vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I pay my mortgage every month with Loancare, a Service Link Company. I called their customer service line and attempted to use the automated phone payment system. When this proved to be nonfunctional, I redialed and navigated my way through an endless menu system which seemed to be designed to avoid letting callers through to a human telephone agent. Ultimately, I reached XXXX at XXXX   XXXX. My loan number is XXXX. XXXX refused to let me speak with a supervisor until I threatened this complaint. 

The supervisor seemed more pleasant, and took my payment over the phone. 

They can't seem thus far to be able to understand why my online account access is not able to be restored. In fact, the customer service agents were unable to do anything because they were having errors in their system as well. This has been the general experience with Loancare. The biggest problem is that Loancare is not even my servicer - it's a subservicer, a double outsourced company taking payments and passing them on to XXXX XXXX XXXX, so I have no idea how to actually speak to my actual mortgagor. 

Loancare still can not figure out why their online portal does not function for me on any of my devices, so it looks like for the forseeable future, I will have to continue to waste my time on hold.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This started because I made a mistake, and I know what I did wrong. I was doing a balance transfer for {$6000.00} to consolidate debt. However, when I submitted the card information for the balance transfer, I accidentally entered the wrong credit card number from my wallet. The card I entered was a citibank card I had recently closed. It looked very similar to the card I meant to transfer the balance from, but I entered citibank card by mistake. 

Now, I have a credit balance ( surplus ) of - {$6000.00} on the citibank card. The card is closed, so it is stuck in the account. I contacted citibank for the first time to tell them what I had done on XX/XX/XXXX. The rep said they would process a credit/check to be sent back to me within 3-5 business days. They took my checking account number and routing number over online/secure chat. 

I have contacted Citibank every day since the XX/XX/XXXX to ask when the funds will be credited back to me. They say " tomorrow '' each day. Or, they say " 1-2 days '' each time. It hasn't moved from the account. I can't pay the credit cards I need to pay because this money is tied up at Citibank. I would understand if they need to void the balance transfer and just let me start over, but they won't do that either. I'm out of options.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
" Citi '' would not help us with the recent Hurrican Michael in XXXX XXXX FL. We lost everything and were denied FEMA. ( Wife and I ) We Ask them to help and they said to call!! We LOST everything which means Everything. I am using strangers devices ... They said they could not help, unless I call. I Lost everything and all I ask for them to do is hold that acct until XX/XX/2018. They said to call again. I do not understand. how they think we can just call?? ... when one has lost everything. No internet. no cell service, no cable, no nothing ... I don't want bad credit for something that was out of our control. It's not fair & feels somewhat illegal. I will try to find another person ' device to check email please help PLEASE

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Protection Association, L.P.
State: AR

Complaint narrative:
COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.

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 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2018, I noticed an unauthorized check had been paid from my Citizens Bank checking account. The check in the amount of {$390.00} was paid to " XXXX XXXX XXXX XXXX '', and was cashed or deposited at XXXX XXXX XXXX  XXXX. 
I have never heard of or done any business with " XXXX XXXX XXXX XXXX '' I called Citizens bank 's fraud department to report. The fraud department told me they would investigate, I would receive something in the mail to sign and return, and that I should close the account so no further charges could be made on it. I went to the bank to close the account immediately. Since the account was overdrawn due to the fraudulent check, I was not able to close the account, but asked the bank to make it a deposit only account. On XX/XX/XXXX, additional overdraft charges appeared on the account. I called the bank and they said that no hold, or change to the account had been made. This despite my going to a branch office in person to get that done. 
One week after that, I called to ask again about the status of the fraud investigation and the papers I was told I would receive ( but did not ). After being on hold for a while, I was told it was still being investigated and they had no new information. 
On XX/XX/XXXX, I called again, and was told it was still being investigated. The representative said the bank where the check was deposited had not responded to the inquiry from Citizens. 
Two days after that, I received a debt collection letter from Citizens bank regarding the overdrawn account. Receiving a debt collection letter make me believe that Citizens is not investigating the fraudulent check, and the bank may not  even be aware of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 
1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 
2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: TX

Complaint narrative:
To Whom It May Concern, I sent a multiple inquiry removal letter to Equifax on XX/XX/2018 by certified mail in order to dispute information in regards to some inquiries that were being reported on my credit report. I received the response letter back XX/XX/2018 .The response I received are all the same, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it's file. The fact that I receive a response in less than a week after my receipt of certified mail, one can assume that there was no investigation into this matter. I plan to purchase a home next year and having this many inquiries on my credit report display as sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not SIGN for anything period. This is unfair practices by credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE NOTE THIS IS FOURTH TIME TO COMPLAINT EQUIFAX i had contacted many times EQUIFAX INFORMATION SERVICE LLC to remove  Unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 Unauthorized hard inquiry -XXXX/XXXX Inquiry from XX/XX/2018 -XXXX/XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dir Sir/Madam Have A Great Day This is the fourth time complaint to remove 2 unauthorized hard inquiry from XXXX   Agency and after submitted them letter you were provided they didn't want to remove them so i'm ask you please contact them to remove this unauthorized hard inquiry impact my credit score and report Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( 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 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I did a promotion for Citibank that stated i would get a {$400.00} bonus if i deposited {$15000.00} and left it there for 60 days. I then confirmed the promotion was on my account and i met all the requirements during a chat on XX/XX/2018. I was told that the bonus would arrive by XX/XX/2018. This did not happen. I then chatted with CitiBank on XX/XX/2018 and they also confirmed that the promotion was on my account and i met the requirements. They submitted for in investigation on why i didn't receive it. I then chatted with someone on XX/XX/2018 because i have not heard back from them. They informed me they are still looking in to it. I think Citibank is trying to get out of paying the bonus they promised. I would like for CFPB to look into this further.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i had contacted many times EQUIFAX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BlueChip Financial
State: NC

Complaint narrative:
I have contacted XXXX  about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.

