vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
This complaint is connected to Complaint Numbers : XXXX Caliber Home Loans XXXX XXXX XXXX XXXX   Representing : XXXXXXXX XXXX XXXXXXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX XXXX transfered Mortgage to Caliber Home LoaXXXX XX/XX/XXXX XXXX Kept filing papers for Foreclosure after XX/XX/XXXX Caliber refused to communication and work out ANY payment schedules. 
Loan was In Husband and Wife Name and was foreclosed in Husband name only Wife is still In Title per XXXX XXXX Superior Court. 
House is vacant and need contact number to negotiate to move back into home of 43 years. 
Caliber Home Loans has had my permission to talk to CFPB and refuses to answer my calls regarding the CPFB Complaint referenced above. 
Sent Hand written and legal docs to MR. XXXX XXXX on XX/XX/XXXX. Still no Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I disputed fraud charges on my account for charges amounting to whole balance of the account and Chase denied my claim for some saying they were done on the applepay and same phone as chase app use to access the account, I let them know that my chase account was comprised including the login information. With the other transaction they denied it saying the chip on the card was used and that there were other charges that came in after that I did not report as fraud, this is another issue because I reported the entire transactions totaling to the balance of the account including those their saying I did not dispute as fraud. So the issue here is that Chase does not want to do it's job and really investigate my claim, as they even say in the letter they sent me, they completed this in two days and they never sent me any paperwork to sign and return back for the fraud claim so Chase didn't really do any investigation or any interest in getting the funds back from the merchants. They were also interested in holding me responsible for this and not really work on it, I have enough to file a lawsuit and will if they continue to do this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
The account that diversified consultant lists on my XXXX   account is inaccurate. After trying to reach out to them by sending a validation letter Diversified Consultant responded by sending a bill from XXXX never validating the accuracy of the account. I have never had a XXXX account and they are inaccurately placing information on my credit report that is harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested that XXXX XXXX provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Quicken Loans hard pulled my credit report without my permission, which lead to decrease of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : [ XXXX XXXX ] [ XXXX ] [ Charge off/ Failure to Pay ] [ The information on this account is incorrect- I am in the process of trying to purchase a house and I had my credit ran- It has a note that my XXXX account was charged off in XX/XX/XXXX- yet I have been in a credit counseling service since XX/XX/XXXX. I noticed that I missed only one payment and that was in XX/XX/XXXX. I am now concerned that this debt is being paid monthly but is being reported to the credit bureaus as a FP ( Failed to Pay ) but you get paid every month as agreed with the credit counseling program. Please advise how this is a fail to pay, yet you receive the payment monthly? Attached are the statements from XXXX XXXX XXXX and a copy of my report from Experian . ]. 
My contact information is as follows : [ XXXX XXXX XXXX ] DOB : [ XX/XX/XXXX ] SSN : [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXX XXXX, MS 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 2018-07-24 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MN

Complaint narrative:
I reported fraud unauthorized transactions on my Discover card for the balance on the card. I never got any letters from Discover for claim forms to sign and return back and Discover is calling me everyday with collections on this fraud charges. Also they are reporting negative late payments on the credit reports as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Pintor Partners, LP
State: TX

Complaint narrative:
This month is the 3rd time I have tried to pay off my account with the company XXXX XXXX located XXXX XXXX XXXX XXXX TX XXXX. This has happened since the day XX/XX/XXXX on the phone and Every time I call the store to pay off my account in full. they do not let me do a fun payment to pay off my account. They say that they will report it the my credit that I am not making my monthly payments on time. and that will affect my credit in a negative way. They tell me to make my monthly payment only. so Im not allowed to pay off my account in full which is what I want to do. and all 3 times I have gone all 3 different employees have told me and treated me the exact same way which is unfair. when I asked for a Supervisor they denied to transfer call their supervisor. I was told that the manager would tell me the exact same thing about not being able to pay off my loan, so it was pointless to speak to the manager. every single time I speak with a employee they are very rude and direct. 
When I make my loan with XXXX the employee who made my loan explained that there are no penalties if I payed off my account in full early. and explained to me that if I payed off my account early would save interest and it would get reported to my credit as a positive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I have made complaint to this organization in the past regarding Bayview Loan Servicing ( hereafter BLS ), and I am not sure if you do anything, read the responses submitted, or have any useful purpose to the consumer, however I made this complaint under XXXX, and want that complaint to be the input for this one coupled with the attached documents. 
BLS via its law firm replied to my last disputes by providing a factually untrue statement with the hope of hiding behind what it stated was the fact that it was in current litigation between the parties, and the issue in my complaint were addressed therein. 
First that is patently false that the parties are in litigation. The case was dismissed on XXXX-18. ( see attachment ) as the case was not ripe for adjudicating. 
Second the issues broached in XXXX dealt with issues of post XXXX-18 and issues that are still occurring with no response even though I have reached out to BLS. 
I have paid off one of my loans XXXX as of XX/XX/2018, and my other loan XXXX will be paid off in either XXXX or XXXX of 2018. BLS is refusing to give me my loan documents and extinguish any UCC 's against my apartment ( XXXX  ) even though it is paid off. They have placed legal fees and escrows illegally on my accounts ( XXXX & XXXX ), and have refused to send me invoices for either of the loans ( which I believe they illegally have been holding ) since XXXX of this year. 
I demand that CFPB require that they put forth a real answer and not the non-sense they have been sending without ever dealing with the issue. 
They are not sending me any correspondence or invoice ( s ) and refusing to communicate in any fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had had fraud charges on my XXXX XXXX card and reported those charges and the claim was denied because the claim dept said I have not return the claim form, I have sent the form back to them 4 times with a police report. I disputed charges that amounted to the entire balance on the account. Now they have reported to the credit reports as collections and sent me to collection which unacceptable, I have communicated to them for the past several months about this issue.

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 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, representing Army and Air Force Exchange ( AAFES ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I took advantage of a zero interest balance transfer offer made by my credit card, Citi Cards ( zero interest until XX/XX/2019 ). I clarified with a chat customer service representative that in order to not be paid interest I would have to pay the minimum payment due and the standard purchases in that statement period. Two months in a row, I was charged interest even when I made a payment that covered both the minimum payment due and the standard purchases on the account. The first month it happened, I contact the customer chat representative, they acknowledged that there was an error with how Citi calculated the interest and credited me the interest charge. I was also assured that this would not happen again. The next month when this happened, I contacted the chat customer service, and they could not explain to me why I was charged interest and I was told to call customer service. Each customer service person I spoke to refused to understand how I overpaid the minimum amount and finally I had to be transferred to a manager. XXXX, the manager, told me that he can not give me a refund because I already received a courtesy refund last month. I explained that the refunded interest was as a result of an error and demanded that he take my through the statement I was charged interest on in order to explain how I did not pay the minimum amount. He tried to show me how I overpaid but when the math clearly showed that I had over paid what the minimum amount was ( the min amount due plus standard purchases ) he put me on hold and then told I was correct that the system made an error. He also told me that this was the last time he could give me a courtesy refund on interest charges. I demanded to know how this was a courtesy because Citi had made errors both times in calculating interest. He stated that it was not an error because if I want to avoid paying interest while taking advantage of a balance transfer offer, I need to not make additional purchases. It is clear to me that this problem is prevalent to all customers who take advantage of citi balance transfer offers and that customers are bring maliciously charged interest.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT AND FOUND AN OLD CREDIT CARD ACCOUNT THAT I HAD OVERLOOKED AND IT WAS STILL ACTIVE. I DID NOT UPDATE MY INFORMATION WITH THE COMPANY BEFORE I XXXX, SO MY MILITARY STAR CARD STATEMENTS ARE STILL BEING SENT TO A THREE YEAR OLD ADDRESS. THEY SAID THAT THE LAST TRANSACTION THAT I MADE WAS IN IN XXXX OF 2015. ACCORDING TO THE COMPANY, THEY CAN NOT UPDATE THE ADDRESS WITHOUT MY CONSENT, EVEN THOUGH THEY CAN SEE MY UPDATED INFORMATION IN DEERS. I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS, BUT THE COMPANY CLAIMS THAT THOSE CHANGES ONLY LAST FOR 6 MONTHS. THEY DID NOT SAY THEY HAVE RECEIVED ANY RETURNED MAIL, EVEN THOUGH I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS SINCE 2015. THEY DID NOT CLOSE OR CHARGE OFF THE ACCOUNT AND IT IS STILL ACCRUING FEES ( LATE FEES, ACH-DECLINE PENALTIES, ETC. ) I CALLED THEM TO ASK FOR STATEMENTS AND TO UPDATE MY ADDRESS. 
I CAN NOT RETRIEVE STATEMENTS ONLINE SINCE I DO NOT HAVE THE CARD NUMBER AND THEY DO NOT KNOW WHEN MY REQUEST TO RECEIVE MAILED STATEMENT COPIES WILL BE PROCESSED. THEY REFUSE TO EMAIL ANY INFORMATION TO ME. THEY ARE WILLING TO GIVE ME THE BALANCE AND ACCEPT PAYMENT BUT I DID NOT WANT TO PAY SOMETHING OFF WITHOUT SEEING A STATEMENT.

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 2018-07-24 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.

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 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
Company called stating I owed over {$200.00}. I contested it, told them I would not pay them only the original creditor, then asked her to stop calling. I was told they would keep calling and keep reporting negatively to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One issued me a XXXX XXXX Preferred credit card. They change the minimum payment and can not tell me, nor is it written anywhere in the terms I agreed to how they decide the minimum payment amount from month to month. I contacted them 4 times on XX/XX/18 to try and get an answer from someone, even spoke to a supervisor. He did not help. I began with a purchase that was maxed out. The minimum payment went up as the balance went down. I was trying to figure this out on my own, since they could never help me. It went up {$82.00} on me and can not tell me why or guarantee it says at that amount. I would like you to tell me if it is legal to cause someone an unexpected payment which can not be planned for and causes them to get behind, with no business reason for it. Otherwise, I want you to investigate. Now, before they pass me off as a XXXX who can not read, I am aware that they add deferred interest, past due amounts and fees to the statement minimum payment. I do not understand where they come up with the statement basic minimum payment when none of that extra circumstance applies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
I want delinquent payments taken off my payment record. On XX/XX/2015 I payed 3x the payment amount ( {$240.00} ), then the record says no payment was made until XX/XX/2015. I have since made 39 consecutive monthly payments of the requested amount, and I have paid one loan off in full. The company said they did not have a resolution to the problem. Due to the duration of consistent payments and the inactivity of the company to resolve the problem, I am filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: AR

Complaint narrative:
EQUIFAX MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NIC, Inc.
State: CA

Complaint narrative:
I have received numerous calls from the company calling my employer and impersonating a lawyer and threatening to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection Thank You

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation