vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been attempting to remove PMI from my mortgage for about 18 months. The mortgage servicer, Huntington Mortgage Group, will not consider the original appraisal of my property ( {$120000.00} ) but  only the refinance value of XXXX 
The original mortgage was closed on XX/XX/XXXX and this loan was refinanced on XX/XX/XXXX, through the HARP program, which did not require a new appraisal. 
I currently owe {$96000.00}, significantly less than 80 %, nevertheless the Company is requiring a current appraisal, at my expense, with a cost of {$380.00} by their referred appraiser and no guarantee of it being a fair and valid one. I am unable to afford this. 
According to XXXX XXXX XXXX the current value of my property is {$130000.00}, according to XXXX it is {$150000.00}. 
It does seem odd and quite unfair that, for taking advantage of a federal government program ( HARP ), I am being penalized, since, if I had nor refinanced there would be no issue on the cancellation of PMI based on the original purchase price, with no need of an updated appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I looked at my FICO score on my WellsFargo.com accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between 825 and 850, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called Wells Fargo. After several minutes ( 23 actually ) to get through the hold, I was told " that was XXXX, not us '' and I'd have to call XXXX. Wells did connect me with a team to file a complaint against XXXX. which took up hours of my day. So I call XXXX  and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is Wells Fargo, not us ''. XXXX. When I explained to her that I ran my XXXX   report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't XXXX PRODUCE the information? ) and Fair Isaac Corporation was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from Wells Fargo.com. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both Wells Fargo and XXXX  what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I have been trying to work with Transunion for several months regarding a recent omitted information pertaining to my personal credit record. To date I have received no resolution to the matter. They have omitted a positive tradeline from my credit file and are willfully not reporting. This omitted information is making my credit file appear to have limited years of credit. I have had a tradeline with XXXX  / XXXX since XX/XX/1999 with a perfect credit history. The only correspondence that I have received is response from transunion trying to blame XXXX/ XXXX XXXX for the error. I reached out to XXXX/ XXXX and they confirmed that they are making the reportings to all three bureaus every month as they always have. They advised me that they had no dealings in removing this from my report last XX/XX/XXXX and have notified Transunion to update accordingly. It is my belief that Transunion is willfully not reporting and it is damaging my credit history. Can you please help me resolve this matter as Transunion is unresponsive to the matter. 

Thanks, 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 2019-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower  who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. XXXX has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, XXXX assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver -  wherein the co-borrower is required to pay XXXX to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. 
XXXX is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because XXXX has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 a withdrawal of {$600.00} was made to my checking account. The withdrawal happened at the Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA. According to the Chase representative, that withdrawal happened around XXXX XXXX that day. I was notified of this while I was with my brother in XXXX. He and I have a joint bank account. I made a claim with Chase letting them know I was not even in XXXX at the time and that I did in fact have my card with me. I cancelled my card in that same call I made for the claim. I was there with my brother for a convention and just spent the rest of the day there until almost midnight since the morning. So they finally contact me again about the claim asking me the same questions they did when I first made the claim. I can't remember every question nor the exact wording but it was along the lines of this. How much was the disputed amount? Did I have the card with me? Did I authorize anyone else to use the card? And I answered it the same. It was for {$600.00}, I did have the card with me, and I did not authorize anyone else to use the card. Next time I hear about the claim all it was was a letter saying that {$600.00} ATM withdrawal on XX/XX/XXXX was authorized and the claim has been closed. So I called them to ask what can be done. They told me to submit documents proving I was there. I submitted the two tickets my brother and I bought, the schedule for convention, and the bank statement that showed the account was charged at a XXXX XXXX in XXXX. I submitted these to reopen the claim and then received the same letter saying the claim was closed as the transaction was authorized. From all the documents I submitted not one had my name on it, only my brother 's name and his card being used not mine. My E-mail was used for the receipt of the two tickets but that was not good enough for their investigation to prove I was there. Now they say the claim will remain closed unless I can submit new documents or information proving I was there or file a police report so they can review the footage of that transaction at the bank. I attached a picture showing a scheduled dance for XXXX the event I was in XXXX for. As well as a video of the dance itself. Another example that I was there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE : Regarding a Reported Delinquency in XX/XX/2015. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Capital One for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted in to email alerts just to provide an added layer of redundancy. 
Your records will show that in XX/XX/2015 was the only time I was late. I had never been late with a payment until this unfortunate oversight. I have been prompt with the past XXXX monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.

