vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/15. 

The second mortgage was owned by XXXX who sold it to XX/XX/XXXX who sold it to XXXX XXXX and then it was service transferred XXXX XXXX. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for bothXX/XX/XXXXand PHH who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX is out of business, degree is worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American First Finance, Inc.
State: NC

Complaint narrative:
I had to have my vehicle fixed at a local XXXX XXXX XXXX XXXX and they encouraged me to sign up for a loan. Once the work was completed on or around XX/XX/19 I had to bring the car back the next day and then it died a few days later. I informed the bank and the supervisors at XXXX. American First finance assured me the loan was voided and they returned my money. Now that I am no longer driving that vehicle its at a total loss. They are telling me the loan is not voided. I have contacted XXXX XXXX XXXX XXXX to ask that they return the part .I need help to resolve this issue and get all the recorded calls included. I have been dealing with phone calls between the 2 companies for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX. My mortgage is through M & T Bank. I missed a mortgage payment due to illness. I entered into repayment plan with M & T on XX/XX/19. I was to pay {$1000.00} on XX/XX/19. {$880.00} on XX/XX/19 and {$880.00} on XX/XX/19. I paid in XXXX. I received a letter dated XX/XX/2019 outling the terms of the repayment plan. I received a call from M & T Bank on XX/XX/19. Initially, I was told that the agreement was broken but when I asked to speak with a supervisor, I was told that the M & T worker who made the agreement in XXXX was not supposed to make that agreement. I was asked to enter into another agreement extending to XX/XX/2019. I am concerned that I will get another call in a few days stating that the plan was broken or they made another mistake. I would like M & T to honor the agreement outlined in the letter I received on XX/XX/2019. I can be reached at XXXX. My email address is 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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/19 I was involved as a victim with a gift card scam. I was told by scammers I was under a federal govt warrant for my arrest for social security identity fraud and the distribution of XXXX in XXXX XXXX, Tx. This set the stage for the fraud perpetrated against me. {$7000.00} worth of gift cards were bought by me at XXXX XXXX and XXXX because they told me at the time they were federal agents and my social security number would be canceled. These gift cards were then to be taken to the SSN office the next day so I could have money during their investigation. US Bank credit card was used by me to get these gift cards. US Bank denied offering credit since it was a fraud and I had authorized the charges. I disagree strongly with this assumption stating I felt ad if I had a XXXX to my head as I was being kidnapped for almost 5 hours and I went to store ATMs to get the cash they wanted. My attorney gave me this option to see if US Bank would reconsider and offer the credit. I am a retired businessman who has been with US Bank for over 14 years. A police statement was given and a call to US Bank were made the night of this tragic and very stressful night. Please help!! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm a victim of the XXXX wire transfer scam. The amount I lost through US Bank was XXXX Euro.. Dates of the transfer : XX/XX/2019, amount : XXXX Euro XX/XX/2019, amount : XXXX Euro and XX/XX/2019, amount : XXXX Euro US Bank did the wire transfer without checking the credibility of the other bank which locate in XXXX, XXXX. 

When I found out the transfer was a scam, I recalled my wire and US Bank manager said I can't recall the wire because it's been wired. 

I went to US Bank directly to file this case and yet have no response from US Bank? 

Sincerely, 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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/1969 my information was used in a Equifax security breach and also a medical company had send me a letter offering free credit silive wath for 2 years thru Equifax. My complaint is that when I try to sign up for the free promo. Along with the other free credit monitoring that's offer thru equifax I get a hard time. Reason is that the Equifax office of consumer affairs tells me that I cant enrolled in online services because my filed is handled by them. And I cant do disputes on line either. They block my file from online access. In order to do a dispute when I call them they tell me they have no access to my file and then transferred me to office of consumer affairs. And when I tell them that I'm disputing the negative account with chase and all the hard inquires as fraud .they keep telling me they need documentation like a ssa form from social security administration. I feel they don't need that information. Because they done disputes before in the past when I send in documents. They supposed to have that on file. And also they refused to remove the negative chase mortgage account and the hard inquires. Their violating the law by holding my credit file XXXX saying that my credit report will always be handled by office of consumer affairs. And don't tell me the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been attempting for months to get Chase Bank to correct a negative report ( 30 plus days late ) on my credit report. They have refused to cooperate, claiming the report is accurate ; I filed disputes with the credit reporting agencies, to no avail ; I even retained an attorney ; Chase ignored her letters. The payment in question was only two weeks late, and the reason it was late is due to the fact that my automatic payments needed to be reauthorized, and I was not informed of this fact. Once I realized the payment was late, I immediately phoned Chase to make the payment, and reauthorized the automatic payments. In short, I have acted in good faith -- and Chase has refused to do the same. 

The document attached shows the payment going out on XX/XX/2019 -- the payment was due on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I Purchased a flight ticket from XXXX XXXX   for {$490.00}, but unfortunately i was unable to fly so i contacted my bank to get my money back. So they did and i got my money back. 

A few months later, they send me a letter stated that i needed to show them more information in order for the money to stay on my account. I wasn't able to provide any information since the company XXXX XXXX didn't send me the necessary information until XX/XX/XXXX. 

