vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a Chase checking account using a promotional coupon I received from Chase which offered a {$200.00} reward if certain conditions were met. On XX/XX/XXXX i received an email from Chase stating that there was possible fraud on my account and that i should go to the nearest Chase branch with 2 forms of ID to address the issue. Once i arrived at the Chase branch, I was told that my checking account had been compromised and that my account would have to be closed, and a new account opened to replace the old account. So the Chase branch closed my existing account and provided me with paperwork and an account number for my new Chase checking account. On XX/XX/XXXX, I realized i had not received the {$200.00} in my checking account and I went to the Chase Branch to inquire why not. I spoke to the Vice President at the Branch, XXXX XXXX, who said she would research the issue and get back to us by XX/XX/XXXX. On XX/XX/XXXX, after not hearing from Ms. XXXX, we called her and she explained that since " we closed the original account, '' we would not be getting the {$200.00} reward. We explained that " we '' didn't close the account, Chase closed the account due to fraud. She continued, very rudely, to explain that there was noting she nor Chase could do and that we would not be getting the {$200.00} reward, even though we met all the requirements for receiving the {$200.00} reward. I was very upset and inquired about closing my accounts to which she replied, " you already know the procedure for closing your account, you did it the first time. Its just like you did it before. Come in to the Branch with 2 forms of ID and we'll close it. '' This made me extremely upset. XXXX XXXX is falsely implying that we voluntarily closed our Chase checking account. We did not. Chase closed our checking account when they noticed someone tried to fraudulently withdraw from the account, and then Chase opened a new account. 

Ms. XXXX was extremely rude, cut me off when I was talking and made it seem like we did something wrong by allowing Chase to close our compromised account. Chase is attempting to withhold the {$200.00} new account award by closing my original account and opening a new account, and then placing blame for the original account closing on my wife and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
loan XXXX have attempted to get a loan modification several times Ditech has used my social security number without my authorization Ditech says this is a factor to qualifying for assistance and modification which they can not do Ditech has pulled my credit without authorization Ditech now tells me that's their policy I never allowed it I have contacted the investor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On or about XX/XX/2017 compensation or interest due was never received or reported by trustee. Servicing company can not make presentment on the behalf of someone else without it being certified by an attorney. No file was found in investigative search.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
For tax year XXXX, I made an excess contribution of {$320.00} to my Health Savings Account at XXXX XXXX, managed through XXXX, and deposited through my employer 's payroll system. 

This excess contribution of {$320.00} has accrued {$0.00} of interest. Per IRS guidelines, I have until XX/XX/XXXX to withdraw an amount of {$320.00}. 

I noticed this error in XX/XX/XXXX. On XX/XX/XXXX, I provided an " Excess Contribution Removal Form '' to XXXX XXXX via email. This was acknowledged and submitted for processing. See attachment email_XXXX.PNG. 

I received no response from XXXX XXXX. I contacted them at least 3 times afterwards, and they were unable to provide me a status. 

On XX/XX/XXXX, I re-submitted my " Excess Contribution Removal Form '' ( see attachment form.PNG ). I contacted XXXX XXXX on XX/XX/XXXX, and was told that my account balance is insufficient to withdraw {$320.00}. However, my online account ( see account.PNG ) shows an available balance of {$320.00} with no pending transactions or holds. The representative I spoke with confirmed that the form I submitted was correct and that my account has sufficient funds, but my excess contribution removal was refused processing regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

XXXX XXXX XXXX XXXX, TX 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 2019-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage has applied my extra principal payment to escrow and has not corrected the issue in over 7 months. I made an extra principal payment of {$500.00} on XX/XX/XXXX which posted on XX/XX/XXXX as additional escrow payment. I contacted them ( representative name and I.D . number available ) around the XXXX  or XXXX  of XXXX   upon reviewing XXXX  statement, noting the above change. I was told that it would be corrected by XX/XX/XXXX. After reviewing the XXXX statement with no change, I contacted them again on XX/XX/XXXX ( representative name and I.D . number available ) and was told the issue would be corrected by XX/XX/XXXX. I again contacted Freedom Mortgage on or about XX/XX/XXXX requesting that the matter be resolved and to send me transaction history. The payment amount changed on my monthly statement for XX/XX/XXXX and there were no fewer than 16 transactions applying and reversing payments in regards to escrow, monthly principal and interest. The extra principal payment still has not been applied and the matter had not been resolved. I've called twice during XX/XX/XXXX and spoke with representatives trying to resolve this ongoing issue and patiently waited for results. Again, there are about twelve transactions applying and reversing payments without correcting the problem. Additionally, Freedom Mortgage has changed my monthly payment amount without notifying me and used funds applied to extra principal to pay changes in monthly interest without giving me notification. Concerning the loan, I have consistently made monthly {$500.00} extra principal payments since inception. By changing the monthly payment amounts during XX/XX/XXXXit has created a supposed shortage in the escrow account which in turn has changed my current monthly payment twice to a higher amount during XX/XX/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 2019-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint against Transunion, XXXX for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite XXXX written request, Transunion failed to resolve the matter and continuously responded back that the information was " verified '' with no documentation to support the method of verification or accuracy of the disputed accounts. The FCRA law is clear regarding my rights and Transunion have caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.

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 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a promotional offer for a Wells Fargo XXXX XXXX XXXX XXXX. Included in this promotional offer was a {$300.00} cash for {$3000.00} in charges during the first 3 months. Wells Fargo included fine print that said that I am not eligible if I received another promotion during the preceding 15 months. Wells Fargo had this information at the time Wells Fargo solicited my credit card business. Wells Fargo determined that I was not eligible for this promotion, but they accepted my application for the card and did not inform that I was not eligible for the promotion. Wells Fargo should not solicit credit applications from people using a promotion that they are not available to receive when Wells Fargo has that information at the time of the solicitation. Worse, Wells Fargo should inform accepted cardholders that responded to a promotion that they are ineligible to receive, that they are ineligible to receive it. Wells Fargo is comfortable that they solicit credit applications from potential customers that are ineligible for the advertised promotion and does not feel the need to disclose their determination of ineligibility to the accepted applicants. This is wrong. I informed Wells Fargo Credit Card executive office, and they are comfortable with both the misleading solicitation and the lack of disclosure. This was confirmed to me by XXXX XXXX on XX/XX/2019.

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 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
After receiving a promotional offer in mail, I opened a Citi priority account package in early XX/XX/XXXX at a local Citi Branch ( XXXX XXXX XXXX, XXXX, MD ). The offer stated I should be receiving XXXX XXXX   miles after spending XXXX dollars and 1 qualifying bill payments for 2 consecutive calendar months. ( see attached ) I completed both activities by the middle of XX/XX/XXXX, and in the beginning of XX/XX/XXXX I first inquired about the status of the sign up bonus in an online chat session. The online agent claimed they could not find any bonus attached to my account, even after I provided the bonus code. I then emailed the banker who I opened the account with, and later received a call from him and was instructed to call the number at the back of the card to verify the details. On XX/XX/XXXX, I spent around 30 minutes calling Citi number XXXX, and after putting on hold for a couple of times, the agent informed me they could not find the exact offer I signed up for, and insisted the offer would have to have me transferring XXXX dollars within 30 days. Even after telling her there was no such language in the terms I have, the agent would not honor the offer that I have and stated she would transfer me to someone else. But instead of getting to a person to address the issue, my call was simply disconnected, and I have not heard back from Citi since.

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 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XX/XX/XXXX filed Bankruptcy XX/XX/XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to XXXX  XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that XXXX was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person XXXX sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with XXXX. The attorney for XXXX stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from XXXX regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and XXXX attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to XXXX and I had not paid anything since XXXX ; instead of not having paid since the loan modification XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXXthe 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I DONT RECOGIZE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: ERC
State: CA

Complaint narrative:
I DO NOT RECOGIZE ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from American Coradius International LLC on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called XXXX and ACI and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock. 

The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed. 

As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018. 

As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY. 

This company illegal activity is ruining my credit and they have not complied with findings of last complaint.

I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.

I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.

This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.

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 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I received a Default correspondence from my mortgage servicer Shellpoint Mortgage Servicing stating that a default is occurring with my mortgage. I recently received correspondence stating that I was approved for a mortgage modification. Correspondence I received did not state the terms of the modification nor did it state terms of the how many years I had on the mortgage, if it was a fixed interest rate or the interest rate. I was expected to remit the 1st trial payment with out receiving that important information. I need to reassured they will not foreclose on my home and when should I remit the first trial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called Paypal and XXXX and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
When attending the XXXX XXXX XXXX XXXX XXXX. I was forced to take Private student loans. The financial aid office stating the federal student loans was not available to any students at this time and that I had to take the private. When taking the loan the financial aid office stated that I would be able to pay off my loans in about 10 years after starting repayment. When I tried to read the loan I was told that they have alot of people waiting and that I can get a copy. When I asked for a copy of the loan they said I can get it after I graduated. I could never get the copies. It has been over 10 years - I have borrowed XXXX paid over 40k and still owe XXXX. The lender is taking 99.9 percent of the money that I pay and applying it only to interest and never applying anything to the principle I have called several times to question this act and they said " if I don't like what I see I should just pay more " and that if I didn't pay they would garnish my income or take my cosigners house away. I have also ask for them to send validation documents of my loans to me and they do not. Out of fear of being attacked I constantly make payments that do nothing. 

This is a prime example of predatory lending practices. I should not have to pay back 100 's of thousands of dollars for a XXXX dollars loan.

Company response to consumer: Closed with explanation