vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
My original home loan was sold to XXXX XXXX and then sold again to Fay Servicing over the last ten years. I did experience a bankruptcy and paid back every cent of my owed amounts. Upon completion of my bankruptcy the next step on my financial journey was to repair the home loan -I applied for loan modification several times Between XX/XX/XXXX andXX/XX/XXXX. Each time I would Submit paperwork to my account manger -they would continually ask for additional Documents - which I worked hard to obtain - when my loan package was complete Or nearing completion i would suddenly be passed over to a different loan manager or mysteriously my paperwork would be missing- I worked with aN Account manager named XXXX - XXXX XXXX XXXX XXXX just to name a few. I applied for the loan modification not to ask for a reduction in payments just to work the arrears of th mortgage into the mortgage as I was able to pay each month and was denied unless I could Pay the entire arrearage. Even though I pay my own water trash and Insurance I have been continually charged by XXXX servicing for such services adding and compounding fee onto my arrearage- I as an consumer have tried to work with Fay serviceing in good will to repair my mortgage with no options from them and limited contact from them. I work hard and can pay my note and do not want to lose my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017

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 2017-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I returned the call on XXXX/17 and the young lady was rude. She told me people that do n't work still pay the debts. Then she wanted to go through my finances with me. I do n't think that is any of her business. 

If she wanted to collect a debt she should work with that person, not tell them how or how much they need to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: MO

Complaint narrative:
First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
they wo n't let me access the system with an external app. They apparently, block 3rd party apps and I would like to use this app to help lower my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.

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 2017-12-27 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a home equity line account with Bank of America in XXXX of XXXX. When I did my home refinance with XXXX bank in XXXX XXXX of XXXX, I called Bank of America to keep this account of mine open. Bank of America promised me that this account would be kept open no matter what. However Bank of America closed my home equity Line account without any reason. Even worse, Bank of America charged me a fee for their mistake. 
When I called Bank of America, I was told that I could re-apply for a new home equity line account. I followed their advice but Bank of America ate its own words and turned down my application. 
Why Bank of America should cheat its customer repeatedly? 
Please help me. 
Thank you!

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 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wrote a check for {XXXX} to my telephone service provider, but the bank paid {XXXX} to that payee when my check was deposited. When I called the bank to complain, I was originally told they were sorry for their mistake and I would get a refund. But, after a week of waiting and two more phone calls, I was told that it was not a bank error because I had written " XXXX and XXXX XXXX hundredth dollars '' in the legal line of my check. Which they concluded meant that I wanted to pay XXXX XXXX XXXX dollars ( {XXXX} ) to the payee, even though I clearly wrote {XXXX} in the 'Pay to the order of ' line on the check. 
The bank is Bank of America, and the payee is XXXX XXXX XXXX of XXXX XXXX XXXX, Florida. Check number XXXX. Case number 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 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX I noticed that an ACH withdrawal for a higher amount than I authorized for a student loan payment posted to my checking account. I called my bank to have them reversed the ACH transaction and they said that they can not due to technical limitations of my account. The only way forward is to dispute the charge and that has an unknown amount of time before the money is returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax XXXX XXXX refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: NJ

Complaint narrative:
XXXX transunion XXXX refuses to block lnvv funding toyoyta and XXXX card from my account the fcra law states that they have 4 days to block these accounts from my credit report

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

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 2017-12-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX/XXXX XXXX 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 2017-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am currently a teaching trying to make XXXX payments for student loan forgiveness. There are many stipulations to the qualifying payments. Over the summer of XXXX this loan servicer messed up my income driven repayment application. I was supposed to have a payment around XXXX dollars and for four months I was constantly on the phone with them trying to make them remove the XXXX XXXX monthly payment they were charging me. This was four months where I could n't make a qualifying payment because they messed up my account. Finally, I filed a complain with CFPB and within a week they fixed my account. Now, I went online to make my payment and they are saying my payment is only {$5.00} because my account is in " XXXX XXXX XXXX '' even though back in XXXX of XXXX I requested to have any paid ahead status permanently removed because it disqualifies payments from counting towards loan forgiveness. This paid ahead status should n't even be on my account because I made the exact payment due last month. When I called to speak to someone they kept transferring me to someone else, I spent HOURS on the phone during my day off trying to get the matter taken care of. Everyone that works here keeps telling me they have no idea why my account would only have a {$5.00} payment because they are n't showing any paid ahead status on their end. I believe this company is being dishonest and difficult on purpose for those trying to make qualifying payments and needs to be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
I recently applied for employment with XXXX XXXX XXXX. During that hiring process, XXXX solicited a background check from First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX First Advantage communicated inaccurate & criminal information to XXXX, which had a negative impact on my reputation. 
Either this is a case of identity theft or there is another person, which shares my name & DOB. These are the only two explanations I can offer on how this could happen. 

The background check furnished to XXXX by First Advantage outlines the following ; There was a XXXX XXXX convicted of " XXXX XXXX XXXX XXXX '' & " XXXX XXXX, XXXX '' in XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX # XXXX XXXX XXXX # XXXX This person was found guilty and convicted on XXXX/XXXX/XXXX. 


I have contacted to First Advantage at XXXX ( EST ) on XXXX/XXXX/XXXX and informed them of this issue. First Advantage states they may have referenced the wrong information. 

Presently I 'm unsure of the severity, scope and total ramifications of having been associated with this criminal conviction. How this criminal record may have negatively influence my life from XXXX/XXXX/XXXX to present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient continues to provide me with terrible customer service. Their website is never accurate with payments due, so several times i have " underpaid '' according to them and continue to get penalized for mal informed data. Additionally, i have on more than one occasion put in requests for calls to be investigated by their representatives which has never been followed up on. They only ever offer me interest only payments which i have been on for 5 years meaning there has been no dent in the principal balance which is {$100000.00}. In XXXX XXXX, i was placed on an interest only plan for a few months and they literally changed the amount everytime i called. In XXXX XXXX, i lost my job and was unemployed and they literally were unable to significantly lower my payments or offer me any valuable solution. Since XXXX XXXX i have been in dispute with them over a representative call in which a rep advised me of a payment due and apparently misallocated the loan payment which magically left 1 loan delinquent. I asked for the call to be investigated and based on the new reps answer it was not and the manager wouldnt get on the phone with me. Their website isnt accurate, their reps constantly provide me with incorrect information. Everything about them is fraudulent and i am considering taking legal action because it is unethical and illegal for a company to defraud millions of student debt holders including myself. And nothing has changed or been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: VA

Complaint narrative:
received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to 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 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. 
I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, I have reached out to you in reference to an XXXX account reporting on my credit as open when it should be closed. I have contacted XXXX and they have stated they cant find an account for me, which is odd as i have given them all the correct information because i filled the complaint through the CFPB, Which means the account is not validated with your company.Please look into this as well. there is a 3 year prescription law in the state of Louisiana and the remedy is you can not continue to collect or re age old debts, further more this company is not registered in the state of Louisiana to collect debt ( XXXX ). Please properly investigate and delete. 

Thanks : )

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