vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.

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 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.

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 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.

Company response to consumer: Closed
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. 

Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. 

I just checked my credit score yesterday and realized that this had negatively effected my credit score by XXXX points, due to a balance being left over during closing. 

There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. 

If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

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 2015-05-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.

Company response to consumer: Closed
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I received a call from a XXXX XXXX office, to " collect a debt on a credit card ''. the caller did not verify my information before giving me this information. The person yelled at me that they are starting the " legal process to garnish my wages '' I advised her that I have not received any information on any attempt to collect any debt.I am legally entitled to receive that and verify that so called debt is mine and that the collector is legally able to collect on any so called debt. She refused many times and told me that she is not required to do anything of that sort. Continued to threaten me on " legal action '' did not give me information on amount of debt or if there was an ability to settle on any debt. She did not even properly verify who I was. I looked on line since the company name on the voicemail was different than what she gave me and I saw many victims to this company as well. XXXX / XXXX XXXX. There was no resolution to this call as she would not listen to me and only yell and threaten me during the whole call. I would like to know what this even is! How can I be taken legal action against and I dont even know what this is! I can not know how to respond with a solution if I have no information as to what this is at all. The only information she gave me was that it was in an attempt to collect on a credit card debt. No credit card name given. This company needs shut down as they do not know how to collect said debt to anyone per all the comments I have seen plus my own experience!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. 
XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. 
XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. 

Thank you. Your request has been received by the Ombudsman officeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am experiencing financial hardship due to prolonged unemployment. I initiated a loan assistance application because I was unable to make my mortgage payments and yet JP Morgan Chase has been using Collection calls to harass me to make payments. 

I have applied for loan assistance via two applications on XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX is my SPOC and that has not changed. 

Over the last several months, several Chase employees call and demand for different documents to be sent. 

I have complied with all their requests. I have sent the following documents : 1. Personal and Business Bank account statements. 
2. Tax transcripts for XXXX & XXXX, including all Schedules. 
3. Investment account statements. 
4. Food stamp benefit statements and 60-day Food stamp transactions. 
5. Rental condo Lease & Rent Deposits. 


All these documents have been faxed to Chase using the fax machine at one of their local branches. I have copies of these fax confirmations. My contact information, loan number and property address has not changed either. 


To resolve this continued harassment of document requests, I told XXXX that she needs to put document requests in writing. She has avoided doing so. I also told her that I will be getting a XXXX Counsellor to conference the XXXX of us so we can go over any document requests that are pending. 

XXXX Counsellor XXXX XXXX XXXX tried to conference me and XXXX on XXXX XXXX, XXXX at around XXXX PST. XXXX XXXX XXXX who got on the call told us that XXXX XXXX had gone for lunch. 

XXXX XXXX arranged for a conference call the next day at XXXX PST. XXXX avoided initiating the call and then later called back 30 mins later saying she was confused as to the exact time of the conference call. XXXX avoided initiating the conference call. 

Since then XXXX gets others on her loan assistance team to call me up and demand documents that I have already sent. This has happened over 4-5 times. 

On XXXX XXXX, XXXX I got a call from XXXX XXXX once again demanding a new set of documents. I asked her to ask XXXX to call me back, but XXXX is not contactable. 

I called XXXX XXXX, XXXX at around XXXX PST. The person who came on the phone call refused to connect me to XXXX and hung up the phone call. 

I called back and spoke to XXXX XXXX. I left XXXX a voicemail indicating once again that I have completed her document request. If there is any other document needed she needs to call and not instruct others to call me with random requests for new documentation that they make up on the fly. 

Instead of processing my loan assistance application and providing me with a loan forbearance and loan modification, JP Morgan Chase has resorted to harassment calls by Collection agencies during the day and repeated document requests by other team members in the loan assistance team but instructed to harass me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.

Company response to consumer: Closed with explanation