vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!

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 2017-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BHFC Financial Services INC
State: CA

Complaint narrative:
I entered into a automobile loan agreement with BHFC Financial Services  XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice)  I notified the company in advance. Beginning in  XX/XX/XXXX  I made several attempts to payoff the balance of the vehicle due to its high interest rate (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I wanted to take my money out of my coinbase account, but i am unable to do it. They are n't replying to my request on gmail and XXXX. I have been trying to contact since months but no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.

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 2017-07-30 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Requested onXX/XX/XXXX that my insurance be removed from escrow account. Provided written documentation that I had changed insurance companies, provided new insurance company name and policy number. XXXX statement included insurance in escrow, so I paid in full. XX/XX/XXXX requested update and responded to a XXXX  appraisal stating property only worth XXXX with a XXXX appraisal showing XXXX value. Received XXXX mortgage statement still requesting the insurance payment included in escrow, though I also received a letter on XX/XX/XXXX from Loancare LLC acknowledging my new insurance and stating it is my responsibility to arrange for refund from previous insurance company.

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 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX has requested additional information for XXXX XXXX  XXXX Checks whose book number is XXXX, XXXX, XXXX ( XXXX missing although all checks issued within 2 minutes ) which included a check payable to XXXX XXXX XXXX and XXXX XXXX XXXX so that they can locate a missing account funding checks which they say are genuine but were not funded from a known account.
They have not confirmed whether they were cashed and no endorsement shows at XXXX.
I am asking for a record of the transactions for these checks. A log must exist with an indication of the transfer of funds for the XXXX XXXX XXXX 's checks.
The social security number ends XXXX for XXXX XXXX who was the trustee of a family Irrevocable Wealth Trust and a trust for XXXX XXXX and a trust for XXXX XXXX. I attach the trust instrument designation for me XXXX Family Trust and a record from XXXX XXXX  for XXXX XXXX XXXX, no trust instrument in existence, for which I am indicated as trustee, social security number ending XXXX. XXXX XXXX may contact me XXXX with any additional requests for assistance. This is only a suggestion as to the source.
XXXX XXXX must state whether the funding was transferred from an internal trust account.

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 2017-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-30 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: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXXXX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Previously under monthly {$5.00} in come based repayment plan with creditor for {$7000.00}. Loan debt. Account transfered to navient creditor.Now receiving bills saying i owe $ XXXX.asked for documenta to continue monthly plan with no response. Currently only ma ke XXXX $ an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.

