vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
After around 10 years of at least 15 carriers and over 100 letters threatening to foreclose, litigation, in which a judge ordered the loan to go to arbitration around 3 to 4 years ago, a new company appeared out of no where and claimed they where the new carrier and told me they had no previous records of judgements or court preceding 's, nor any documents pertaining to the loan. 
as of around XX/XX/XXXX of this year, after many letters from several mortgage companies, Carrington mortgage, llc started sending letters claiming they were the new carrier of the note, ( one note, I had received a letter from the last carrier saying they would no longer be servicing the not and the insurance would be dropped ). around may I received a letter from manner, XXXX XXXX XXXX XXXX XXXX saying the foreclosure date was set for XX/XX/XXXX. I then ask an attorney, ( whom I have not retained but only ask for legal advise ) if I had the right to all docs pertaining to my loan and proof the carrier was a legitimate company and had the right, after I told the Attorney of my situation she called the law firm and said before you foreclose could we have the docs pertaining to the loan, the attorney for the mortgage co. said she would pass the info to Carrington and she would request a stay on the foreclosure. they postponed it for one month and 10 days. We took this time to speak with Carrington mortgage to obtain docs, such as transfer history, proof of carriers, loan payment history, ect. we received nothing. the lawyer ask me to do a three way to talk with Carrington on the matter, the conversation went nowhere and Carrington said they where foreclosing. they had no records, 0,  they did send us some loan payment history but you could not read it, and the Lawyer representing Carryington sent us and Altered Deed Of Trust. you could not even tell who's loan history it was. This, in my opinion is a scam to foreclose on anyone who is unsuspecting and because they refuse to show any documentation, I must conclude there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: KY

Complaint narrative:
XXXX XXXX  reported a charged off account to the credit bureaus in the amount of {$300.00}. I do not recognize this debt as my debt. As an XXXX XXXX servicemember in the XXXX XXXX, I have access to military financial counselors to assist in financial matters. Steps I have taken to resolve this issue are as follows : ( 1 ) On XX/XX/2018 I met with a military financial counselor regarding this XXXX XXXX account.

( 2 ) OnXX/XX/2018, together with the financial counselor, I called XXXX XXXX  and asked about this alleged debt. The representative at XXXX XXXX was unable to locate an account under my name and social security number. He suggested that the account might be with either : ( a ) XXXX XXXX at XXXX  or ( b ) XXXX at XXXX.

( 3 ) On XX/XX/2018, together with the financial counselor, I called XXXX XXXX at XXXX and they could not find an account under my name and social security number.

( 4 ) On XX/XX/2018, together with the financial counselor, I called XXXX at XXXX and they could not find an account under my name and social security number. The XXXX  representative spent considerable time trying to locate an account yet was unable to find an account.

( 5 ) I completed a dispute request with XXXX  regarding XXXX XXXX ( document 5 attached ) and mailed it to XXXX.

( 6 ) XXXX  mailed a response to my dispute on XX/XX/2018. It stated that there are no accounts from XXXX and XXXX on my credit report and listed XXXX XXXX  as contact information for this dispute. ( document 6 attached ).

( 7 ) XXXX XXXX response dated XX/XX/2018 also reports that the XXXX XXXX as " account transferred or sold ''. It states that the account was " sold to '' " XXXX ''. ( document 7 attached ).

How can XXXX XXXX  sell an account that it couldn't locate? I have never heard of XXXX before. Three documents are attached verifying the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I am a bank of America Travel reward card customer.

I want to vacation on XX/XX/2018 and returned on XX/XX/18 and the date on transaction is XX/XX/18 and XX/XX/18. 
I went on a vacation to XXXX XXXX. I went to one club where I lost my wallet. I realized after 8 hours or so and I went back to see if it was there or not and I was able to find it from the front office. After a week when I was going over my statement I saw that there are two different changes which I did not make or authorize to make. One in that restaurant and the other in some park where they require you to put your Credit card as contingency. These changes are fraudulent to the best of my knowledge. I tried calling merchant no help, then credit card bank ( Bank of America ) fraud claim rejected saying the card was present when the transaction happened ( obviously ) and they do not suspect fraud. No help after 3 months so filing complain for it. This has happen earlier as well but I did not have evidence I honored the charge at the end. 

