vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Management Partners LLC
State: SC

Complaint narrative:
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting 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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion and spoke with a agent and explained that I was not aware these inquiries and it looks like something suspicious is going on .She told me to contact these companies directly. That was n't very pleasant thing to say because when I tried to call these companies they do n't know how to handle my call and end result, I 'm on hold for several minutes and then they tell me to contact the reporting agency. 
I would appreciate if someone can please remove these unauthorized inquiries. 
Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX 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 2017-09-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except XXXX and i have attached the same letter over and over again, i have also verified with the creditor wells Fargo and they have sent the notification many times please have XXXX change their reporting 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 non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: NJ

Complaint narrative:
We had a loan with XXXX mortgage. We ran into personal issues and I left my job as a XXXX to care for my mother. We called XXXX they offered a Loan modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by XXXX. But the XXXX payment is showing on time. We had a full offer on our home and XXXX gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. XXXX said we never completed the XXXX Modification process. The loan modification process was started XXXX XXXX, We sold our home XXXX XXXX, XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with XXXX. When on XXXX XXXX XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, Transunion and Experian. This has been a nightmare. We are trying to get into a less expensive home. XXXX refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.

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 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
This is the 3rd time I have had to file a complaint against XXXX XXXX XXXX. 

They continue to send me letters demanding money that I do not owe. I feel they have broken the law and this company needs to be reported or fined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CO

Complaint narrative:
I borrowed {$46000.00} total by the end of my bachlor 's degree I was on medical bed rest three times during the last 12 years and while I repaid the loan as I could when I was working and sent in full disclosure tax documents to my lenders, they have defaulted me twice, and are threatening to do it again I just want to get the original loan paid, {$46000.00} turned into an {$83000.00} debt, and I am not a doctor, and consequently did n't quite complete the XXXX XXXX XXXX XXXX that I was pursuing. 
It 's a mess. 
Thanks again for your time. 
XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries that I did not give consent to run my credit. lease remove them from my credit report. I have no knowledge of these inquiries and there is not account attached to them. Equifax is stating that " inquiries are a factual record of file. How are these inquiries factual when I have contacted the creditors and the creditors have no account. Furthermore, they have no knowledge of me doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: KS

Complaint narrative:
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with all 3 credit bureaus and ultimately had to file a complaint with the better business bureau to have the issue properly addressed. Equifax was in the process of investigating my dispute at the time therefore they were not included in my complaint ; at this time, they have resolved the dispute and the resolution was to change the payment history to " current '' for only 2 months out of 15 months that show derogatory information and to change the remarks on the account from " student loan permanently assigned to government '' to " consumer disputes after resolution ''. All other credit bureaus have reviewed the documentation I supplied to show the loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education and they have either removed the account entirely or removed all late payment history from the record yet Equifax has only removed 2 months of late payment history. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...

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 2017-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have 3 cards with Barclaycard. Previously they were in good standing however all of a sudden Barclaycard decided to close all my accounts and triple my minimum payments. they have been also adding a lot of extra fees and interest. I am a XXXX XXXX XXXX veteran who has been going through severe medical issues and this company is trying to capitalize on my misfortune. I have been diagnosed with XXXX a severe life long XXXX XXXX that has affected my ability to work full time. 

Instead of working with me Barclaycard pushes my balances higher and higher with exhoirbanant fees and interest. This company is a heartless being. I have repeatedly asked for a lower payment plan and lower interest rate but they refuse. 

Then on top of my medical issues Hurricane Irma hit my area and resulted in damage to my home. Again, no relief from 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 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
This company has over charged me for a car that isnt worth XXXX i paid a good amount down but they continued to over charge me in financing and everything ... I deserve to have this car reduced by alteast XXXX. I am very XXXX and tired of this company and i will be filling a report with the national attorney general office about this company they take advantage of people who dont have very good credit and just stick us into stuff

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 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2017-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.

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