vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: WI

Complaint narrative:
I had my mortgage through XXXX XXXX and they sold my loan to homepoint financial.they sent me notification on this and once it got switched over my mortgage payment raised from XXXX per month to XXXX.thought at first they put a second homeowners insurance policy due to the fact my homeowners didnt get faxed over or whatever the case may have been but after talking to my insurance agent that wasnt the case.iv been trying to contact them daily for the last month and a half.have NOT received a call back or even an email back what so ever.the only person Ive talked to was in the insurance department and they keep transferring me to a different department because apparently they cant tell me why my mortgage has raised that much while having a fixed interest rate.once transferred they wait time has been anywhere from 15m-30m wait.iv sat on the phone for HOURS waiting after a few hours the phone just hangs up.no one there will talk to me about it or even email me about it.in the month and a half of trying to get ahold of them i have yet to hear a word back on this topic.in the mean time iv had my insurance agent re-fax my homeowners policy to them and i know they have gotten it.so now idk what to do other then this which was suggested to me through my original mortgage lender.i have all emails and all phone call records on hand just am not able to attach them for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am requesting your assistance in obtaining a corrected Certificate of Satisfaction from Chase Mortgage Services , Inc. ( Chase ). 

In XX/XX/XXXX my husband and I purchased our home in XXXX, Virginia and the mortgage company, XXXX held the mortgage on the property. XXXX went out of business and Chase assumed ownership of the mortgage. In XX/XX/XXXX, when the lien was released, Chase made an error on the release of lien which indicates page 2203 and it should be 2293. 

From XX/XX/XXXX to XX/XX/XXXX, we have refinanced our home several times and a title search was conducted on each loan and we were never advised of any issues with the release of the lien. 

In XX/XX/XXXX, my husband and I were attempting to obtain a line of credit from XXXX XXXX XXXX XXXX. When a title search was conducted on our property, the search revealed that the Certification of Satisfaction issued by Chase has an error on it. 

XXXX XXXX, the loan coordinator with XXXX XXXX XXXX XXXX, advised us the issue and sent an e-mail to Chase requesting that a corrected Certificate of Satisfaction be prepared and filed with the court. Chase never responded to her, nor to us indicating that they were going to issue a new Certificate of Satisfaction. 
The ultimate issue is that when we sell our home in the future, it can not be sold without a corrected Certificate of Satisfaction. It is our understanding that the only way we can resolve this issue is to hire an attorney and communicate with Chase. I do not believe that my husband and I should incur the cost of hiring an attorney to get this issue resolved. Chase made the mistake and they need to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to  only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX  report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately

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 2018-03-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Showing an account by the name of XXXX XXXX which has been settled and should Be removed

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 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Apothaker & Associates, PC
State: NJ

Complaint narrative:
This is in reference to XXXX credit card. the debt was in the hands of XXXX XXXX XXXX before I became disable as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/18, I purchased XXXX of Ethereum from Coinbase for {$15000.00}, including their fee. I used a new account with XXXX XXXX that they had already verified using small test transactions. Several days later, when profit of over {$5000.00} was assured, they reversed the transaction, instead of delivering the above shares to my account. Their excuse was that XXXX XXXX, who they had already verified, reversed the charge. Instead of charging a different account for the shares, they simply kept these profits for themselves. In their email about the reversal, they even acknowledge their ability to deliver shares not paid for yet, giving them the obvious option to have delivered the shares to me if the trade were not profitable ( and holding me accountable for order amount rather than their taking the loss ). This reeks of double dealing and I insist they put the original transaction through with the other linked account I have on record with them ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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:
I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I went to a XXXX XXXX ATM to deposit XXXX., but the ATM machine ate my deposit an did not credit my account. It also kept my debit card. This happened on XX/XX/XXXX at roughly around XXXX. In XXXX, La.I preceded to the main office building to tell the folks, the atm ate my deposit. From there they started a claim, in which XXXX was credited to my account in the following days. On XX/XX/XXXX XXXX XXXX reversed the credit, saying that when they check the machine it only had {$500.00} over, thus stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX, we paid Chase Mortgage {$100.00} ( item 2 ) from our savings account to recast our existing 30 year mortgage. We did this at the branch with our banker XXXX, ( item 2 ).  XXXX was on the phone directly with XXXX from the recast department. XXXX confirmed receipt of the funds and emailed a document to XXXX outlining our new payment amount and start date, ( item 3 ). It does state on that document that a letter asking for a recast is required. XXXX, our banker asked XXXX at the recast dept if the letter was still required as the funds were received and we verbally asked for the recast. XXXX 's response was that no letter was needed and that she would open the work order for the recast and that the new payment was to start XX/XX/XXXX per item 3. At the end of XX/XX/XXXX, we received item # 4 informing us that our mortgage payments were not paid in full and that our credit would be impacted if funds were not paid in full. We contacted XXXX our banker and met with her to iron this issue out. After 2 hours talking with 5 different people at the recast department repeating the issue with each we were told that XXXX had never opened a work order and that only now was one being opened and that it was being done too late to allow for the recast to apply to the XX/XX/XXXX payment. In other words XX/XX/XXXX would have to be paid at the old amount ( without recast ). We are not dealing with an XXXX XXXX at XXXX who is attempting to help us but her hands are apparently tied. From item 5 you can see that we paid them the money that we did not owe to avoid their threat to impact our credit. 

So in essence, Chase bank has used our {$100000.00} and loaned it at interest while still charging us the full interest amount on our mortgage for going on 5 months. My wife and I did everything we were supposed to do except send the letter requesting the recast that was to start the work order. We did not do that, XXXX in the recast dept stated that she would open the work order and no written request is needed. That statement was witnesses by our banker XXXX. 

I can not understand why a recast should take two months to begin with, why the bank can use your funds while still charging you full interest on your mortgage. We were told that was " Policy '', and I saw it as a revenue generation process rather than a actual " Policy ''. 

We want our interest payments back for all months after XX/XX/XXXX ( XXXX, XXXX, and soon XXXX ). A letter of apology would be nice as well as the interest from XX/XX/XXXX. Can not think of a single reason why, in the age of computerized banking, that a payment can not be processed with a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: NJ

Complaint narrative:
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX card on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX  card on

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 2018-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I had a Mortgage with XXXX  XXXX in XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and Bank of America assumes my XXXX XXXX Mortgage # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX   Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XXXX, and the fact that I refinanced my XXXX  XXXX in XXXX, paid it off completely when I sold the home in XXXX. Financed a brand new XXXX XXXX in XXXX, it too is completely paid off, but I am still being denied credit in XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX Veteran that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran  of this country! You can't report both loans! Thgis is Fraud!!!!!

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 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is in reference to Citibank credit card. the debt was in the hands of XXXX XXXX XXXX before I became XXXX as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.

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 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid. 
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: BB&T CORPORATION
State: NJ

Complaint narrative:
BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.

Company response to consumer: Closed with explanation