vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Payoff was sent via XXXX XXXX and received by Chase Auto Finance on XX/XX/XXXX. This has been confirmed by XXXX XXXX and Chase has acknowledged that the address was the correct address. Before we sent the payoff we called Chase and they said if we included the Confirmation Number Chase provided with the payoff quote, it would be credited upon receipt. Today, my account still shows past due for the payment due XX/XX/XXXX. I called once again, after calling several other times, and sending several secure messages on Chase 's  site. Today, the Senior Customer Account Rep tells me the payoff was sent to a bank in Oklahoma because they could n't figure out what the check was for. Strangely, they could tell me the check was sent back by looking at my account, but they could not figure out how to credit the account. The check was issued from a bank in Arkansas. I have received several messages from Chase but none of them explained to me that the check had been sent to a bank in Oklahoma. I have talked with them several times in the last three weeks and until today no one told me they had sent the check back on XX/XX/XXXX. I do not want my credit ruined due their mistake. Additionally, we sold this vehicle to an individual who is unable to register the vehicle, because Chase has not credited the payoff and released the title. This is not the first time Chase has disappointed us. Someone needs to investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I completed a loan modification with a previous service provider ( due to a chapter XXXX bankruptcy in XXXX ), XXXX XXXX in XXXX XXXX, my trial payments were {$1000.00}. LoanCare purchased the mortgage and immediately put my loan into loss mitgation where they have been reviewing and asking for documentation that XXXX had already obtained. As of XXXX XXXX, XXXX my loan has been with their underwriter. There has been no decision. It is my understanding that the loan servicer has 45 days under Federal Law and that they were supposed to honor the previous loan modification done by XXXX. None of this has occurred. I have attempted to make payments but have been told I ca n't because the loan is with the underwriter and the amount has now gone up to over {$1200.00} due to statements I am now receiving, this has resulted in me falling a couple more months behind, despite my best efforts to resolve this issue. I have contacted LoanCare multiple times via phone over the last 45-60 days, and have never received a callback from their loss mitigation or my single POC. 

In the most recent conversation today XXXX XXXX, XXXX, one of the customer service reps, when I informed her I was looking into federal and legal resolution told me " you have to do what you have to do. '' To me that symbolizes LoanCare 's commitment to customer service, which is ZERO. I have the documentation from XXXX, proof of my 3 trial payments being paid successfully, proof of being accepted into their hardship program and then proof of LoanCare raising payments and not honoring the approved hardship which I will be happy to provide if they require that information ( even though they should have received it from 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 2017-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
The debt collection company, Diversified, ( XXXX XXXX is the latest person ), repeatedly calls. Their # is XXXX. I have spoken to them at least 10 times. I have indicated that I owe NOTHING and have asked them to stop calling. My position is that I am willing to defend myself in a court of law, therefore I have told them to sue me or take me to court. They simply reply that they will call again at a later date. I have told them that they are harassing me and some just laugh. The calls do n't stop. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I am in the process of buying a home and the lender, XXXX XXXX, notified me that there was an issue with an item on my credit report involving Navient/XXXX XXXX. In the explanation to XXXX, I advised that I co-signed for a loan for my son back in XXXX with XXXX XXXX. My son graduated in XXXX. 
At that time, he began sending XXXX XXXX money, even though XXXX XXXX had not sent him any paperwork or statement regarding the payback amount. He called and called and called and kept being referred to different people who would say they ca n't find the account, you need to talk to so and so, and would get this same response with each person he talked to. 
He has continued to send them money since XXXX, of which we can produce copies of his bank statements showing the payments. Navient/XXXX XXXX charged off this loan in XXXX, which is now on my credit report and his. 
At no time did NavientXXXX XXXX contact him or me. They have not verbally or in any written form inquired/requested payments, inquired about no payments being received, nor did they notify either one of us by any verbal or written documentation that the loan was being charged off back in XXXX, however they continue to accept his payments. Additionally, after looking at the credit report from XXXX, I see that they have continued to add interest to the loan. If the loan has been charged off, how can they continue to accrue the interest. This is definitely bad faith practice. Because of this being on my report, and where I am trying to get a USDA loan for the purchase of a home, this issue very well may prevent that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: CA

Complaint narrative:
I signed up for the AMEX Starwood Preferred Guest Business credit card. I applied for the card on XX/XX/XXXX and was approved by XX/XX/XXXX. 

The promotional terms of the offer was XXXX SPG points for a minimum spend requirement of {$8000.00}. I put a {$20000.00} charge on the credit card and payed the balance off in full on XX/XX/XXXX. 

I received approximately XXXX SPG points for the charge I put on the card. However, the bonus points of XXXX SPG points never posted to my account. 

I have opened numerous inquires with AMEX and they keep insisting it will " be another 6-8 weeks to complete the investigation '' I have spent several hours communicating over online chat with AMEX. 

Attached is a confirmation with an AMEX representative confirming the bonus spend and terms were met and a receipt of payment from AMEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on 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 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made my mortgage payment over the phone on XXXX XXXX, 2017. i successfully gave them my account # and routing #. I received a confirmation code that the payment was successfully processed. I was traveling for work and pleasure the next couple of weeks. But i was domestic and my phone was working the entire time. I arrived back from my vacation to threatening letter from Chase Bank saying my payment was n't received. they never called me once to let me know. I have been making successful payments for 15 years to Chase ; i have never been late FYI. Right when i was made aware of the problem i made another payment to chase and i am currently up to date as i have been for 15 years. 

Chase reported me late to the credit agencies and it reduced my credit score to XXXX from XXXX i have been working for 15 years to get that credit score. 

I have tried calling them 4 times and got all the way to the executive team to try and resolve myself. ( they kept on saying they would call me back after investigated but every week i keep on calling them to no avail ). But they tell me that chase did nothing wrong and they cant change it to the credit agencies. But they waived all the fees and said sorry. On the recording they said i only gave them 5 account # 's. Every bank account in america has more then 5 numbers. i think maybe the phone cut out and the rep did n't hear me. the rep should have asked me to repeat the number and why did they give me confirmation code????? they also did n't call me to let me know that it did n't process. numerous chase errors. They tell me the only way to hear the internal call is to sue them and get it thru court. this is crazy. i tried to make my payment on time and i need your help. Chase is terrible and i am sure they receive numerous complaints. please help i have no other options. best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with Citibank. ( Our account number is XXXX. ) In XX/XX/XXXX, Citibank began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX, prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my dispute was denied by Citibank because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX, I submitted a new dispute, directly with Citibank for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from Citibank dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau 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 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how  this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on 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 2017-09-05 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am and have been an XXXX customer for more than 17 years. Last Monday, I called to ADD a new service at a 2nd address and was told I was not required to pay a deposit. On Tuesday I received an email saying I needed to call about my order. I called and was told because of my low credit score I had to pay {$50.00}. I have a credit score over XXXX and told her that was ludicrous but did n't have time to argue and paid the {$50.00}. On Friday I arrived at the property expecting a modem for the wireless service I ordered on Monday. Not only did I not have the equipment but I had a letter stating that I had a credit score of XXXX according to SageStream LLC. I paid XXXX for my credit score and its over XXXX. Clearly SageStream is illegally reporting credit scores and also violating federal law by not giving me a REASON for such score. 

I have called XXXX and SageStream with zero luck getting anywhere. 

SageStream told me they gave me a XXXX based on data from the last 3 years. I have not opened any new credit accounts in the last 3 years. I have ZERO debt except an XXXX XXXX XXXX that I 'm paying the balance in full each month. 

SageStream refuses to give XXXX any reason for this low score and its causing a lot of issues for me. 

I 've filed a complaint with the Georgia Public Commission because XXXX refuses to help me resolve this and I 've filing this report today because SageStream is falsely reporting a credit score that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX repeatedly fails to give me my credit report, without saying why, with a non-specific error : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX "

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 2017-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Good Morning, The question templates do not reflect my issue at all. I apologize for going another direction with this complaint, but it is as follows : I do not have exact dates, but Navient has always denied my ability to split our school loan with my ex-wife, who has a poor payment history and is affecting my ability to pay back my half of our loan. 

That there is not an option for splitting loans due to events like divorce is maddening. I want to pay my half of the loan. But since it 's not eligible to be split, my credit is constantly being hit because of my ex-wife 's non-payment of her half of the loan payment on many months. 

I am at my wit 's end and am begging for an opportunity to have the loan split. Because of non-payment this month and last month, our payment amount has doubled in size with an unrealistic current amount due at over {$1000.00}. 

Please help. Thank you. 

XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I paid a company, XXXX XXXX, $ XXXX by debit card for a service they never provided. Wells Fargo allowed the them to keep my funds stating that: "you did not cancel the service as outlined in the terms and conditions signed by you."It turns out this company is a scam and criminal enterprise, the owner is being criminally charged for doing to others, what he did to me. 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