Please extend your help. 
I have attached my credit card statement for the purpose of identifying me and transactions are highlighted already. 

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 explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XX/XX/XXXX WaMu was acquired by XXXX XXXX XXXX XXXX XXXX. I have applied 4 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XX/XX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XX/XX/XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. A award was given for the amount of {$90000.00} and No loan amount further owed. 

On XX/XX/XXXX a decision was granted to homeowner for Rescission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX- XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XX/XX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to MERS account # XXXX : the homeowner is not aware whos account this is? 

The 1st Statement of Foreclosure was sent to homeowner of XX/XX/XXXX. 
The second Statement of Foreclosure was sent XX/XX/XXXX. 
homeowners statement shows {$24000.00}. as of XX/XX/XXXX. 
Chase Bank has assigned a new processor : effective XX/XX/XXXX to XXXX " XXXX '' XXXX  XXXX. The XX/XX/XXXX will discriminate against the homeowner as will not begin ( this mannover is typical of shorting SMS client to advance foreclosue, and discriminates against the homeowner. The mortgage review and or new modification process : shorting the process by 2 weeks. 

The homeowner has a XXXX XXXX XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title.

2. No just standing 3. Gross fragmentation of the note to XXXX XXXX. 
The home owners XXXX audit produced in XX/XX/XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I called the company USAA & was told I could skip a payment by extending my autoloan by a month which I requested. The following month I found out I wasnt eligible being that my car loan was less than a year old. Being that they didnt auto draft my payment Im under the impression everything is as discussed so when I notice my payment the following month says late so I contacted them & thats when Im informed of the situation. Ive disputed, called them & explained. A couple of times the employees have understood & actually saw the notes but said they didnt have the authority to change it since a 2-4 months had passed. They forwarded me to their XXXX  department to file another dispute which led me here. I literally just got off the phone with USAA & they sympathized but instead of admitting fault and doing the right thing by removing the 30 day late notice from my credit report, they have to understandably support the USAA & coworkers.  Understandably I have to do whats best for me & I will not stop until it is removed. I will not be punished by USAA for being misinformed by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX, XXXX and Trans Union are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.

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 2018-09-06 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.

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 2018-09-06 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: OH

Complaint narrative:
Equifax mailed me Dispute Results of their Reinvestigation on XX/XX/2018, Confirmation # XXXX, showing that the following two former addresses numbered in parentheses as ( 1 ) and ( 2 ) has been deleted from my credit file due to them being MIXED. ( 1 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. ( 2 ) XXXX XXXX XXXX, XXXX, OH XXXX. The two former addresses mentioned and numbered above are still showing on my credit report. I have included with this complaint an uploaded PDF titled equifax dispute results of the Reinvestigation Equifax sent to me by USPS on XX/XX/2018 with Confirmation Number : XXXX, showing as proof that Equifax claimed to have deleted the two addresses even though they are still being reported on my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA randomly chooses to hold credit card payments for up to ten days. The is the second time I have had my payment held. This time, my high utilization affected my credit score even though I made the payment.

I have called and asked three different representatives who have given me three different answers. One told me I have to sign up for a bank account to get rid of the issue. One told me that they as a company were not able to control the algorithms that withhold payments. And the last one told me that the federal reserve was the reason why they would not credit my account with my payment.

It is part of the terms of agreement that they can hold payments for up to ten days. But now they are implementing this more frequently. That, and they will not give me a reason as to why. I have had the credit account for more than 6 years and used the same bank account to make payments on this card. It is only recently that they have started implementing this hold.

