vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 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: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I do not have overdraft protection selected on my account. Chase bank went ahead and let XXXX withdrawal automatically from the account. on XX/XX/XXXX of {$11.00}. I was then hit with a {$34.00} overdraft fee and that has now been extended to {$54.00} extended overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: NJ

Complaint narrative:
I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from  $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.

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 2017-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
ask for lower payments ask for repayment plan and keep forcing me into forebearce told them i ca n't afford the XXXX payment they refused to help me but call me 10-15 times a day about money all times of night

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we attempted to use XXXX 's store credit card which we have had for years at XXXX 's XXXX XXXX - XXXX ( in California ) and we were told the card had been canceled ; but, not worry just open a new card account ( and enjoy a 50 % discount on the two purchases we were making ) which we agreed to do. After over about 45 minutes of trying to have our personal data be entered into the store cash register and having to talk with an store supervisor and talking to someone in XXXX 's credit department the process was completed. The discounts were to be reflected on our first statement. The merchandise was not carried out of the store. It was to be delivered to our home by XX/XX/XXXX. 
We had to call the store on XX/XX/XXXX as the merchandise had not arrived as promised. After half an hour on the phone a supervisor told us the merchandise would be delivered immediately. She also assured us the charges would not be on our credit card until delivery was confirmed and we would see the charges and discounts on the monthly statement in XX/XX/XXXX. 
We received the merchandise on XX/XX/XXXX. 
On XX/XX/XXXX XXXX from the collections dept. at XXXX 's called and threatened us with a credit report notification if we did make an immediate payment, over the phone, of almost {$300.00}. We explained all of the aforementioned and said we have not received a statement. We asked to speak to a supervisor. XXXX XXXX came on the line and said she was sorry for the confusion and not worry as she would send a statement ( they had an incorrect address and the statement and our new credit cards were returned ) re-issue the cards. All we needed to do was pay the amount on the statement, or minimum payment, when it arrives in 7 to 10 days. 
The statement arrived in our XXXX XXXX on XX/XX/XXXX. The statement indicated only that we had past due charges, new late fee charges and interest charges. We planned to call XXXX 's during business hours on Monday. 
At XXXX today, Sunday XX/XX/XXXX XXXX 's collections called and again said we were delinquent and wanted immediate payment of {$240.00}. Supervisor XXXX XXXX said if we paid {$210.00} all would be forgiven and we gave her the info she needed to withdraw that amount from our checking account which we authorized fearing having our credit being distroyed. We have called and emailed XXXX ' CS with no response.

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 2017-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

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 2017-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Per instruction, My husband and I opened two joint accounts in Citi Bank on XX/XX/XXXX and XX/XX/XXXX, and totally deposited more than $ 350K into Citi to qualify its advertised promotion program " XX/XX/XXXX Lunar New Year Promotion '' for Tier 4 ( $ 300K+ ) reward. According to its term, the reward will be available for customer to pick up at their branch by XX/XX/XXXX. But it never came. I contacted XXXX XXXX, Citigold Relationship Manager several times ( Please see attached file for email correspondences ), his first response to me on XX/XX/XXXX was : " We still waiting for more shipment. But I will put in request to see when they are coming '' Then on XX/XX/XXXX was " So sorry XXXX XXXX, we been having problem with our promo department. I will call once it come in '' Then on XX/XX/XXXX, He called me and told me that the Citi promo dept does n't think I am qualified for this reward, because one account primary hold is under my husband name. This is totally not acceptable, as such a rule has never been disclosed or clarified in their promotion advertisement. Even their account manager XXXX XXXX, who handled our accounts does n't know such a rule or he is not trained properly to be aware of such rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX 2017 three fraudulent withdrawals were made from my account. A total of {$7000.00} was withdrawn from my checking account. I immediately contacted Bank of America to inform them that the transactions were fraudulent and submit a fraud claim. My claim has been denied despite the fact I have supplied evidence proving that the could not have been made by me and are therefore fraudulent. I am happy to supply this evidence to you if it would be helpful. My understanding of Reg E is that my liability as the victim of fraud is capped at {$50.00}. Bank of America continue to refund my money despite my repeated efforts to resolve the matter.

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 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: OH

Complaint narrative:
When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: IN

Complaint narrative:
I have tried reaching out to XXXX, EQUIFAX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and  from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX closed my account without telling me the reason. I have been with them for 6 years never missed a payment, always been on time. I went to use my card and they told me my account was close. I would like to know the reason

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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

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 2017-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took a private loan for about {$8000.00} private loan and some federal loans. My private loan doubled in interest. Reps were very hard to work with, no empathy at all. Borderline harassing and threatening calls.I have tried to lower payments and get a reasonable monthly payment to repay with no luck. My credit is now damaged and my wages are garnished. I can barely make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I just want to connect my bank account to my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX
                                                                                       XXXX, XXXX


XXXX XXXX, General Counsel
General Law & Ethics
XXXX XXXX, Deputy General Counsel
Litigation & Oversight
XXXX XXXX, Deputy General Counsel

Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX. XXXX

Dear Friends : 

I hope you decided to join me and provide guidance in pursuing justice with respect to my local government XXXX County and XXXX XXXX XXXX. After losing my home in XX/XX/XXXX I am exhausted. 

Please allow me to share with the most recent evidence of poor governance and tax collector fraud by XXXX   County. Attached is a copy of the XXXX County Georgia Property Tax Assessment for a property that I owned from XX/XX/XXXX to XX/XX/XXXX. 


First, please note that home is appraised for XXXX   on the most recent XXXX  County Tax Bill forXX/XX/XXXX


First, the home continues to be appraised at XXXX
Second, the true market value was realized or evidenced at the sale of the closing statement for XXXX.

Historically, my XXXX  County Tax appeals were met with valuation increases the following year.

XXXX County doesn’t have a reliable tax assessment model. The Governor Of Georgia as advocated this as well and requested a freeze in tax billings.

The Congressional Tax plan will place many of the local tax authorities in crisis due to the limit on local property tax deduction to XXXX. When taxpayers realize this financial change, the local governments will enter a crisis due to heavy dependency on “Non Market” Property Tax Valuation. The Federal government has been subsidizing local tax authority property tax abuse by shielding the financial impact with a deduction. This has also supported unfavorable local government management. For example, XXXX County Tax revenues and budget expenses increased during the Great Recession of XX/XX/XXXX to XX/XX/XXXX. We market property valuations declined 30%.

Please join me in litigation against XXXX XXXX XXXX and XXXX County Tax Assessor for Property Tax Fraud Home Affordable Modification Program. I would like to recover over XXXX  in excessive property tax non-market assessments payments and damages from XX/XX/XXXX to XX/XX/XXXX. I understand that class action litigation may be more applicable.




Sincerely,


XXXX XXXX XXXX

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