XXXX   has failed in my request and continues to harrass me in taking out a Payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: MI

Complaint narrative:
Chase moves the debits around when your account has a low balance and causes your account to overdraft. Then they charge an overdrsft fee for each. My account had a balance of {$19.00} on XX/XX/XXXX. One item of {$39.00} was debited to my account. All the items that had been paid were shuffled around and they were able to come up with three items within that {$39.00} range that the could charge fees on. This happens all the time. This is my third complaint about this practice at Chase. If the overdraft fee is bal is I dont have a problem paying it but they are manufacturing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: OH

Complaint narrative:
During my 4 years of college I was studying to enter the XXXX XXXX XXXX XXXX. I took out several loans to help, both private and federal. The issue is that the Private loans, now owned by XXXX XXXX XXXX XXXX have variable rates. I have worked on and off during raising my Child and I am expecting to be out of work for my XXXX child. The reality is that my work does not cover the cost of childcare so it is more affordable and just as beneficial to the children to stay home with them. There are currently 4 private loans amounting to {$40000.00} with rates of 11.25 %, 11.75 %, 10.625 % and 11.125 %. I have paid these since graduating in XX/XX/2011 but can no longer keep up having made no dent in the principle and only affording to pay the outrageous interest rate each month. How can they get away with not lowering these rates to a fixed lower rate that is achievable. This is predatory lending to a young XXXX girl with little/no financial background. In addition to this, the school provided no education on the risk of lending, nor did they make any effort to find a lower rate federal loan that would not create such hardship for students futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I had a preventative care visit at one of my physicians under XXXX which is fully covered by my insurance provider. In XX/XX/XXXX I was notified that I owed {$50.00} to my physician 's office for the visit. I contacted XXXX XXXX XXXX XXXX and advised it should have been covered by my insurance carrier XXXX and I should not be charged. I was advised by XXXX to disregard the bill that it was an error from the Dr. 's office that they encoded the visit wrong. Approximately a 1-2 months later I receive another bill for {$50.00}. I contacted XXXX again and was advised to disregard the bill and that there was a note on my account. In XX/XX/XXXX/XX/XX/XXXX I received a notice from a collection agency Apex stating I owed {$50.00} to virtua and my account is now in collection. I reached back out to XXXX who advised to disregard the bill and that it was sent to the collection agency in error. In XXXX XXXX resubmitted the claim to my insurance carrier and advised that everything was resolved. On XX/XX/XXXX I received a collection notice for the same issue now for {$110.00}. I contacted XXXX and was advised XXXX denied the claim due to it being 180 days after the visit and sent a notice to XXXX that they must send an letter of explanation in order for the claim to be paid. I have reached out to XXXX, who advised I don't have a balance or an account in Collections and has asked I forward the collection notice. XXXX provided a fax number which did not work. I have been calling on a weekly basis since XX/XX/XXXX and can not reach anyone, have left several messages and do not receive a call back. The issue is still outstanding and at risk for damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans were serviced by Nelnet. i recently satisfied the loan balance in full due to constant errors being made on monthly payment amount. i tried disputing the late payments twice in an effort to restore my credit score but to no avail. Nelnet was sending bills to a previous address which i updated as soon i moved. they also an old number on file. I've requested this in writing and over the phone. The payment adjusted by {$73.00} and when that ran straight for 90 days, they then reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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 — Investigation took more than 30 days
Company: COMMERCE BANK
State: AR

Complaint narrative:
COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
A Chapter XXXX bankruptcy filed in XX/XX/XXXX was discharged in XX/XX/XXXX after the obligation had been met and removed from all Credit Reporting Agencies in XX/XX/XXXX.

A recent credit card application was denied and bankruptcy was used as a denial reason. I called the Business twice and was informed that the bankruptcy information was not from a Credit Reporting Agency but from their own " personal history file '' provided to them from an unknown affiliate which could not be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a small business in XXXX, IL on XX/XX/XXXX I used a promotional check offered to me in the mail at 2.99 % for an insurance payment of {$2700.00} due on XX/XX/XXXX from my business credit card from XXXX XXXX XXXX, I have two other promotional transfers on the card totaling {$3800.00} used after that that are due in full on XX/XX/XXXX total at 0 % after looking at my statements for the year I see that all my XXXX payments that I have been sending every month since XX/XX/XXXX have been going to my 0 % balances and I am getting charged all interest on my XXXX at 2.99 % balance and it isn't going anywhere. 

They tell me they pay off the 0 % percent first always because its a business. 

This is totally a rip off, why would any bank or credit card want to cause a business to have to hang on to a 2.99 % balance due on XX/XX/XXXX when they have two other balances at 0 % not due until XX/XX/XXXX All I see is greed to get more interest charges to my business, I am totally disgusted! 

I would like someone to look into this to please let me know how this could be legal.

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