vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not receive notice of the pending foreclosure of property XXXX XXXX XXXX XXXX XXXX Georgia XXXX. The deed of this property is titled in XXXX XXXX XXXX, XXXX and it has been so titled for a long time. After speaking with an attorney, I believe that I did not properly receive notice and I request copies of all documentation. I have contacted the foreclosing attorney office, but they have not responded as of today. 

I am no longer willing to subject myself to anymore stalls tactics by Chase. I am interested in leaving this property. Having repeated been denied modifications that I rightly deserved over the years have left me with a negative view of Chase. Each time I call, I am told different things to do. I no longer wish to pursue this matter through them, but I wish to contact HUD to obtain their direct approval for either a short sale or deed in lieu as soon as possible. I truly hope that someone can reach out to me. I am prepared to file bankruptch, but I hope that will not be necessary, since my goal is to vacate the property as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: AZ

Complaint narrative:
I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with XXXX XXXX. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. Experian is reporting that XXXX XXXX says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.

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 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Closed/Charged Off Opened XX/XX/XXXX Closed XX/XX/XXXX 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 2018-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Please see attached explanation. 
To this Ocwen is filing a preforeclosed procedure after our bankruptcy discharged in XX/XX/2018, started the letter of post petion pay we so called owed, and now retracting stating we owe several months of non payment ( 6months ) of which 5 were received but XXXX payment was returned. Mailed a check with certified letter, responded by returning our check mortgage payment but no expln.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was behind in my credit card payments with Synchrony Bank. On XXXX XXXX told representative I will make a {$30.00} payment via checking account on XXXX XXXX and will call later to apply for payments with less interest. On the XXXX Synchrony withdrew {$30.00} twice without my consent and knowledge. This caused an overdraft fee with my bank XXXX because they paid the extra {$30.00}. Now my checking account that i pay my bills has a negative {$92.00} balance. I explained what happened to XXXX rep. they say I have to get Synchrony Bank to return the second, extra {$30.00} to them. Synchrony refused to do it. Therefore my checking account will remain in a negative balance until and when Synchrony decides to correct it. I will not pay for anyone mistake, negligence or deceptive practice. I also do not have automatic withdrawal payments from my checking accounts exactly for this reason. I read companies take out extra money from people`s accounts.

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 2018-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
Monday, XXXX XXXX. SouthEast Mortgage called me and explained that my loan ( that they previously said was fully approved last week on Thursday XXXX XXXX is not denied " unless '' I pay {$7000.00} or {$10000.00} in 48 Hours ( Closing Date was Wednesday XXXX XXXX ) And asked which option ( before the end of the day ) would work better for me? 

I applied for the Georgia Dream loan and was working with the team for 4-5 months  and each step of the way they were making me aware of what needed to be taken care of and " fixed '' yet 48hours before the closing and keys were handed to me and my family, now all of a sudden my " tax issue '' that currently has a monthly payment installment agreement in place, in now causing my entire loan to be denied. 

He also instantly required me to pay off all my tax debt before 2017 for All Years. He also informs me that my GA Dream file was submitting to 2nd set of underwriting last week around Thursday XX/XX/XXXX. From my personal expert team, they made me aware it normally takes 10 days to clear. Once I ask the SouthEast Mortgage official for a document to show the denial letter/information, and call him again, he explains that GA Dream is now Not Possible No Matter What. Even after several attempts for the official denial letter, nothing was produced. 

The mortgage is off the table, my earnest money is lost, my apprasial fee is lost, my home inspection fee is lost, and my 4-5 months of patience and persistent has been wasted. 

We spoke to Georgia Dream agent and she explained there is a simple document that I need to clear this condition, it's a lien right documents that changes the order of rights away from IRS in primary position. XXXX did not even discuss this with me at all and just proceeded to let me know that I am " denied '' with no options. Last week he explained to me that I was " approved '' and congrats but Monday he explains my file was not submitted to GA Dream underwriters until around XXXX XXXX. 

