained the entire account ( nearly {$10000.00}. ) I signed affadavits saying that it wasn't me spending that money in FL. I also filed a police report. I was told that it could take 10 days to get a credit, and 30 days or more for them to conclude the investigation. 

On XX/XX/XXXX I got a call from Chase asking me to call them back. But when I called back, they said they couldn't tell me anything over the phone. ( Then why in the world would they call me only to tell me they couldn't tell me anything!? ) I have called the Fraud department, I have visited the branch several times. I am still locked out of my account and can't see any funds or transactions, I am unable to issue checks to pay my rent and credit card bill, and I'm growing increasingly frustrated at the lack of communication and transparency. 

I also have yet to hear the results of the investigation in terms of who turned on the account again AFTER there was documented fraud, and what is being done to address that error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ

Complaint narrative:
On XX/XX/2018 I received a " Notice to Defendant '' that a judgment was entered against me for {$12000.00} and threatens to come into my home seize my property for auction. This was made in the town of XXXX XXXX, NJ ( which I do not live or never lived ). The plaintiff Rab Performance ( of  which I have never heard of or have had contact with the company or any of its representatives ) never contacted me before this lawsuit. The amount of debt they are trying to collect is not my debt. I know the debt that I have. I keep a close watch on my credit report as I am paying off debts to raise my credit score. This debt of {$12000.00} is not on my credit report, has never been on my credit report and is not my debt. On the court notice my name is incorrect " XXXX XXXX XXXX '' This has NEVER been my name. I would like for Rab Performance to redact this lawsuit judgment, because this is not my debt. I can issue my credit report to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald Coast Collections, LLC
State: FL

Complaint narrative:
This debt just appeared on my credit. Only information listed is a dollar amount and city of XXXX. there's no account number or any information that i could try to investigate the mater with. I was never notified of the debt by the original owner nor this collection company. The only date I have for this debt is XX/XX/2016. I have no knowledge of this debt, never receive notification from either concerning this debt, I would like legal verification of this debt such as my signature, the original bill with accurate information, and or contract. All correspondence should be sent via this website, and proof should be uploaded via this website. DO NOT ATTEMPT TO CONTACT ME VIA PHONE, EMAIL, OR ADDRESS. I would like for this debt to be removed from all credit bureau.

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 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I have a credit card with XXXX XXXX XXXX XXXX my balance was {$1300.00} I called to say that this was going to be paid in full the middle of XX/XX/XXXX ( i called the begining of XX/XX/XXXX to let them know and they said that would be fine ) and they should have noted my account so I wouldn't get charged a late and have no more charges. I called today XX/XX/18 and they said they couldn't reverse the late fee of {$25.00}, really!!! They got the full amount of {$1300.00} paid in full and they cant reverse a one time late fee??? they are saying that because i had one reversed in XX/XX/XXXX they cant do another one but in this situation the card is paid off and I will be closing account and so they should be able to waive this fee!! Now this wasn't even my fault that it took longer than expected which I had mentioned to person when I called capitol one to get total balance amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 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: Early Warning Services, LLC
State: CA

Complaint narrative:
EWS LLC A CRA HAS SHARED CREDIT FILE INFORMATION, EWS ALSO GENERATED AND INITIATED WITH UNVERIFIED INFORMATION FROM XXXX XXXX. INFORMATION FROM XXXXXXXX XXXX IS DEROGATORY AND WITHOUT EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this 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 2018-10-29 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: CA

Complaint narrative:
Capital One closed my credit account arbitrarily and without notice in XX/XX/2018. I never received a letter and was never sent an email giving me notice that my account would be closed. This was my oldest credit account, and as a result of the closing, my average credit age has suffered and my credit score has decreased significanty. This has directly monetary impact to me due to interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX date XX/XX/XXXX My complaint is with Experian and XXXX credit bureaus the problem is Experian and XXXX   are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with Experian and XXXX, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to Experian and XXXX they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX XXXX attachment thank you your assistant sincerely 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 explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
Amerihome Mortgage. This is a follow up to complaint # XXXX. I will be submitting a letter I received today with the following. After CFPB contacted Amerihome they finally agreed that I did possess a 100 % tax exemption for my property located at XXXX XXXX XXXX, XXXX SC. , XXXX because I am a XXXX % service connected XXXX veteran. The letter states an escrow analysis was completed and I would be receiving a check from escrow overage in the amount of {$3100.00}. I saw the check in my Amerihome online account made out on XX/XX/2018. I called them today as I had not received the check. I spoke to two employees that had no idea what they were talking about, one of  them going so far as to that I would only receive about {$2000.00} because I owed back HOA fees, ridiculous because my HOA fees have never been escrowed are are paid monthly through a XXXX bank credit card. The supervisor, XXXX, who refused to provide his last name or employee ID said the {$3100.00} had been deposited back into my escrow account and a separate analysis said the refund was less over a {$1000.00} because I had to keep a padding in my escrow account of 2-3 months. My insurance is {$27.00} per months and even after the {$3100.00} check is cut there is still a couple hundred in escrow for insurance. Again, this company is taking advantage of XXXX American veterans and more than likely anyone that does business with them. Please, I am asking you to take action against these crooks, their entire staff is incompetent and knowledge of their product and the laws about servicing them is nile. These people are crooks and a federal investigation of their practices should immediately be launched. I finally spoke to XXXX XXXX who signed the scanned letter and she also was unable to provide an explanation. Unbelievable a company sends a letter of resolve and then changes their mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: AES/PHEAA
State: MI

Complaint narrative:
I submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. 
XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. 
Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. 
I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. 
XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. 
I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. 
I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. 
Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX store in XXXX XXXX california on XX/XX/2018. They asked if I wanted 10 % off and a rewards card. I said yes. they said they needed my drivers licence. I gave it to them. THEY RAN MY CREDIT with out my permission. Now I have an inquiry on my 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 non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit report i noticed that XXXX XXXX XXXX is trying to collect on a debt for XXXX $ that is not mines. I do not have a contract with this company or any debt with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On several occasions I tried to get my mortgage company to modify my mortgage. They said I did not make enough money and this last time they said that they did not have all the documentation ( which was not true ) This last time they said I was too far behind. I have been trying to modify this mortgage for a number of years. 
I called the mortgage company to get a copy of the application and Truth and Lending Statement. 
The mortgage company sent me a copy of the Truth & lending Statement two copies of the Truth & Lending Statement one was written in with one set of number and the other had another set of numbers.

So it appears that the Truth and Lending Statement was " fixed '' after I signed at the closing. 

Later I find out that the original mortgage company XXXX XXXX went out of business because of fraud. 
I think Ocwen wanted me to loose my house so I would never find out that there was fraudulent documents.

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 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, LoanCare sent us a letter stating that they were going to be our new mortgage servicer. Our former mortgage loan subservicer was XXXX XXXX XXXX XXXX and they were transferring our mortgage to LoanCare. 

Our complaint is that LoanCare has failed to add our mortgage payment history to the three major credit bureaus ( XXXX, XXXX  and XXXX  ). This has resulted in a lower credit scores and higher interest rates for our two recently obtained auto loans and four recently obtained credit cards, as well as a refusal by another mortgage servicer to refinance our mortgage until this information was accurately reflected on our credit reports. 

We have repeatedly called and gotten in touch via the help center on the LoanCare website to have them add this information. As of today, XX/XX/XXXX they have still failed to do so which is evident by the fact that we just pulled all three credit bureaus reports for both my husband and myself and this data still is not being reflective therein. 

Most recent requests were : XX/XX/XXXX Email from a LoanCare confirming their receipt of our request that they add mortgage payment history data to all three major credit reporting bureaus. 
XX/XX/XXXX. Email confirmation of inquiry regarding mortgage account XX/XX/XXXX. Email stating they received inquiry and are assigning it to appropriate department with ticket number XXXX XXXX We emailed a picture of XXXX credit report showing no mortgage data on summary page requesting that LoanCare review the amount of time weve had the mortgage with them and report accordingly to all 3 credit  bureaus. 

There are other disputes with this lender as well but it would be too lengthy to address all of their failings here.

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 2018-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc.
State: OH

Complaint narrative:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XXXX though XXXX. Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the futrure Sterus would have to send the debtor notice of intent and Seterus has never done so. Setrus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have requested on the loan since XXXX. When the loan was sold or transferred to the new investor XXXX  and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is continually reporting the account XXXX XXXX XXXX XXXX XXXX on my credit report as an accurate verified account. This is a fraudulent account, which Experian has received able legal documented documentation that this is a Fraudulent account and has relied on XXXX XXXX XXXX XXXX XXXX to verify its accuracy. Experian is also aware and has been put on formal notice in writing as well that legally when requested a creditor must disclose and provide a copy of application document with signature used to open the disputed account, or they must remove debt from affected party 's name and information, also their credit report. None of which has occurred. It's the law under the Fair Credit Reporting Act, and I'm asking that Experian at least adhere to the law. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2016, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

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 2018-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
Every year when I re-certify my XXXX XXXX for PSLF with XXXX XXXX, they get the payment count wrong. This year was the same. On XX/XX/XXXX my PSLF XXXX XXXX was re-certified, and they told me I have 60 qualifying payments for one group of loans, and 59 for another. These loans are consolidated and should both show 60 qualifying payments. It is under review, but they can not provide a time frame for when I can expect the number to be corrected. It should not take so much effort on the part of the borrower to keep tabs on XXXX XXXX to do their job correctly and provide correct payment counts. Since they became my servicer several years ago I have spent many hours on the phone with them, emailing them, and carefully documenting everything to keep everything on track. The poor quality of their service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
After much difficulty and back and forth, I closed on my refinance on XX/XX/2018. Two days after the closing, the lender informed me there was an issue with my cash at hand, as they did not include my pension from NJ. I was not informed that my pension was excluded until two days after signing the closing documents. By the time I could coordinate with NJ pension system and get proof, it was XX/XX/XXXX. On the XXXX I was informed that the money was released to the title company. On Friday XXXX I was told a check would be overnight to me. Today is XX/XX/XXXX and no check is arriving today.

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 monetary relief