I do find it necessary to file this complaint because it is an abusive policy written in the fine print. If I knew they would do this I never would have begun doing business with USAA. I have no idea whether USAA will withhold my assets from me and for how long when I use my card, it causes all sorts of problems with automatic bill pay. For those who are less financially stable, putting a ten day hold on a payment could be very difficult.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Expiration Date :XX/XX/XXXX {$70.00} Contact # XXXX   Called the company two times spoke to XXXX & XXXX on XX/XX/18 between XXXX - XXXX regards to reissuing this prepaid cards due to its expiration.

Both representatives rejected my request due to their policy which I believe goes against the Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I supplied a cease and decease letter to XXXX of the Skytrail customer service after numerous contact with the company informing them I would be off work due to injury. They continued to contact me after the notice via phone, text, emails and numerous voicemails at my employment. The calls have started as of XX/XX/2018 3-4 times a day, the cease and decease letter was email to the company on XX/XX/18 and I received and email from the company acknowledging receipt and they also stated they would continue collection calls on XX/XX/18. Today XX/XX/18 I have received 2 more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I visited Quicken Loans website to see what my financing options for a mortgage. I was more interested possibly in a bridge loan because my home is paid off and wanted to sell my home and put the money towards a new home. Not knowing about Quicken Loans, I only wanted a soft pull for what info I wanted to give them without my Social Security or making any offers. After giving my address, email, phone # and a credit rating, my phone started to blow up with phone calls. The 1st guy that called ( I believe XXXX was his name ) was rude and did not want to listen to my needs. It seemed as if he had a document that he was reading off and I was annoying him with my questions because I wanted to cut to the chase and get my answers. I ended up hanging up. What has upset me was that they have sent my information to several lenders and my credit score went down 7 points by a company called XXXX that looked at my credit score 2  times, XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX and they said that they are affiliated with Quicken Loans and I should dispute my credit with them. I was recommended to a employee name XXXX XXXX, an Resolution Advocate and she said that she could not help me and that the other Lead Resolution Advocate XXXX XXXX that she was going to recommend me talk to, was not going to dispute or help me out either. That ... .is unacceptable and what set me off ... .Obviously Quicken Loans don't care about my needs and took advantage of me and my credit score that would of giving me a lower interest rate. I will NEVER deal with this company again! I will be filing my complaints and reviews on EVERY consumer website to let the public know about Quicken Loans and their associates and be warned. If they would of taken the courtesy to disputed my credit score, I would of let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Took out a {$42000.00} Parent Loan in XXXX for my son. Paid over {$35000.00} to Navient over the years and recently started to make double the payments to pay it off. I instructed them to always apply any extra to principle. Last month I noticed the balance doesn't seem to be going down and took a screen shot of the Current balance {$44000.00} on XX/XX/XXXX since they do not show how the payment is applied on their website. The interest on this loan is 6.5 %. I went to make the payment today XX/XX/XXXX ( the due date is XX/XX/XXXX ) and the principle is showing {$44000.00}. I called Navient and the employee XXXX emp # XXXX stated that on the date I made my payment on XX/XX/XXXX the principle went down to {$44000.00}. My {$500.00} payment took {$11.00} off the principle. He then was explaining that the interest accumulates and making odd and incorrect statements. I told him that it isn't possible to make a {$500.00} payment and have the principle go down on that day only {$11.00}. He then tried to make calculations as he was adding and couldn't explain it. I asked for a copy of the note. 
Please this is obvious a loan shark situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: FL

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit card accounts. An inquiry from Discover was found on his XXXX   and XXXX credit reports related to one of these fraudulent applications. An official dispute of this application was submitted to Discover XX/XX/2018 ; Discover replied stating the inquiry was accurate as it was related to an application. While the dispute was acknowledging the application was submitted it also indicated the nature of the application was related to an issue of fraud and identity theft and under teh FCRA that inquiry is to be removed from any and all credit reports. This current actions is a direct violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation