vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX discharged Chapter XXXX Bankruptcy for a XX/XX/XXXX {$88000.00} home equity loan. Original obligation has not been discharged under Title 11 of the United States Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much

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 2017-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
SageStream , LLC ( who ever they are ) was used by XXXX XXXX on a car purchase. With all the major CRA I have high scores and good credit. These Sagestream people report a much lower score which denied my deal.
When I contact SageStream all you get is a recording and nobody ever calls you back.
In order to get a copy of the perverted information they say they have on you, they want you to send in all types of copies of identification. How do I know who these people are? Every Law enforcement agency in the country says DO NOT GIVE ANY INFORMATION to people or companies you do not know.
All the other CRA 's have a online or phone system to see your information if you were denied credit. Not these phonies. Why do you allow companies like this to exist? They should all follow the same rules.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: VA

Complaint narrative:
On or about  XXXX   XXXX , I went on line looking to refinance the mortgage on my primary residence in  XXXX , VA. I was contacted by  XXXX   XXXX , a  professional mortgage consultant for Wyndham Mortgage Company. I was asked to send a n umber of documents which I sent priority mail for {$20.00} to  XXXX . After reviewing the documents,  XXXX  informed me that, based on my income, I would not qualify for the {$410000.00} loan I was requesting. ( He obviously did not look at ALL my income-just my earned income ). So my daughter and her husband accepted to co-sign the loan for me. My daughter sent all the required documents priority mail for {$29.00}. I had an appraisal done on my residence. Everything was working well. My rate was locked in  at 3.625  until  XXXX   XXXX ,  2016 .  XXXX   XXXX  was processing the loan. The first thing she did was asking me to send to her ALL of the documents I had already sent to  XXXX . Then she requested from my daughter  XXXX  and her husband  XXXX , on  XXXX   XXXX ,  2016 ,, the very same documents that she had mailed for {$29.00} BECAUSE THEY HAD LOS T THEM.It took another 3 months for the staff at Wyndham to work on the case. By then my locked- in rate was gone. The interest rates increased and I received this message from  XXXX  on  XXXX   XXXX  : I was able to review the file and talk with  XXXX  ... ..but I ca n't figure out what happened to the documents from your daughter that were scanned into the file from the front desk. '' At that point my patience ran out and I told  XXXX  to forget the whole thing. I then went to the  XXXX   XXXX   XXXX   XXXX . The first thing they told me is that I DID qualify on my own. However, the rate was   4.325. They approved my loan in a few day
s. I just want you to make a   note on how Wyndham does business. Thank   you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.

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 2017-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I originally filed a complaint under  XXXX . The company responded and closed my complaint. I have an issue with their response. In it they advised they reached out to me and informed me of who to contact to try to handle this issue. That is further from the truth. I  received one sing le call from  XXXX   XXXX  who advised me that they received my complaint and I should receive a decision via mail and if I had further questions to contact him at  XXXX  extension  XXXX . I asked  XXXX   XXXX  if they will be able to lower my payments, g o twelve months with no interest, or even a possible settlement, but he advised me he did not know and that I would have to wait for the department who handles these issues to reach out to me. The only reas on he called was to save face that he contacted me, yet offered NO resolution. He provided false information to the CFPB in their correspondence under my last case number since he did not provide me collections, or any information during that phone call. All my information came days later when the CFPB showed their response and attached letter from the company. That phone call was only to let me know they received my complaint and that was it.

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 2017-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This is my third complaint submitted I am requesting my original note and all documentation from  XXXX   XXXX   XXXX  and  XXXX   XXXX  because on my current modification the amount placed on the back end do not match my accounting records.   I sent in a writing request on  XXXX   XXXX , I called  10 times e ach time they say they can not find my paperwork. I then submitted complaints and the company on  XXXX   XXXX  sent me a copy of my current modification. That is not what my complaint is asking for I would like to review original documentation and current modification to show them that there calculation are off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My ex husband added me to his XXXX card as an authorized user before we were divorced ... XXXX will not remove this fir me. Equifax is also refusing to remove this. I am not responsible for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My ex husband added me to his  AMEX card as an authorized user before we were divorced ... .Amex will not remove this fir me.    XXXX   is also refusing to remove this. I am not responsible for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CORNERSTONE MORTGAGE, INC.
State: KS

Complaint narrative:
XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2012 I receiv ed a letter from IRS with some owe balance for a place I have work in the past year.Icall them right away to find out they ask me if I have work in that company and I did not recognize so they star an investigation at the same time they suggest me to check my credit report and I fund about  XXXX  accounts open with my information so I star working with the bureaus   XXXX   XXXX   help me lot but Experian Is been a bad experience because every time I called they ask me to mail the same documents over and over and made modifications but is not working I feel like bounce ball between Experian and This companies last time I spoke with experian They ask me to file a new police report with account information and this will remove everything from my file so I sent my FTC report Police report copies from IRS as a proof that I was victim of Identity thief, I need your help to get my relief in my credit situation Thanks for your time

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 2017-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
After getting behind on payments to  Navient  2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around  XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the  Navient  withdrawal, I immediately cancelled that authorization.  <P/> Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by  Navient  was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early  XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e.  WITHOUT automatic withdrawals.  <P/> However,  Navient  has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year.  <P/> In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2  separate occasions,  XX/XX/XXXX  and  XX/XX/XXXX , they contacted  2  of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on  XX/XX/XXXX  my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents.   arly last month I received a letter from the  Vice President fo r  XXXX   XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Trying to u se s se rvice the bank has not responded to the request it 's been almost a week

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: CT

Complaint narrative:
I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I use an app called   XXXX   XXXX    Well Fargo is really bad about updating my bank account info for the app to be able to work I keep getting errors that Wells Fargo has not updated my bank account deposits. I have called Wells Fargo and asked about why they take so long to update my information and they say they will have it updated very soon. Same problem every time I get paid. Along with this I recently opened my account I have not had an account since 2004 when I closed my account I opened a new one recently but my debit card says I 've been active since 2004 I have not used Wells Fargo in a very long time and when I asked about my question gets ignored.

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I t is 2017 and I have repeatedly asked all   XXXX   credit bureaus to remove old accounts and ones that have been paid and  cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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 2017-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In  XXXX  of this year I accidentally failed to pay {$18.00} on a total credit card bill of {$5300.00}. ( I pay my credit card bill in full every month so this was an a one-time oversight. ) On  XXXX   XXXX ,  2017 Chase charged me {$22.00} in interest for the {$18.00} underpayment. I complained to the company, Chase, but they refused to reverse the charge. To be charged this amount of interest on such a small unpaid balance  is usurious, even if the rules allow them to do what they did. I went ahead and paid the full amount due of {$3300.00}, which included the {$22.00} in interest. I assumed that this payment in full would prevent future interest charges.     Much to my surprise, on my  XXXX   XXXX ,  2017  statement they charged me another {$31.00} in interest. Again this charged stemmed from a slight-of-hand   where they are allowed to charge interest on the average collected balance in months following the underpayment.     I complained today and was told that they would credit back the {$31.00} in interest. I would like the remaining {$18.00} refunded and more importantly I would like there to be a regulation promulgated to ban this type of usurious behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.

Company response to consumer: Closed with monetary relief