vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: OH

Complaint narrative:
Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
My father went to purchase a vehicle from Larry H miller XXXX. My father was assisting me in getting a vehicle due to my bad credit from a recent divorce. We purchased a XX/XX/XXXX XXXX and signed the agreement for {$370.00} a month. I then received a call from the finance manager a few days later advising me that the finance company had come back and the new amount would be {$410.00} a month and that we either " take it or leave it ''. We advised we no longer wanted the vehicle and the finance manager verbally agreed to release my father from the vehicle. We went in the next day to return the vehicle and they declined because the finance manager that verbally agreed was not in that day. We then came to the agreement that they would call us the next morning immediately to advise us of XXXX schedule. They never called us and a few days went by. We waited 3 days for their call and that Saturday morning the vehicle was stolen out of my driveway. We went to the dealership that day to see what would happen with the vehicle and XXXX spoke to us and told us that the financing for the vehicle had gone thru on XX/XX/XXXX and that it was our vehicle. After speaking with him for close to an hr, there was no resolution and we were treated like dirt. We then filed a claim with the insurance company and on XX/XX/XXXX we received a certified letter from the dealership that the financing had not gone thru. This was 6 days after we had gone into the dealership and they had guaranteed that the financing was done and was with the bank. The reason I feel that they pulled the financing again after advising us it was complete was because there is an addition that the dealership puts in place in the contract that states if someone either steals your identity or your vehicle is stolen, they would cut a check of {$5000.00}. I feel they pulled the financing so they could get out of paying that amount to my father. This dealership violated multiple regulations. First, I am not on the agreement or on any documents regarding the purchase of the vehicle, however the dealership had no issues advising myself over the phone of the interest rate, payment amount and terms without discussing them with my father who was the one purchasing the vehicle. Secondly, we were unaware until after looking up the laws that it is illegal to sell a vehicle to someone with open knowledge that they are purchasing the vehicle for a third party with no intent to use or own the vehicle. The finance manager even told us while we were talking about the payments, that if they asked, the vehicle was for him and not for me. As a consumer, my father had no idea that was not allowed but due to the dealership openly knowing that and still allowing us to purchase the vehicle, the were in violation and sold the vehicle under fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: VA

Complaint narrative:
Great Lakes is a contractor for the Department of Education. I am on an income based repayment ( IBR ) plan requiring 120 months of on time payments under the Public Service Loan Forgiveness Program. Great Lakes is skipping one payment every year while they " set up a new payment plan '' and then the payment gets added to the end. Because the payments only get higher every year on the IBR and the interest is accruing, this means a significantly longer time to pay ( an additional 10 months if totaled ) and at an increased amount due to the skipped lower payment, higher back end payment and accrued interest. I was making a monthly payment on the XX/XX/XXXX. This year, they approved my IBR in XX/XX/XXXX, informed me in XX/XX/XXXX, skipped the XX/XX/XXXX payment and then started the higher payments due on the XX/XX/XXXX of each month. Today I attempted to correct their mistake and they told me I was wrong in my point and told me nothing could be done and that correcting the mistake by making an extra payment to cover XX/XX/XXXX would n't count for my Public Loan Forgiveness Plan. This issue has been identified by the Department of Education and XXXX has lost their contracts for the same problems. They are intentionally skipping one lower payment each year in order to add it to the back end for higher payments. This feels like an unfair practice since at no point in time is the loan being " reserviced '', " refinanced '', changing hands or doing any of the other things that normally triggers a financial institution change billing cycles or amounts. However, even if this were the case, they approved me in XX/XX/XXXX, Notified me in XX/XX/XXXX, took XX/XX/XXXX payment, skipped XX/XX/XXXX and billed XX/XX/XXXX. There is no reasonable way that they needed almost 4 months to set up a new payment plan. Please address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pending Company Match
State: FL

Complaint narrative:
a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.

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 monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Receivables Management, LLC
State: NY

Complaint narrative:
Left me a voicemail, then left voicemails on both of my brother 's phones, at XXXX Pacific time. They are claiming I am attempting to defraud XXXX from an account that was allegedly opened in XXXX. Even if I did have that account, which I can not recall, I had a bankruptcy in XXXX, and all debts were cleared. The number they called from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been battling with Equifax for over one year now with disputing over and over an account that was as a result of identity theft. They claim that it 's been verified but that impossible because I never lived at what apartment that company XXXX says and I was in a different city. So basically Equifax looks like they have a business relationship with XXXX and they get paid to keep items on credit reports NO MATTER WHAT. This is very upsetting, and I hope Equifax 's will try to help some of those people that need it. It 's been over 30 days and I still have not received the procedures for verified account, and they 've been dragging on the past sometimes the 45-day mark. I 've attached a police report and other stuff. That this place said, they needed. 

Thank you CFPB! Please keep finding Equifax for deceptive practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureau is reporting a bankruptcy on my report. The courts do n't verify that information. It was pulled from a third party reporting therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.

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 monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Becker and Klein, LLC
State: NY

Complaint narrative:
I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.

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 2017-04-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I received two email notifications from PNC Bank, XX/XX/XXXX and XX/XX/XXXX. Both emails were identidal and stated : " About Your Account ... 
We are contacting you to inform you that our security department identified some unusual activity in your account. 
In accordance with our User Agreement and to ensure that your account has not been accessed from fraudulent locations, access to your account has been limited. 
Please 'Click Here ' to verify your account as soon as possible. 
We take your online safety seriously, which is why we use state of the art notification systems to identify unusual activity and a challenge process to validate your details. 
Thank you for your support. '' I did not click on the link to verify this account because I have never had a PNC account of any kind. There was not a toll free number to call about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.

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 2017-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
Told them on phone this was place of employment do not call this company number. Calls 3 times a day every day. This is logged on my XXXX phone. I am XXXX and asked for letters by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: PA

Complaint narrative:
Dynamic Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Attempting to collect zombie debt. I have filed a complaint with my State Attorney General, documentation was sent proving SOL has expired. 

Review found on the internet : Just received a call from this 'company ', robocall and then probably a 45 second pause to a live person asking for my husband. I said WHO IS THIS? The lady responds DYNAMIC RECOVERY SOLUTIONS? May I leave a message for your husband? I said no, this is a scam call, she said OK Mam, goodbye. Yeah, blocked that number. I do n't have unpaid debt out there. Probably something that 's over 15 years old. Ridiculous. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a call from a XXXX with Dynamic Recovery Solutions, He left an XXXX but also a local number XXXX on XX/XX/2015. 

He had ALL of my information. My previous address, my social security number and said I owed for a XXXX XXXX credit card. He said he would be sending me a statement in a plain white envelope. I called the XXXX XXXX credit card fraud division and they confirmed they found nothing with my name, address or ssn. 
I called XXXX back and he answered! I informed him I spoke with XXXX XXXX fraud division who stated they do not sell debt or use outside collection agencies. This fool says, they did this is a 14 year old debt! I said you have got to be kidding, I am calling the police and I have never heard from him again! And Ii never received that plan white envelope either.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.

Company response to consumer: Closed with explanation