The station manager has told me that i have to contact my bank in order to get my money back since the bank took the money back and gave it to XXXX XXXX. 

I Have sent them the necessary evidence in numerous letters, but all there response is " our investigation is completed. '' Pretty much telling me that they can't help me anymore even after i have sent them the necessary evidence. 

Can you please help 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 2019-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX 

The second mortgage was owned by XXXX who sold it to XXXX  XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Repetitive phone calls have been made at the dates and times below. These calls have been made to me during work hours and I am unable to communicate with them at these times. They are calling from the number XXXX XX/XX/2019 at XXXX EST XXXX XXXX at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
For 6 weeks I have been trying to receive funds provided by the insurance company to repair my home from damage incurred by Hurricane Florence. Per US Bank 's protocol for fund release, I requested an inspection. The first inspector did not show at the scheduled time but, instead, broke into my home the following day and submitted an inspection of less than 50 % complete. Outraged at the break-in, I ordered another inspection only to have another inspector break into my home 3 hours prior to our scheduled inspection and submit an inspection of less than 50 %. Extremely outraged, I request a different inspection company be provided. The new inspection company arrived on time and determined the home to be 50 % completed. US Bank is now saying that they will not honor the third inspection and will not release the funding associated with 50 % completion. To date I have received around 40k of the insurance money to fix my home. I have been forced to pay another XXXX of my personal funds to keep the contractor working on my home while US Bank refuses to release any of the remaining XXXX of the insurance money despite receiving the documentation required of 50 % completion.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/2019 we received an email from Navient XXXX that a debt was allegedly owed. On XX/XX/2019 Navient XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 Navient XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 Navient XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 Navient Corporation Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. 
I have noticed that a medical account this month from XXXX from Professional Recover. 
This yr in XXXX was the only time I been to hospital to be seen since I had my daughter in XXXX. I have had my identity stolen before. which I have records of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Although I have been contacted in a repetitive manner by phone regarding this debt on the dates and times listed XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST My written request for debt validation has gone unanswered by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
MACY'S/CITI BANK ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT MACY 'S STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM MACY'S/CITI BANK ...

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 monetary relief
Consumer complaint received 2019-10-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank fraud department contacted me claiming UNUSUAL and Unauthorized activity on two Chase Bank credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of JPMChases claims. But These cards are being reported by Chase to my credit report. Chase also believes this account was not opened by me. Therefore, Chase by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by Chase representatives and their fraud department to confirm my dispute. 
1. Chase Freedom Credit Card ending in XXXX 2. Chase Amazon ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: GA

Complaint narrative:
On XX/XX/2019 I contacted Equifax to inquire about my credit file being Flagged / Blocked I was Informed to submit/ FAX documents ( Birth Certificate, Drivers License, Social Security Card, and a current Utility bill ( for current address ) to confirm identity in order to remove FLAG / LOCK. All of the things that one would need to commit Identity Theft. 
As per request, I faxed over the required and requested documents on XX/XX/2019 at XXXX : XXXX Was informed that I would receive something in the mail that would confirm that the documents / fax was received. 
XXXX Tuesday, XX/XX/2019, I contacted Equifax to follow up on my request, on to be informed that Equifax did not have my faxed documents. 
I Inquired about that fax number and the representative informed me that she did not know the number that I gave her. 
Then I requested that Equifax search for the fax ( check the fax machines history and pull the fax from there. While Equifax did not directly say no, they informed me that the only way that they could help me was to resend the fax. In this day and age of Identity Theft and SCAMS, I am extremely RELUCTANT to resend anything to Equifax as CLEARLY they are NOT responsible! 
I am DEMANDING that there be some results and accountability for this issue. This does NOT instill CONFIDENCE on ANY LEVEL!!!! I simply want these issues RESOLVE and for Equifax to be RESPONSIBLE and ACCOUNTABLE for their actions, just as I MUST! 
They need to locate the original fax that I sent and use that. Until then because of their INCOMPETENCE, I must suffer? Perhaps I should charge the {$100000.00} per day for every day they all this issue to go unresolved. OR perhaps they need an XXXX XXXX XXXX for their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XX/XX/08 I spoke with a representative in the rate reduction department advising that I was recently separated from my job on XXXX and needed some other assistance with my loan repayments. I explained that I'm already paying $ XXXX/month and this would be near impossible for me to continue while unemployed. I explained that I'd filed for unemployment and had not been approved as of yet. Right now I have NO INCOME! explained that my co-signer does not work and receives a fixed income and is unable to help me with any payments. The representative showed no concern and stated that my only option was to pay $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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 — Card was charged for something you did not purchase with the card
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
UMB Bank solicited my business by offering me {$200.00} as a reward incentive for which I qualified and my XXXX account was credited. 

The UMB Bank credit card solicitation promised ... '' With XXXXXXXX XXXX   Zero Liability Policy, you're not responsible for unauthorized charges .... ''. 

An 'unauthorized charge ' of {$140.00}, per 'sales ' invoice dated XX/XX/2019, was posted to my account. 

In lieu of UMB Bank honoring its " Zero Liability Policy '' the unauthorized charge of {$140.00} was debited against by {$200.00} cash reward incentive ( XXXX XXXX, 2019 )

Company response to consumer: Closed with explanation