vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I am a senior and sold my home in XXXX ( XXXX XXXX  ) in XX/XX/XXXX The mortgage was held by SWBC Mortgage. I moved near my grandkids in XXXX XXXX. On about XX/XX/XXXX my son received at my home an escrow refund check for XXXX from SWBC. I was traveling and I asked my son to deposit it at XXXX XXXX XXXX in XXXX XXXX. He called and asked how he should endorse it and XXXX recommended to deposit it " For deposit only '' which he did because he didnt want to sign my name. At the end of XX/XX/XXXX I received a notice from XXXX that the escrow check from SWBC would not honor the check for " non endorsement ''. I called SWBC immediately and they transferred me from office to office. They said they would call me back on the cancelled funds. No return calls were EVER made. I then called two times per month beginning inXX/XX/XXXX, was told that twice that the funds would be " resent within 48 hours '' yet nothing was sent. They asked that XXXX send a certified letter from XXXX itself stating they didnt cash the check. XXXX did and still no replacement check. Finally after 5 calls the end oXX/XX/XXXXI received the check inXX/XX/XXXX I have had a credit score of at or near XXXX for over 15 years. In XX/XX/XXXX I had a notice that SWBC did n't receive my payment for my new home in XXXX XXXX, and had a statement owing for two months, which I paid, minus the XXXX late fee. I never got late fees from them for the 5 months they owed me XXXX and I also had been assessed bank fees from XXXX for XXXXSWBC told me they would ask for a waiver and get back to me. In XX/XX/XXXXI found that they reported my payment being 1 month overdue, and drastically affected my credit score to XXXX. I want this removed from all credit agencies. The XXXX owed was paid and I am still disputing that fee. SWBC held XXXX of my escrow money while I was trying to pay for my new home in XXXX also mortgaged by SWBC. On a fixed pension from the fire department this is alot of money for me to float to them. 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 2017-08-15 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: LA

Complaint narrative:
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

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 2017-08-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I have made some really bad decision in my life, specially when I was younger but I am finally looking to tern my life around. I started to look into my account and monitor my debts and try to resolve them. I noticed a Macys card account that was pending since XX/XX/XXXX but we are in XX/XX/XXXX so I could n't understand why this account was still open and posting for payment. I investigated with Macys and Citi bank, they told me that the Statue of limitations does apply to it and it should n't be on my credit report. They advise to file a complaint with the credit bureau and with Macys.

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
We signed up for a 12-month, interest-free line of credit to purchase new furniture at Ashley Home Furniture stores, financed through XXXX XXXX. We setup automatic payments in the amount necessary to pay-off said credit card in 11 months, and DID NOT agree to, sign-up for, or " add '' any additional card " benefits. '' After several months of automatic payments, we logged-into XXXX XXXX " mysynchrony.com '' site to check our balance, we noticed monthly, odd-amounted charges on our credit card 's activity ( between $ 5- {$20.00} ), labeled " XXXX XXXX XXXX ''. We call this number and gave them all of our personal account information, in the belief that we had contacted XXXX XXXX. It turns out, instead, we had contacted some shady, fraudulent " company '' simply called " XXXX XXXX. '' The representative, " XXXX, '' refused to give us any information, even what the company 's purpose was, or what a generic " XXXX XXXX XXXX '' charge was for. I XXXX XXXX this exact charge and discovered it is a " dept cancellation protection '' charge, fraudulently added to unsuspecting credit applicants. I contacted XXXX XXXX directly and they were very defensive, and refused to help, saying we could only contact " XXXX XXXX '' and that they would not refund these fraudulent charges. XXXX XXXX MUST discontinue this practice and their business with " XXXX XXXX, '' and this fraudulent, malicious " company '' needs to be shut down immediately! 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 monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Equitable Acceptance Corp
State: GA

Complaint narrative:
I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed them.

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from Transunion Credit reporting.

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 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Cashed 2 of my personal checks to pay my rent to XXXX XXXX There client " account holder '' XXXX XXXX XXXX XXXX XXXX chase cashed my rent payment and placed in there clients Chase Bussiness Account. XXXX XXXX, 2017 after waiting over a hour soke with XXXX XXXX ' XXXX Branch Manger Chase Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX. Whom informed me it would take 3 years for me to get refund and duress payment. I am asking fro the account of payment and dress payment XXXX that is smallest account in small claims court. I contacted there client XXXX XXXX XXXX asking return of my rent payment and duress. I was told No they were not going to return payment there reply '' We do not look at checks we just cash them " and hung up the phone. { I guest Chase Bank Does Not Read Checks Either }

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler used extremely aggresive legal tactics to collect on a XXXX Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though XXXX and Pressler and Pressler knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: RSH & Associates, LLC
State: MO

Complaint narrative:
I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Sold the vehicle with my personal items inside the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: AES/PHEAA
State: FL

Complaint narrative:
I reached out to Fed Loan Servicing a number of times explaining that my credit file should have been on deferment due to myself being disable, I was born disable and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My account number with Nationstar Mortgage is XXXX. Their website states=== ===== CONGRATULATIONS< YOUR LOAN IS PAID IN FULL. Under that statement it says===="we will=====process the release of your lien".  I have contacted Nationstar several times, inquiring about the release of the lien.I was then referred to their subsidiary XXXX as they handle lien releases.Agent of XXXX, XXXX was unaware my situation and she did not see anything in the system that indicated the lien was to be released and she said she will investigate.Contacted Nationstar again today and spoke with XXXX.She said she will send an email to the department that handles liens.My impression is that I am getting a run around and that the Lender is not acting in good faith.I want the lien released

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''. 

Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!! 

SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!! 

NO MORE EXCUSES!! 

I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES. 

DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX. 

SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ... 

DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: LA

Complaint narrative:
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Transunion is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

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