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 2017-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Mortgage Started as ab line of credit, economy crashed and started to have financial difficulties. We received a letter from Citi Mortgage stating they were closing all lines of credits and had to pay it off, or convert to mortgage. We had no choice.
My husband and I started the paperwork seeking loan modification and we also made a large payment to catch up. We thought we would finally have our modification completed by now. It has been about 1 1/2 years by now.
They keep asking for more and more information to submit, resubmit over and over again etc. We are hoping for the relief this modification will bring us.
I am a 12 year XXXX XXXX  survivor and the stress dealing with Citi Mortgage is causing such stress.
XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX, N.J. 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 non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for and received an individual and a business credit card from American Express cobranded with XXXX XXXX. As part of sign up promotion American Express offer clearly states that I am entitled to a five night and two stay credit with XXXX toward elite status for each card ( individual and business ) .see attached terms and email confirming terms from XXXX . I received credit for XXXX  card but not the other over one month after account opening. I contacted American Express on XX/XX/XXXX requesting the credit. AMEX representative acknowledged the terms but told me to contact starwood. I contacted Starwood ambassador service XX/XX/XXXX and received an email response ( attached ) telling me I need to contact AMEX. I contacted AMEX on XX/XX/XXXX and spoke with representative named XXXX who told me that XXXX is responsible for this award. See Amex terms that clearly lay out this offer. Since this is Amex terms and the card is cobranded AMEX card I request that Amex fulfill its obligations as per attached terms. As per attached and link below https : //www.americanexpress.com/us/credit-cards/personal-card-application/terms/starwood-preferred-credit-card/36501-10-0/? pznOfferCode=PJCL-2EYIDA-1EV3-H6X & print # offerBenefitTermsDisclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a XXXX Credit card that would be issued through Chase Bank onXX/XX/XXXX. I recently pulled my annual credit reports and found there are additional hard inquiries for Chase Bank that I did n't authorize. They are showing on my XXXX and XXXX reports. On my XXXX report, it shows the address associated with the inquiry. The unauthorized inquiries are associated to an address that I moved out of in XX/XX/XXXX. the unauthorized inquiries were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XXXX 2014-XXXX/2014 me and spouse resided at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX XXXX, 2014 my car was broken into within the garage on same property resulting in damages to tire nd exterior upon requesting leasing manager review camera to identify assailant was informed that there was no camera within parking garage. My wife and I got intimidated and request that our lease be vacated and we be allowed to move without penalty such as eviction or collection for future rent amount, the then leasing manager a XXXX XXXX XXXX XXXX  gave verbal permission and also signed an agreement for date we should vacate same property upon which we complied as such was XXXX/XXXX/2014. Five ( 5 ) months later we receive a notice from a collection company demanding a estimated amount of over {$8000.00} each for unknown debt, we have gotten an eviction notice from a court and we have in our possession written agreement signed on XXXX XXXX, 2014 giving us permission to vacate same property we were never warned about impending collection of debt we have also sent to the collection agency copies of several letters with leasing manager signature complying or in agreement for us to vacate the apartment building on or before XXXX/XXXX/214. We can furnish your agency with said copy also several attempt as been made through all XXXX ( XXXX ) credit reporting agency without them taking acting on our behalf.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I believe the reporting requirements for the Interest rate repayment plans are not clear. I was never told I needed to file an IRS form to my student loan and was NEVER contacted by phone. I was only emailed to an email box that is full of junk email, and received only one letter. As a result, my payments started to accrue ( I WAS STILL UNEMPLOYED ), and I was recorded as delinquent. This has reduced my credit score almost XXXX points.
Nelnet refuses to remedy this action. The customer service support was rude, self-aggrandizing, and ARROGANTLY PATRONIZING. This SHOULD NOT BE the attitude of a government loan servicer!
Additionally, they should have known I was still unemployed as they can see I have no XXXX or similar, but clearly, I should have been called when my account was seen as delinquent.
THE WORST THING IS ... NOW THAT I HAVE SHOWN PROOF OF MY CONTINUING UNEMPLOYMENT, MY SCORE SHOULD NOT BE IMPACTED AND I SHOULD GET CREDIT FOR THOSE MONTHS UNEMPLOYED! I intend to work for a nonprofit and I need all the months I can get as my job ( ONCE I EVEN GET ONE ) will not be highly compensated.
The fact that I was treated rudely and disingenuously by an individual at NELNET when I went to clarify this problem is just sickening. THESE ARE THE KIND OF MISTAKES THAT LEAD PEOPLE TO BELIEVE ARE COUNTRY IS FALLING APART! The person who delivered such patronizing customer service should be reprimanded and put on watch!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I have a checking account with BBT. ( they recently bought a local bank who I never had a problem with ) I looked at my X/XX/17 statement and I noticed a check # XXXX for {$10.00}. I had no idea what that check was so I contacted the bank. I received and email from the branch manager stating it was check XXXX converted. I pointed out to her that if she looked at the statement, check # XXXX cleared for {$10.00} on X/30 and they also took out {$10.00} as check # XXXX. Same amount same business. This is the third time a small amount of a check was converted into a check i was n't familiar with. I asked if the bank was doing this to all customers? Is someone there stealing small amounts of money out of peoples accts in a " converted check '' form? Its only {$10.00} but its my {$10.00} and this is the third time this happened and who knows who else this is happening to. The money is still not in my acct and I have not heard back from anyone. BBT at the XXXX XXXX XXXX PA location was the one I was dealing with and I also emailed corporate.

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