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 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I applied for a payday loan with this lender as I have used them in the past few months and have always paid them what I owed them. For the month of XX/XX/XXXX they funded my account in the amount of {$250.00} on XX/XX/XXXX and I had taken a loan from my 401k to  pay off my loans and the check was deposited to my account so I didn't notice that Speedy Cash debited my account 2 days later in the amount of {$300.00} but I did notice it about 5 days later. Since I no longer needed the funds I did not call Speedy cash to ask why they debited my account and assumed that I may have entered the incorrect due date so I let them take their funds and considered them paid in full on approximately XX/XX/XXXX or XX/XX/XXXX I received an email from them stating that my loan was due on XX/XX/XXXX. Immediately called them and the representative I spoke with told me that since a bank statement wouldn't be available yet screen prints directly from my online accounts would be sufficient. I received no response to my email. I sent it again a few days later, no response. I send it today as a word document and receive an email saying a word document is unacceptable to send it in PDF format. I send it in PDF format, I receive another email that my PDF is insufficient and that a screenshot I was told would be sufficient is not. Now a full bank statement with my account number showing, which shows all of my bank transactions are needed. Every single time I send something they come back requesting something more. I have sent them an email in writing revoking my authorization for them to debit my account any further as I owe them no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XXXX of 2018 Ditech Financial claimed all of a sudden that I had a shortage in my escrow of approximately {$750.00}. How is this possible. The math doesn't add up. My payments have gone from {$530.00} to {$730.00} a month! No one will give me answers and customer service is almost non existent. I need this resolved immediately!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX, I replied to someone selling tickets for a concert in XXXX. I've uploaded the text messages below. I sent the recipient {$350.00} for a pair of tickets through Chase XXXX. The recipient notified me they were going to transfer the tickets through XXXX. However, they didn't follow through. I contacted Chase support about 3 minutes after the transfer to rollback the transaction. However, Chase notified me that I was out of luck and there's nothing they could do. They told me to notify the police and that there was nothing the could do. I called the local branch and they told me to call customer service XXXX number. I was told to go around in circles with nobody helping me. I'm frustrated and upset that they didn't do anything since I sent the money that is a Chase customer. They have this person 's information but told me they were not able to reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, Citi Card ( XXXX  ) lowered my available credit from {$2100.00} to {$1700.00}. My balance was at the limit when they did this. As a result, I am now {$500.00} over the limit and my mmp is {$620.00} this month. To put this in perspective, below are the last 5 MMPs ( prior to the reduction in limit ) {$82.00}, paid {$140.00} {$76.00}, paid {$160.00} {$65.00}, paid {$80.00} {$78.00}, paid {$160.00} {$86.00}, paid {$120.00} I am experiencing financial difficulty with other creditors, and I do not have the money to make a MMP that is 800 % higher this month than prior months, all because Citi lowered my limit. When I called to ask for help, I was told that I had to go delinquent first, and then they would consider offering payment options. How is it acceptable for a Credit Card company to view a consumer as a credit risk, and then take action that actually puts the consumer in a position to where they can't pay and forces them delinquent?

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Previous addresses includes unknown address. Four years were added to my age. I am aware of a person who has similar data to mine who has used my credit over the past 30 years. ( Ive never had a XXXX XXXX ). I looked her up myself. It seems that shes found XXXX. I didnt see signs of her breach unless it is in the XXXX XXXX report which I did not recognize- but was good. Im hoping that I am getting I D protection provided by the Fed Government where I was breached twice. I could not see that addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX RE : Regarding a Reported Delinquency. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of XXXX XXXX for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted into email alerts just to provide an added layer of redundancy. 
Your records will show that in 2015 was the only time I was late. I had never been late with payment until this unfortunate oversight. I have been prompt with the past two monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.

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