vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XXXX 's payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XXXX 's payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XXXX was current but when the send the tape, it's showing late for 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 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I went to pay my house payment last month and found that Mr Cooper/ Nationstar raised my house payment over {$600.00} per month. Loan # XXXX I immediately call Mr cooper to find out what was going on. I was told that my taxes went up and there was not enough money in the escrow account to pay the taxes. 
I knew this was not true as I just filed my taxes and my taxes had only gone up by around {$160.00} per year total. 
I told them that and they argued with me and declined to get me to someone that I could talk to about this. 
After looking into this more, what I found is that when Mr cooper put my loan together they did not include one of the tax lots that my property is on. 
I know that they knew about the extra tax lot because they were trying to get a better loan to value on the property by using the lot in the appraisal but couldn't. 
They also had several years of my tax records before they would process the loan. 
Here is what I know happened. I only was getting the load to pay off some credit card dept that I occurred to remodel the property. I told the loan  officer XXXX XXXX that I did not want my payments to be higher than what I was paying at the time. 
She assured me that they would only be a few dollars more than what I was paying at the time. 
Also after they told me the loan was approved and there would be enough money to pay off what I wanted to they came back to me and said that they had to raise the interest rate so that the loan would qualify. 
That did not set well with me but I did it because the rate although higher than I had been quoted by other companies was not much higher and I did not want to go through the whole process again with another company. 
Bottom line is that I just can not afford to pay an extra {$600.00} plus a month on my house payment. This because Mr Cooper did not do there job when putting the loan together. 
I hope that you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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:
To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
In late XX/XX/XXXX after receiving my homeowners insurance renewal policy from XXXX XXXX the policy premium had increased over {$800.00} a year. I contacted my agent who quoted me through XXXX XXXX XXXX at a rate of {$1400.00} a year. I changed policies. I notified Homepoint via phone not to pay my XXXX renewal and was advised to send an email with the new declaration page. I did. However, Homepoint paid the XXXX policy and then also the XXXX XXXX policy. I received the refund at my home address from XXXX for {$2300.00}. I contact Homepoint and was advised to transfer those funds to them which I did electronically with check over the phone XX/XX/XXXX. The agent I spoke to said she would request an escrow analysis since there was over an {$800.00} difference in the insurance policies that I would be due a refund from my escrow. I waited almost 2 months before contacting Homepoint again. I called the end of XXXX - the XXXX I believe - and was told the matter was closed as of XX/XX/XXXX and no refund was due to me. I went through the numbers with the agent on the phone, she agreed and said she would escalate it to a manager. I called again on XX/XX/XXXX after not hearing anything from Homepoint and  was told it was set for a resolution on XX/XX/XXXX. I did not hear from anyone. I called again today XX/XX/XXXX and was told I am not due a refund. The math is as follows : My current escrow balance is {$1000.00}. My escrow obligation each year is {$1400.00} for insurance and {$1400.00} each cycle for taxes making my obligation {$4300.00} a year. They are currently posting {$350.00} of my {$1100.00} payment to escrow. With a current escrow balance exceeding {$1000.00} my escrow is well overfunded for XXXX and I would be due a refund under RESPA. I stated that to XXXX ' the agent I spoke to today and he stated I am incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I received my California XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am XXXX. 
I have a Direct Deposit with Chase Bank in which my XXXX funds is electronically wired to my Chase checking account ending # XXXX in the amount of {$4300.00} on XXXX XXXX. I took out {$3300.00} out of the account on XXXX XXXX and there was a balance of {$1000.00}. 
As of XXXX XXXX my auto car payment of {$440.00} with XXXX XXXX XXXX wasn't paid.I have contacted XXXX XXXX XXXX that I will pay my auto loan with another method payments and my auto loan is paid on XXXX XXXX, but not with Chase Bank account ending # XXXX. 
So there is {$440.00} to be credited back to my account with Chase bank account ending # XXXX. 
Also, My Chase Military Bank Account has a overdraft fees of {$160.00} on my account. 
I am respectfuly giving my consent and authorize Federal Government to investigate my complaint and check my Chase account activities and transactions. 
I am XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: MA

Complaint narrative:
I applied for a credit card through AMEX on XX/XX/19. I wanted to transfer the balance on a credit to AMEX to take advantage of a 0 % APR transfer for 15months. 

I got approved a line of credit, it was lower than what I was looking to transfer. Now we all know when you apply for a credit card you do not know what your balance is going to be, and if it would be high enough to transfer my existing balance over. 

So I went online to see if the balance could be increased and submitted the request, I called AMEX and talked to their credit line department. 

I was told I was denied, because I had to be a customer for at least 60 days before I could apply for a credit line increase. I was a little taken back on why this information was not provided in any of the disclosures I had just agreed to. I was told that it was an internal policy. If I am applying for a line of credit I should know everything that will untimely make my decision on whether or not to move forward with the application. This information would have made me decide not to apply for the card as I would not know what my initial line was going to be until I had applied. 

The promotion I was taken advantage of is for only good for 60 days, I have to wait 60 days to request an increase. I find this deceiving. If the information about waiting 60 days before a could submit a request to increase my line was provided to me in the disclosures that I had to agree to, I would not have applied for the credit card, not knowing what my initial credit line offer was going to be if approved. So now I have a credit card that is basically useless to me and an inquiry on my credit report. 

If I am applying for a line of credit, I should have all the information up front so I can make a decision on whether or not I want to move forward with the application or if the card is right for me. Obviously this card was not the right fit for my based off of the information I found out after I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Opened account around XX/XX/2019 Funded acoount via ACH in the amount of XXXX around XX/XX/2019 account was closed and online access restricted. 

bank call center indicating my account has no balance and no record of opening deposit. 

the canceled debit card number as i do not know the account number is 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 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX I got hit with a hard inquiry on XX/XX/2018. I did not make this Inquiry or sign for anyone to authorize this Inquiry. This is fraud and done without my knowledge. I would like this removed as soon as possible. I tried to call The bank and explain to them the situation as I did not want a hard pull for something I did not do. I noticed this once I got a letter in the mail. I also see it on my 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 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Late XXXX 2018 I was offered 10.65 % on {$10000.00} approval. I shopped for the minivan I needed for work. XXXX XXXX {$6900.00}. sent paper work, then they said they want 15 % so I agreed. 

But actually I'm paying {$3.00} a day for the duration of 5 years, which totals {$3600.00}, with the paper work fees I borrowed {$7500.00} and will pay {$3600.00} in Interest. 


My monthly statement reflects 53 % of each payment goes to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I submitted a complaint to the CFPB concerning Amex improperly closing my account and confiscating my XXXX points. In response to that complaint, Amex submitted a reply asking me to contact them to discuss my point redemption options. I have contacted Amex no less than 4 times but they are now refusing to give me my points, which is contrary to the letter response to my first complaint. Amex is a dishonorable and crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is incorrectly reporting me 120 days late on the XXXX XXXX XXXX, partial account number XXXX. This account that a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I began to repair my credit with a direct effort to secure a better FICO score. I began by paying off a loan with XXXX XXXX for {$4600.00}. I then acted to lower credit usage by paying down credit cards, lower credit utilization. I have not applied for any credit cards with exception of a XXXX XXXX late last year. If there are any inquiries on my credit report they should be deleted because they are not at my request. XXXX XXXX   reported the {$4600.00} as paid off on XX/XX/XXXX. For the months of XX/XX/XXXX and XX/XX/XXXX my FICO score was XXXX. XXXX XXXX provided FICO score each month included in my monthly statement. When I inquired on my XX/XX/XXXX FICO score, I learned that it had only advanced 5 points to XXXX. I called XXXX XXXX quite irate and they informed me that this score was provided by TRANSUNION. I spoke with TRANSUNION and they specifically stated that they could help if I made a payment to a subscription to XXXX. I was then directed to FICO where it was almost impossible to speak with a live agent. Being certified in the Fair Credit Reporting Act, I knew that my score rightfully should have been in the 700 plus range. I asked FICO to make the correction, the response was they would assist if I purchased a subscription. This is certainly consumer fraud and I request that my score be corrected.

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 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: IN

Complaint narrative:
I have a loan with XXXX XXXX with a co-signer, my co-signer filed bankruptcy and during that process I was told I could not make payments and couldn't get in info on the loan, even my online access was shut off. Now my loan payment has skyrocketed and now I can't take the co-signer off the loan because they said that broke up me not having 12 straight payments due. Now they tell me I should of demanded to put money on the loan anyway even though I have letters from them saying no access can be made to the loan.I asked multiple times can I pay and was told no.They won't even work with me on the new high payment I cant afford.The last letter I got was XXXX19 telling me I can't have any loans or communication about that loan so how can I make payments when I was told it didn't exist till after that process was done. I also got told if I wanted a lower payment then don't pay the loan for months and they will give me payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was going through my credit file I noticed XXXX XXXX from XX/XX/2018. I have no knowledge of this. I did not sign any paperwork with the company in question. This is fraud and done without my consent. I am taking action now by coming directly here to solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I settled HSBC credit card debt with a third party years ago. This is the fourth collector that's gotten in touch with me claiming I still owe, threatened arrest warrants, and is even threatening my family with legal recourse/arrest. 

I've confirmed with HSBC it was settled. It also shows as such on my credit report. The number that initially calls you is XXXX and leaves a voicemail that directs you to call XXXX, where someone picks up and claims to be associated with " XXXX. '' He new the last four digits of my social security number which makes me very nervous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
It started in XX/XX/2018, I scheduled a payment online through the company 's online portal. I verified in my bank it was scheduled to come out. A month went by and went online to pay again and i scheduled my payment. There was no information made available to.me that my payment in XXXX did not go through. In XXXX I attempted to pay online and was notified I could not. So I called caliber and was told I was in pre foreclosure to my shock. I still had not recieved a phone call, email, or physical mail saying I missed any payments. When I asked how much I was behind I informed them I did not have the full amount but could pay half. The employee on the phone directed me not submit half and to wait until I had the full amount. Once I collected the full amount I had my wife go to the bank to wire transfer the money she called caliber and was told it's to late you are in foreclosure. And again was directed not to submit payment. I called as soon as I could and was notified by a new employee both employees I had spoke with before were wrong and I could have submitted payment and stopped the process. I asked if sense that information result in the foreclosure process starting they could stop it and allow me to pay they said no. I was told to ask for a re reinstatement amount, which had jumped XXXX dollars in 2 weeks. I no longer had that amount to pay. I found away to get the money called and was told that figure is old there is a new amount and it had jumped another XXXX dollars in 2 days. I couldn't keep up asked for help and was denied and told I had to pay in full and that's the only thing they would accept. I am now facing a foreclosure because they wont work with me or anyone and I have spoken with attorney 's and at this point they say they dont believe they could help me in time. After only 3 missed payments I was Sent into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Two purchases were made with my Bank of America debit card in XX/XX/XXXX totaling {$360.00}. The first, on XX/XX/XXXX, totaled {$160.00} and the second, on XX/XX/XXXX totaled {$200.00}. Both charges were to XXXX. I submitted a claim to Bank of America on XX/XX/XXXX and was initially credited the money back. However when the claim was resolved on XX/XX/XXXX Bank of America determined that I was at fault and took the money back out of my account. I suspect my information was skimmed online off of one of the sites I use for shopping, and Bank of America essentially said that because it did not occur at an ATM, they did not believe me ( and because the amount was not high enough ). They did no original research, including contacting XXXX. 

I called XXXX myself and was able to determine that the address both purchases were shipped to was the same P.O. box in XXXX, Florida, and the representative expressed shock that XXXX 's system would not have flagged the order due to the " sketchy '' address. I have lived only in XXXX and XXXX XXXX within the last 10 years, and have not even visited Florida in many years. I was not able to get this information in writing, however, XXXX said they could release it if I came back with a subpoena. 

I submitted a dispute that same week in XX/XX/XXXX with Bank of America, outlining the new information I had received from XXXX. I was told I would receive an answer within 60 days. Well over 60 days later, on XX/XX/XXXX, I still had not heard any new information from the bank, so I called their fraud department to check in. The only information they were able to give me was that the claim had not been processed yet, but that they would put a note in my file and I could expect to hear again in 60 days. Needless to say, my confidence in their process is low. 

{$360.00} may not sound like a lot of money to some, however I am a full-time graduate student reliant on federal loans and low-paying part-time employment, and it would make a huge difference in my ability to pay rent this month. All else aside, I did not make those purchases, and Bank of America is responsible for protecting me from fraud.

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 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.

Company response to consumer: Closed with explanation