vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Car dealer in XXXX created predatory loan, accepted the bad credit of the purchaser to cosign and co-buy the car, while original purchaser was denied loan due to poor credit, that same person was then allowed to cosign for the vehicle. I was under the impression that I was cosigning for the vehicle because I had more stability and better credit. The dealer allowed a XXXX old XXXX  XXXX with only partime employment to cosign. That person was told that credit would build based off of the purchase and car could be refinanced in original purchaser name after 6 months refinance later denied. That person gave trade vehicle not sure if value was added or deducted from the loan. I recently received statement saying payoff roughly $ XXXX less after first attempt calling out the loan terms. The original purchsaser took full responsibility for the car as would primary buyer, car was totaled X/2016. XXXX XXXX allowed only liability on the vehicle did n't require full coverage on financed vehicle of a risk loan. XXXX XXXX threatened to reposses the vehicle, if payments were n't made, no assistance only demand of payment. Car dealer finance mgr admitted to using the bad credit of original car shopper to determine finance charges it is 14.99 %. 
My credit has been severly adversely effected. I was charged a higher interest rate when processing to buy a home as a result. I had good credit and already had new financed vehicle that I am paying for. I did n't intend to purchase a 2nd vehicle the dealership was misleading when speaking to the original shopper about the vehicle she was only XXXX old at the time. 

I am now receieving notices of a payoff amt and it does n't include any info about the co-buyer. Therefore I assume this as I am being totally held responsible for the remaining balance This was predatory loan taking advantage of young shoppers. We were vulnerable and unaware of deceptive practices until I had a older family member thoroughly review the contract. 

XXXX XXXX of XXXX XXXX XXXX Capital 1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
Well, when I fired off this FIRST EMAIL attached, I kind of half expected a RESPONSE to work things out. NOPE! The people at SBC, LTD, seem to think Im a nobody you can PUSH AROUND.
THEY SENT ME 12 MORE BILLS? 

I TOOK ON XXXX XXXX, XXXX XXXX, The US NAVY and WON EVERY SINGLE FIGHT. YOU ARE SMALL POTATOES compared to the FEDERAL GOVERNMENT. Dont believe me? Ask SENATOR XXXX XXXX who intervened on my BEHALF for XXXX XXXX. The LATE CONGRESSIONAL XXXX XXXX ( XXXX ) NY, INTEVENED for me in XX/XX/XXXX AGAINST the US NAVY. I TOOK ON XX/XX/XXXX ALONE in XX/XX/XXXX. 

I just filed a COMPLAINT with the WA AGs office, Im filing another COMPLAINT with the CFPB and a COMPLAINT with the FTC and contacting XXXX XXXX XXXX XXXX XXXX! Im going on SOCIAL MEDIA, XXXX and I HAVE A NETWORK OF OVER 30 MILLION PEOPLE on XXXX. 

I HEREBY FORMALLY DISPUTE ALL THESE and tell them to take the WA STATE COMMUNITY PROPERTY LAW and SHOVE IT UP their XXXX, AS FAR AS IT WILL GO AND XXXX XXXX XXXX! 

The WA STATE AGs response just came. 

-- -- -Original Message -- -- - From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXXXXXXXXXX Subject : AGO Complaint XXXX, Thank you for contacting the Consumer Protection Division of the Attorney General 's Office. The consumer complaint you submitted through our online form was received on XX/XX/XXXX. Your complaint is very important to us and we have assigned it to a consumer resource center specialist for review. You will be provided with a complaint number and the status of your complaint within 5 business days. During times when we experience peak complaint volumes, it may take up to 7 business days for us to contact you with your complaint number and status. Thank you for your patience during this time. 

Please do not respond to this email address. The mailbox is not monitored. If you have questions, please contact our Consumer Resource Center at 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 2017-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian will not explain to me why my FICO credit score dropped. Their customer service representative, when called on X/XX/17, said they were unable to determine why my FICO credit score declined within the past 6 months because I did n't have an account with Experian. 

If Experian is going to determine the FICO credit score, which directly affects my ability to open new lines of credit, I would at least like to know the factors that go into determining that score.

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 2017-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX.XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 2017-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.

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 2017-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On multiple times I tried to transfer USD funds from my Kraken account to my bank account. For two weeks XXXX is claiming that it is possible while it is not. Furthermore today I tried to transfer ZEC funds to a different account. This was taking a long time so I cancelled the transaction. The funds from cancelled transaction were never returned to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one froze my card sent new card asking me to proof of who I am sent it to them and they ... cant get their act together I went inside a branch had their teller send the documents they asked for and they said they did n't get it spoke with XXXX XXXX XXXX branch number also spoke to XXXX would not give me her name badge # XXXX said my account will be frozen till I give them documents that I gave XXXX XXXX to fax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief