vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMPASS MORTGAGE, INC.
State: IL

Complaint narrative:
Purchase of a 2 bed/2 bath condo at XXXX XXXX XXXX ; XXXX ; XXXX, WI with a close date of XX/XX/XXXX. 

XX/XX/XXXX - Signed off on a rate lock disclosure stating a 30 year amortorization period. 
XX/XX/XXXX - Signed off on a preclosing disclosure reflecting a 30 year amortorization period. 
XX/XX/XXXX - Texted that I will only be receiving a 20 year amortorization period and am being forced to sign a new preclosing disclosure reflecting this change with no quantifiable " change of circumstance '' Closing got pushed back to XX/XX/XXXX and I will be forced to forfeit earnest funds of {$1500.00} and a payment of {$480.00} for an appraisal if I am to walk away from this transaction. 

Requested Compass Mortgage disclose the " change of circumstance '' and was not given a reason. I was told they were within their right to make this change. When I called CFPB for guidance, a conclusion of filing a complaint was acknowledged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Im a victim of identity thieves someone got my information and opened up accounts in my name this was removed from my report before and now its back under a different company name this is on believable they keep calling me and I explain to them that Im a victim of identity thief and they said they was gon na close the case but never did

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My monthly payment for my Chase credit card ending in XXXX due every XXXX of the month. I pay every month on time. Now on XX/XX/2018, I made an online payment of XXXX at or around XXXX. On XXXX XXXX I get a text message that says my payment was not received. I log in to my account online and see I was given a XXXX late fee. I go back to my previous payment that I made XXXX XXXX and noticed I didnt get a late fee for that payment but it was due XX/XX/2018. I call their customer service to find out the agent claimed to refund the fee and says it should not affect my credit report. Now this is my issue one I have paid my bill on the XXXX many of times and never received a late fee, secondly and most importantly your website specifically states if your payment is made between XXXX et well credit your account for the date you choose, but you might not see it for 1-2 days. Now explain why I got a late fee again? I also have my confirmation email from scheduling my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was received some emails from American Express advertising the AMEX Delta Gold credit card. The emails were addressed to me and offer was made to me specifically saying that if I get this credit card I will receive XXXX points after spending {$2000.00} in 3 months, another XXXX points for spending an additional {$1000.00} in 6 months and a {$50.00} credit after I make a Delta purchase in the first 3 months. I also saw the same offer when I logged into my AMEX account to pay for my other credit cards ( I have multiple cards with AMEX ). I decided to take advantage of this offer and got approved right away. I received my credit card at the end of XX/XX/2018 and quickly fulfilled of the requirements for the {$50.00} credit and XXXX delta points. I waited a few months but neither the credit nor the points were given to me. I called AMEX and asked them what the issue was and opened a case to get the points. I was told that it will take up to 8 weeks to get a decision but did not hear back from AMEX. I called and called and there was no resolution. Finally, they informed me that since I had this credit card XXXX   years ago I was no eligible for this promotion. I feel like I was taken advantage of and targeted for this offer unfairly. These offers were sent to my email and shown inside of my private account. I feel like this is wrong and I deserve to get the points. Furthermore I referred my XXXX   and was supposed to get another XXXX points but they did not give me this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Hey this is XXXX from XXXXXXXX XXXX I'm a debt collector. ID number XXXX   and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at XXXX or you can chat with me XXXX. I'm in the office Monday through Friday from XXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXX to XXXX. Again I am a debt collector with America collect at XXXX. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. 

PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A XXXX NUMBER AND I HAVE NOT CALLED THEM BACK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been fight with Wellsfargo with these transaction being fraud for the longest. I was told the transaction were disputed instead of being listed as fraud. now they have reversed these transactions back on my acct leaving my acct neg. 

XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX  {$340.00}

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I was XXXX XXXX, XXXX XXXX. I bought a land lot and built my home. XXXX never put me on bank loan financed by XXXX XXXX XXXX XXXX. After XXXX  XXXX XXXX refused to accept me a rightful owner despite having home assigned to me by XXXX  court, and having a Quit Claim Deed on it. I originally owed {$170.00}, but after XXXX years of XXXX XXXX refusing to allow me to Assume the mortgage they now claim I owe them {$400000.00}. as they enforced the costliest Insurances and the highest compound interests. I was forced to file Bankruptcy in order to prevent XXXX bank to take home. Now in XX/XX/XXXX, XXXX XXXX sold my loan to Specialized Loan Servicing and I am having the same difficulties with them. They have refused to allow me to Assume the mortgage, or to give me a trial payment plan of a year, which they state they could do. My interest is in saving my home, rectifying the paperwork and putting this account back on track. SLS has not been willing to modify the mortgage despite the fact I make sufficient salary to pay. I have lived with my sons, and who have medical problems, and my mother with end-stage XXXX XXXX in this home since 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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A few months ago I checked my credit to learn that I have a collection account. I attempted to dispute the item with the credit bureaus, they returned and stated the accounts were verified. I then made contact with with the collection company in writing requesting verification. After several communications back and forth over two months they have still not removed the items nor have they sent anything to verify  the debt. Furthermore, I requested information on their registered agent within my state and have filed to provide that information. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated
State: MI

Complaint narrative:
American Credit Resolution/ACR has violated so many of the rules that are in place with regard to debt collection. This company has continued to call me on my cell phone - numerous times a day from different numbers ( leaving me voicemails that they are sending me demand letters to my place of employment or home ). At least 7 times each day to my phone ... ... .... They also call relatives and give them private information in hopes of getting a different phone number to reach me. They continue to call my place of employment when I have asked them several times to stop - just changing the CSR does not mean they can now call my work again. Each all they threaten demand letters and legal action - also illegal, right? MAKE THEM STOP!! My personal information should not be shared with anyone and when I ask them to stop they should stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to AD ASTRA ( the company reporting the collection to equifax, transunion and experian ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent AD ASTRA the proof of payment on XX/XX/2018 and that AD ASTRA is the only one that can correct the reporting on my credit.

I called AD ASTRA today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but AD ASTRA has maintained this reporting to all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Charged {$14000.00} XXXX XXXXXXXX on XXXX Citi credit card on XX/XX/2018. It was my understanding that based on XXXX Citi Visa Card web site that trip cancellation was covered. while trying to make a claim i was told that the business version of this card does not have this benefit. This is not stated on the web site. I have the non business card also and would have used it if it was stated on the description of benefits

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Disputed with the company several occasions ever since I saw this on my credit reports back in 2014. This account is not associated with me. This on my credit report is making it impossible for me to do what i need to credit wise because its negatively reporting.This is not my account! I have reached out to the bureaus regarding this and nothing has been done.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
No income to pay requested debt from bill reported to collection agency, still continue to call daily and sometimes multiple times per day asking for debt owed. Robot dials and person answers when picked up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday XX/XX/2018 I was defrauded and scammed into depositing {$1000.00} is dollars using XXXX quick pay from my CHASE account to a XXXX XXXX XXXXXXXX account. Im currently working with law enforcement in XXXX XXXX XXXXXXXX where I live and with law enforcement in XXXX, Florida where the account holder of XXXX  XXXX XXXX lives. I mmediately contacted both banks within minutes of transferring the funds. CHASE at the time of my claim only gave me the option to submit a claim and all I can do is wait. Its now been 6 days and CHASE has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to XXXX XXXX ( the company reporting the collection to XXXX, XXXX and XXXX ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent XXXX XXXXXXXX the proof of payment on XX/XX/2018 and that XXXX XXXXXXXX is the only one that can correct the reporting on my credit. 

I called XXXX XXXXXXXX today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but XXXX  XXXX has maintained this reporting to all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute with Experian twice to request removal of a collection in the amount of XXXX involving a collection company ( XXXX XXXX XXXX ) whose client is an online payday loan company not licensed in the Commonwealth of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and XXXX XXXX never sent me a notice that would allow me the opportunity to dispute the collection.

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 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance 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 2018-08-02 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B,  however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX   XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. 

On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. 

I want to know why {$53.00} was applied to Group B after the load was paid off? 

Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. 

Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? 

Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. 

To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. 

I request the change multiple times and I would like to have this change applied immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 I was at the XXXX XXXX XXXX with a friend, XXXX XXXX, and she won a jackpot in the amount of {$18000.00} ( see attached ). XXXX XXXX friend, XXXX XXXX, was with us and offered to cash the winnings at the cashier 's desk for her, because XXXX XXXX didn't have id with her at that time. The jackpot was accepted and cashed with the appropriate ID for XXXX XXXX transactions and accounting purposes by XXXX XXXX XXXX and the money exchanged and distributed as follows : {$10000.00} in cash, a {$2500.00} check, the check in question that was transferred to me, and {$6100.00} held for taxes. ( See attached ) At the same time XXXX XXXX XXXX signed check number XXXX for {$2500.00} over to me, as it was being given to me by XXXX XXXX the person that won the jackpot. These transactions can all be verified a XXXX XXXX and by camera surveillance at that time. I did not anticipate a problem. On XX/XX/2018 I lawfully deposited the check into my Chase Bank account, thinking that the check would clear because it had cleared at XXXX XXXX XXXX XXXX ( See attached bank statement ) Signing a check over is a common practice and is accepted by financial institutions. However, unbeknownst to me, a hold was placed and the funds frozen from my access. The {$2500.00} check was then withdrawn from my account on XX/XX/2018 ( see attached statement ) without reason leaving a balance of {$1.00} and on XX/XX/2018, Chase issued a check for the balance of {$1.00}, check number XXXX ( see attached ) and closed my file. Again without explanation or reason. This is totally unacceptable as I was never given a reasoning for the closure nor for this check being withdrawn, not paid to me and/or not returned to XXXX XXXX XXXX. XXXX XXXX XXXX assured me that the funds were there and there was no issue on their side. However my account was with chase. As a consumer I have a right to know why my account was blocked, the funds withdrawn and eventually my account at Chase closed. Where are these funds now? What is being done with the funds at this time? I am a XXXX XXXX of the XXXX XXXX XXXX and would not have done anything unlawful. 

I made several attempts and calls with chase to address this however without a reasonable or valid explanation. They had no lawful reason or cause to hold these funds from me. It has now been 3 months, sufficient time has lapsed and I am still without the funds.

Company response to consumer: Closed with explanation