vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank and XXXX XXXX XXXX are implementing procedures that are against our second amendment and impacts law abiding citizens. The banks need to refrain from blocking services that are currently legal. They should also remember that it was law abiding citizens that bailed them out in the not too distant past.

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 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX went online to access online banking account held with American Express Serve and was unable to do so. I immediately contacted American Express Serve to see if there was a problem. The representative told me that American Express Serve was experiencing some technical problems and that my account should be off hold in 24-48 hours and that it was a problem that had effected many of their customers- not just me. At approximately XXXX on XX/XX/XXXX I  received an email from American Express Serve stating that I had transferred the balance from my reserve to my main account. I immediately contacted American Express Serve once again and asked who made the transfer, because I had not. The customer service rep. told me that American Express Serve had made the transfer to my main account and then did a manual debit to remove the funds from my main account. The rep. said they had no other information at this time, except that the account would be on hold for 24-48 hours. I keep calling American Express Serve and was finally transferred to a gentlemen named XXXX in technical support would stated that he authorized the transfer and manual debit of the funds based off a letter he received from my previous employer about an error. XXXX stated that they were investigating the information they received from my previous employer, the funds were on hold, and that I would be contacted by phone or email once the investigation was complete. I never received an email, letter in the mail or phone call with the results of this investigation. I gentlemen from Illinois Department of financial institutions demanded a explanation as to what took placed and they sent him a letter by email that he then forwarded on to me. A retailer that I made a transaction with on XX/XX/XXXX using my serve card stated that they were contacted by my previous employer about the transaction. American Express Serve had to share my transaction history with my previous employer for them to be able to make contact with this retailer about this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: HI

Complaint narrative:
I paid a debt from XXXX XXXX a while ago. It is still showing negatively on my report and they are still contacting my telling me the i owe money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found two late payments for the following dates : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: OR

Complaint narrative:
I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach. Both XXXX  and XXXX  sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, with identification, to Equifax requesting the pin number. They have not responded. 

Please get Equifax to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Freedom Mortgage Company
State: CO

Complaint narrative:
On or about XX/XX/2018 I was notified by our Mortgage lender, Freedom Mortgage that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXX and XX/XX/XXXX 's payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX  when Freedom acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that Freedom Mortgage has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.

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 2018-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found three late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Hello, I am writing this complaint in regards to my mortgage company ( Seterus ). 

I purchased my home originally in XX/XX/XXXX for approximately XXXX in the City of XXXX California. My original lender at the time was XXXX XXXX and at some point it transferred to XXXX XXXX XXXX and now it is ultimately XXXX. 

In XX/XX/XXXX I faced some financial difficulty and filed Chapter XXXX Bankruptcy. I successfully completed my bankruptcy and received my final decree. 

I started paying Seterus directly through their automated phone system in XX/XX/XXXX and have not missed a payment since that date. I reached out to Seterus on at least three separate occasions because I still have never received any statements from them nor was I allowed access to view my account via internet. Each time I spoke with them they told me my bankruptcy was under some final review and it would take a few days for them to finally grant me access to their website and begin receiving statements from them. 

Recently ( XX/XX/XXXX ) I noticed somebody taking pictures of my Home and when I approached the subject he informed me my home was headed for foreclosure. I again called them and they advised me they would look into the matter to get my records current. Today ( XX/XX/XXXX ) I received a call from a Seterus representative and they told me I was approximately {$5000.00} behind on my mortgage. This is surprising to me because I have not missed a payment. 

So I guess what Im asking is what can I do as a home buyer. My monthly mortgage is {$2300.00} and I have proof all my payments are current. Their highly unpleasant representatives only tell me they will start foreclosing if I do not become current. 

Any recommendations as to who I should contact? My apologies if this is not your specialty and you took the time to read this. 

Thank you 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 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I signed up for the Chase XXXX card a year ago, and paid the first annual fee because of the advertised 2 free nights. However, when I logged into the website to book a hotel stay to use those nights, I was unable to do so. I contacted the XXXX Rewards service, but they did nothing to help me. 

Because of this, I went the rest of the first year without using the card ( because why use it if I can't get any rewards ). Today, I attempted to cancel the card, and was met with a lot of resistance in the process, but was eventually able to do so. However, I am still being to pay the second annual fee, despite not having used the card in over a year, and despite the fact that I did not consent to a renewal. I consider this fee to be completely fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit reports

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 2018-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I emailed Bank of America ( BofA ) on XX/XX/2018 and have yet to receive a reply. The was was directed towards XXXX XXXX XXXX, Vice Chairman, Bank of America and I copied XXXX XXXX, Chairman of the Board and Chief Executive Officer, Bank of America. The email addressed my concern whether BofA is discriminating against lawful business. A copy of the aforementioned email is copied below : It read that the Bank of America plans to stop lending to manufacturers of " military-style firearms '' used by civilians. Why would a respected company, such as yours, discriminate against lawful businesses? I can imagine you might have reservations lending to companies that deal with, for instance, XXXX that is legalized in some states but is not decriminalized on a Federal level. However, these businesses that you now target conduct lawful business which is still protected by the 2nd Amendment included in our nation 's Bill of  Rights. These " military-style firearms '' are not military weapons and can legally be purchased by law abiding citizens who pass the ATF Form XXXX, Firearms Transaction Record ( Form XXXX ), background check.

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 2018-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: GA

Complaint narrative:
I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  XXXX Account XXXX XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank started profiling gun stores ( which is a Constitutional right ) and asking all kinds of non-transaction questions to determine if we sold guns. They put it under the guise of " know your customer '' and used that to ask all kinds of non-transnational questions. I referred them to the ATF and FBI for the gun specific questions that were not pertinent to our banking relationship ( they wanted to know how we shipped guns etc ). They then closed my accounts because of this illegal profiling. They claimed they needed to know where my cash deposits came from - they know good and well and XXXX the manager and staff have been in my store before. So they knew who we were and it's not a secret that gun stores deposit cash. It was purely a witch hunt.

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 2018-04-29 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: BB&T CORPORATION
State: FL

Complaint narrative:
I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct 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 2018-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX via phone, spoke to XXXX at the Credit Bureau XXXX XXXX. XXXX was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at XXXX, submitted supporting documentation that proved all payments to XXXX were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, Transunion is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my Transunion report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.

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 2018-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The vehicle was inspected XX/XX/2018 and the tires were approved under New York State standards with only XXXX miles on the vehicle and tires. 

The following month, the vehicle was turned in to the XXXX XXXX XXXX for lease termination with still less than XXXX miles and a new XXXX was leased. Initially the end of lease inspection was cancelled as the vehicle was immaculate at turn in per the salesman. The dealership was going to buy it which eliminates a need for inspection. The dealership then decided not to purchase and the subsequent inspection was completed. The inspector deemed the tires as worn and a scuff on the rim equally {$720.00}. 

I feel that this is inaccurate and I feel the {$720.00} should be removed from my lease end invoice and responsibility. 

I have uploaded the invoice showing NYS inspection was completed without issue except for a bulb which I replaced.

Company response to consumer: Closed with monetary relief