I was told I was approved, then it was just taken away from my family and I. 
I have attached the only " denial '' they sent us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/18 called Equifax to file a dispute that was showing on my credit report obtained by XXXX. 
On the credit report under Equifax it is showing that that I have an UNPAID MEDICAL collection, and I want to know more information about this so I can fix this, as I think this is an error. 
Equifax could not bring up anything under my name, SSN & address. They wanted a 10 digit number, which I do not have on my credit report. 
I also tried to submit a dispute online with Equifax, but this also does not work with the information I provide. 
People on the phone do not understand English very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: FL

Complaint narrative:
I sent a dispute letter to Experian back in XXXX after reviewing my XX/XX/2018 credit report. I noticed a bunch of inquiries that I never made so they are unauthorized. I sent a a dispute letter with identity theft documents and I never received any correspondence from experian. I want these unauthorized inquries 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 non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a  preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr. 

I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case. 

They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this. 

This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything. 

This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My son has been working for a year, has great credit and just moved into a new apartment. XXXX XXXX XXXX was using Equifax for their application process for internet service. They put a freeze on my son 's account and asked him to fax some information to them. Then they told him it would be up to a month to resolve the freeze they put on his account but wouldn't tell him so he needed a co-signer. I agreed then they told him I had a freeze. Their response was, " we apologize. '' I asked to speak to a supervisor and her response was, " we apologize ''. I asked them for resolution as they apparently are randomly freezing people files and was again met with, " we apologize '' repeatedly. No information, no research, just " we apologize ''. How can they just freeze peoples account for no reason while asking for check stubs and social security information? Don't they have that or is it they're most likely tying to update their demographic information to sell? This is the literal definition of abusive practice in UDAAP. Who is making them accountable for their abusive practices on the public with no merit, no explanation, or timely resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: IA

Complaint narrative:
I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/18 I ordered a pair of shoes for {$110.00} via PayPal from a XXXX retailer called XXXX XXXX. I'd never ordered from XXXX before, and I was hoping to use PayPal in case there was anything fraudulent involved with XXXX. XXXX 's tracking information never worked for me, and on XX/XX/18 they emailed me saying the package had been delivered. It never was. I attempted to work this out with XXXX, but they were unresponsive so I reached out to Paypal on XX/XX/XXXX filing a complaint. PayPal spoke with XXXX and denied my claim for a refund on XX/XX/XXXX on the grounds that the seller 's tracking service indicates that someone signed for the package. No one was around to sign for the package on XX/XX/XXXX, so this is very strange. In addition to this, the tracking website they provided to PayPal is only in XXXX that XXXX is unable to translate via XXXX. Nonetheless, PayPal took this as sufficient proof that the package had been delivered, without ever seeing evidence of signature. I worry that XXXX committed deliberate fraud, and that PayPal 's system denied my claim when it should have been accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 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: DISCOVER BANK
State: AZ

Complaint narrative:
I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with Discover Card. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. XXXX  is reporting that Discover Card says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal held funds without my authorization in the amount of XXXX. Pay pal has continue to hold funds illegally in connection with the violation with the XXXX XXXX XXXX. Pay pal has not issued payment with first judgement for same illegally activity an Electronic hold with authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a XX/XX/XXXX bankruptcy entry that was placed on my credit report and I have been trying for over 10 months to get this entry removed. I have spoken with numbers of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX I called once again to speak with a representative and inquired how Transunion verifies their public records. I want to know this information because the public record keeps coming back as mine. I has 3 representatives that told me that thr request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advises that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time an they advised me that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they sen over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify and information with the bureaus. Transunion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-11-27 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: AZ

Complaint narrative:
Experian is reporting that I have a bad debt with XXXX  XXXX XXXX XXXX. My mother added me as a co-signer on her checking account. She was elderly and needed help in writing her checks. I even called and spoke with a Supervisor that verified for me that I was not responsible for my mothers debts. 

She passed away in XX/XX/2016. I notified them immediately and they drained her checking account to pay on her credit card with them. I was not on her credit card. They told me I needed to pay her balance. I referred back to the earlier conversation that I had with a Supervisor. They even admitted to notes verifying that is what they told me, however they said someone had to pay. I was not on her credit card. I didn't have access to use that account. They can not hold me responsible for my dead mother 's debts.

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 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.

Company response to consumer: Closed with non-monetary relief