vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Been long time good customer with XXXX XXXX since 2011 and was charged annual fee of {$45.00} my account has been paid off for awhile, I do n't even use this card. I noticed the charge called asking them to waive it for me and neither the customer service or manager would do anything for me so I closed the account. Very upset I have to pay this {$45.00} fee when I was just charged and not even going to use the card because I closed the account. NOT HAPPY!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. 
My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. 
Thank you for your time and service. The CFPB is the reason consumers have a voice today. 
My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
Consolidated Recovery System is reporting collection/chargeoff for XXXX balances, all for one month and year. 

One company XXXX I am not familiar with at all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the 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 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an issue with how Transunion determines my score and what information they show on the report I purchase. I pay for a monthly service and check my score to make sure it is trending positivly. I have called Transunion on two different occassions because it states on my report I have XXXX deliquinant account. But no one can tell me what that is and the report reflects all accounts as current and have been so. When I try to determine why there is such a large swing in my score, from XXXX to XXXX and the only thing that has changed is they updated an address for me. And one that had changed over 6 months ago but they are just now getting around to updating it. The address change they show for XXXX XXXX was my address for the past two years prior to XXXX XXXX. How they report information directly impacts me. Yes, I had issues relating to a seperation in XXXX but I have worked very hard to repair those items. XXXX, XXXX, and XXXX I have paid accounts off, balances down, all positive steps. However, I do not understand why them lagging in reporting accurate information impacts me so negatively. Just because they report an address change within two months, does not mean I moved twice in two months. If credit reports are going to be considered for potential job opportunities, insurance, and credit worthiness, there must be accountability for those who are tasked with those determinations. It should not be so hard to try to correct issues with their reporting when a person does not have control over how they obtain the information or when.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In 2014, Navient did not consolidated my student loans correctly and ( although I called multiple times a week and documented my phone calls for my own records ) it took almost an entire year to correct. I was told to put the loans into forbearance until their error was corrected and I ended up having the interest that accrued during months of forbearance applied to my principle amount. Navient also miss calculated my payments and set me up with a payment plan that paid less than the monthly interest that accrued. After a year of making the payments they told me to make, I owed more than when I started. Numerous times I asked for a record of how my payments were being allocated to the total loan amount and was never provided a way to see this. After over a year of struggling with this company, I transferred all of my consolidated loans to a different provider. I still have XXXX unconsolidated student loans with Navient which makes me uncomfortable. I do not believe my account was managed appropriately and I believe ( despite numerous attempts to fix this via phone conversations ) Navient did nothing to fix my account because they were able to profit by not fixing it. I was scammed. I have documentation of when I called, who I spoke to, what was I was told, and how nothing was done to fix my account. 
This was for XXXX loans I took out while attending XXXX XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Credit card as of XXXX the balance was {$23000.00} which consisted of {$8000.00} at 19.49 % and {$15000.00} at 0 % I made an extra payment of {$8500.00} which I wanted applied to the entire high rate balance. I also made {$900.00} in regular payments as I do every month. On my XXXX statement I still have {$2200.00} at 19.49 %. My large payment was not applied to the higher rate balance and I did not make any additional purchases or advances. I just called and they refused to fix this and just said that is how they do it because of the timing of my {$8500.00} payment they consider it my regular payment and applied it as they pleased. I realize that this is not a lot of money but if they regularly do this it adds up to a lot of extra money for them and it 's not right.

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 2015-06-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues. 
Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs. 
I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated. 
I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio. 
This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance. 
2. Implied was that the old card was to be replaced going forward. 
3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one. 
4.Financial and reputational damage is incurred. 
Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment. 
Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I fell 2 months behind on my mortgage and requested a loan mod from the servicing company, XXXX XXXX XXXX. I was told I was not eligible. The rate was 6.75 % but the payment was interest-only, $ XXXX/month. Later that month I called to make a payment and it was refused, even though I would have been only 1 payment behind. I re-applied for a modification while they refused to accept payments for another 6 months. I appealed to every agency I could for help. Finally XX/XX/XXXX, I was told to make a downpayment of {$22000.00} to be eligible for a loan mod. Instead, I recieved a Forebearance agreement demanding another {$29000.00}, and higher payments of $ XXXX/month. Since then, all of my money has disappeared. The {$51000.00} that I paid was ADDED TO MY PRINCIPAL BALANCE, and the money just disappeared-as did the employee who had been the main contact. I borrowed more money to hire an attorney to help me who was absolutely WORTHLESS-didnt listen to or review anything, just sent out the same letters I had already sent. I have prof of the wire transfers where these crooks stole my money. Now they have sold my loan. WHY CANT YOU STOP THESE CRIMINALS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I requested verification of debt but never received ( i.e.contracts, signatures, identification ). Collections remains on credit report as verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Group & Associates LLC
State: OH

Complaint narrative:
This company Alliance Group and Associates, LLC has contacted me on numerous occasions over the last 2 months, about a debt that is not mine ( it is supposedly my husbands ) They are extremely rude and hang up on me when I am trying to get verification. One particular man XXXX XXXX threatens and terrorizes. I have looked up his phone number and found several other people who he has terrorizes as well. A woman named XXXX refused the let me speak to a manager, and hung up on me. A man I spoke to this morning said he has worked there for 30 of his XXXX years on earth as well as being a XXXX veteran. I have asked for verification several times. They tell me they can not and will not verify until there is a payment made. No payment will be made until I receive verification. They tell me that the laws I have researched extensively are wrong that they do n't have to verify anything. It has already been done. I am now the one who pays all bills as well as the one they need to speak with I verify all information they need but they refuse to do the same, I have asked them to stop calling me since it is not my debt but they refuse and especially XXXX XXXX has told me that he will continue to call and harass me even though I am not the one who owes. Been hung up 4 times and people refuse to allow me to speak to a manager. All very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated.

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 2015-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
CHARLES Schwab sent me a fake check caused my credit problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Please refer to original complaint case number XXXX. 
Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Professional Recovery Management
State: TN

Complaint narrative:
FOX Collection Center has been assigned to collect a debt for XXXX XXXX XXXX in XXXX, TN. This is for a medical procedure my husband had done. 

They communicate with us thru mail and also our cell phones. Today XXXX, Fox attempted to contact me & my husband during our work hours on our cell phones. They chose not to leave a message. Was n't long when my husband received a phone call from HIS EMPLOYER that he needed to call a certain number!!! 

FOX COLLECTION CENTER has chosen to leave a message with my husband 's employer instead of on our personal phone lines, which they have, which does have working voice mails. 

Therefore, I 'm filing a formal complaint against them for unfair business practices. There was absolutely no need for them to leave a message with his employer. That could have been done when they called both our cell phones right before that!!! 

And as a side note, we have NO IDEA where they even got his employer information. We never gave it to them. This is very unfair and strong arming should be against the business practice of collections!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation