vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We filed for Chapter  XXXX  bankruptcy in early  XXXX  to save our home from foreclosure. At the time, our mortgage was with  XXXX . During the bankruptcy the loan was transferred to  XXXX  then to  XXXX   XXXX   XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was  XXXX . At this same  time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech  in Fall of  XXXX  to try to have PMI removed.  Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to  Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In  XXXX  of  XXXX , I tried to contact Ditech again and was again referred to t he 3rd  party servicer. They again confirmed my payments were on time and that they had made multiple requests to  Ditech to begin servicing the loan again because my bankruptcy had discharged  in  XXXX . I contacted the servicer a few other times about the change in servicing. On  XXXX   XXXX , I faxed  Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent  XXXX  at extension  XXXX . When she called me ba ck three  days later I missed the call. On  XXXX  I faxed  Ditech  court paperwork from their lawyers stating that as of  XXXX / XXXX / XXXX  our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from  XXXX  at extension  XXXX  on  XXXX   XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  represen ts EMC MORTGAG E  XXXX  both are third party d ebt collectors hav e filed a foreclosure action against my property. I have sent several notices to see attached notices. They have failed to meet the requirements of the Fair Debt collection act.  XXXX   XXXX   XXXX   XXXX   XXXX  have completely responded with the required information that was outlined in my Debt Collection letter. I have since filed suit against  EMC MOR TGAGE  XXXX , now  XXXX   XXXX   XXXX   XXXX   XXXX  is pursuing this same debt represent another Entity while the above-mentioned Foreclosure action is still pending in cour t. EMC MORT GAGE  XXXX  sold the right to the Mortgage in  XXXX   2017,  while they had a foreclosure action against me and failed to answer the debt validation letter. Currently, there is pending Lawsuit i n District Court, that  I have filed agains t EMC M ORTGAGE  XXXX  and Servicer  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX    XXXX   XXXX    XXXX    XXXX  VA  XXXX  Transunion,  XXXX  and  XXXX  will not correct my  XXXX   XXXX   XXXX    account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  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 2017-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen has misapplied some funds on my account and now they are returning all my payments that i try and send saying that im not paying enough to reinstate the loan I have provided proof of all payments and asked for a corrected reinstatment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share.  They said that I do n't need to deposit any money to the account, and they 'll deposit a  XXXX  dollar  gift into the account for me. This  XXXX  dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9  cents higher than it should be. I mentioned it  to PenFed and they conf essed that they do this unfair activity. They add that "  XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple  of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  s agent,   XXXX   XXXX   XXXX        XXXX , and  Nationstar  egregious and unconscionable conduct has been reminiscent of the  XXXX  scandal.   XXXX   XXXX   XXXX   XXXX   's agents have chosen to cover up their wrongs and self-correct opposed to letting the judicial system work.        XXXX   XXXX   XXXX    and  XXXX  scheduled a foreclosure sale on my property after accelerating the note ;  XXXX  was conveyed a Trustee 's Deed ;  XXXX  was awarded Judgment of Possession ; I 've adversely possessed the property after the execution of the Trustee 's Deed ; I filed suit to reverse the invalid sale and stop post-foreclosure eviction which is currently pending,  XXXX  secretly sought to rescind the sale without authority and during the pendency of the lawsuit ;   XXXX   XXXX    XXXX  secretly sought to reinstate the loan during the pendency of the lawsuit after the foreclosure sale and transferred the secretly reinstated loan to Nationstar to collect.     I have filed ov er 70 complaints with the CFPB, the governmental agency that oversees these servicers. My complaint history starting in 2014 documents the Bank 's agents reprehensible conduct. Notwithstanding, there h as only been subsequent acts of deceitfulness, trickery, and fraud after each complaint filed. Understandably the CFPB ca n't advocate on my behalf, but this is good source for documenting the fraud and ensuring the government has  an audit trail o f the consipracy.     I will be filing grievances with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  against  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . These attorneys have lied to the Courts, filed  Court  motions and pleadings with lies embedded ; have concealed information from the Courts such as the alleged Rescission, and has filed affidavits to support the conspiracy. These Officers of th e Court  has violated the Texas ethics rules governing attorneys ' behavior. Attorneys should advocate for their clients, but lying is unethical.     The transcripts and docket entries from  the County, State, and Federal Courts, CF PB records, and other agency 's records will substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid a {$49.00} annual fee for the privilege of a  Santander Bank credit card. Within a month of paying the fee the compa ny locked my credit card account in the interest of " fraud safety '' and would not lift the hold on my account. I called multiple times to verify the charges but the representatives on the phone insisted that I come in PHYSICALLY to a local branch to resolve the issue. A s Santander is  well aware they only operate branches in the  XXXX   XXXX  of the country. I live in  XXXX , applied for the card in  XXXX , used the card only in  XXXX , and continue to live in  XXXX . It is outrageous and unacceptable for the bank to expect me to fly out of state to resolve this issue. I barely got any use out of this card and  Santander has forced me to close my card. I paid the annual fee to use the card for a year, yet Santander did n ot even give me 1 month of use before locking my account. I still do not understand why they did this. Now, they refuse to refund the annual fee because they say that I already paid it. This excuse makes no sense whatsoever. I paid for services and did not receive them. If the bank does not refund my annual fee this is tantamount to theft. This is outrageous and despicable behavior that should not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is the message that Chase Bank sent me yesterday  XXXX   XXXX     2017  and they said that they were going to still charge it even this was done before the account was closed advised account was closed they would send me a bill I paid the overdraft from this account and here 's what it said I will attach a copy of letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CT

Complaint narrative:
I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
During the dates of  XXXX / XXXX /   2014 and until  present, Navy Federal Credit Union have violated multiple debt collection laws to try and collect money from me on owed debt. Navy Federal Credit Union used multiple different deceptive practices to try and obtain money from myself, which include falsely threatening legal action and wage garnishment, contacted third parties and threatened my job and security clearance, misrepresented credit consequences of falling behind on loan and credit card payments, and illegally froze access to my accounts. All of these deceptive practices are a direct violation of  Dodd-Frank Act, and consequently Navy Federal ha s been issued a consent order for the violations I have listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST b e removed immediately to avoid litigation :  1.    XXXX   XXXX   XXXX   XXXX   XXXX    2.    XXXX   XXXX  3.  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