vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Service Finance Holdings, LLC
State: TX

Complaint narrative:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive tried to submit dispute on TransUnion website a few time but have been unsuccessful completing my claims through the website.

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 2019-04-03 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. 

I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
Statebridge Company has and continues to not send my monthly mortgage statement on time, as of today, XX/XX/19, no statement has been received by me even though the payment is due XX/XX/19. This has been a common practice of Statebridge Company in order to assess late fees for payments not received on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I talked to Chase 's Military Benefits Department in XXXX or XXXX of 2018, and was told I needed to apply prior to XXXX XXXX in order to get my annual fee waived for the first year ( and going forward ). Upon activation to XXXX XXXX, I applied for SCRA benefits, and was then told the first annual fee would not be waived. If we would have been informed correctly, I would have just waited until entering XXXX XXXX to apply. I asked them to pull the call, and they said they could not without a specific date and time. As I did not expect to be lied to, I did not write that down, and they are unwilling to help any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This complaint is a continuation of complaint XXXX. I have yet to have the issue resolved with Capital One regarding the inappropriate fees. They have referred me to collections on top of this. Also the ongoing fraud investigation has yet to be resolved. I have called Capital One on several occasions, multiple times a week to get a status on the investigation because my account in its current status has had a negative impact on my credit report. No one will give me an account of what is happening, I have submitted requested ( and very sensitive ) documents over and over again, without any followup or request to resubmit due to an error unbeknownst to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UMB FINANCIAL CORPORATION
State: NE

Complaint narrative:
RE : Misleading offer from UMB Bank Visa Signature Card.

Offer States : " 20,000 bonus point offer when you spend {$1500.00} in the first 90 days of opening your account. You may even choose to redeem your 20,000 points for {$200.00} cash back or use it for other great rewards! '' Does not state in offer any delay in having points credited to your account for redeeming the reward. Other credit card companies apply the points to your account upon your monthly statement when qualifying for the reward. 

I did contact by phone UMB Bank and was told they did not have a rewards department or contact person and that any qualifying points that I was entitled to would be delayed from being added to my account after 90 days and one to two billing cycles of the card. This wasn't specified in the written promotional offer, making it impossible for any cardholder to be aware of the delay in receiving the bonus reward. 

I made numerous phone calls over a 2-day period ( XX/XX/2019 & XX/XX/2019 ) to have my reward points applied to the credit balance on my account only to be mistreated and given a vague response. 

Please note the offer states " WHEN '' I spend {$1500.00}, which means at that present time qualifying for purchases of {$1500.00}. UMB Bank is not abiding by the terms stated in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: OH

Complaint narrative:
On XX/XX/XXXX, two fraudulent charges were made to my card from XXXX for {$110.00} and {$1500.00}. I called in to dispute these charges and was issued a new card. 

Citibank says that on XX/XX/20 they have a recording of me saying these charges are not fraudulent and denied the dispute. 

However 1 ) I was not in XXXX XXXX ( where the charges were made ) on that dateI was in XXXX XXXX. My credit card receipts show this. So it is impossible I made these charges. 

2 ) It is quite likely some confusion involved because there was a valid XXXX charge on XX/XX/XXXX. It is possible I misheard the date they mentioned or they incorrectly mentioned the wrong date. 

3 ) They refuse to let me hear the call 4 ) They refuse to listen to the more than 10 other calls I made attempting to straighten this out where I clearly said these were fraudulent charges. 

5 ) The lady who denied the charges is the one who incorrectly charged my card for other charges. I had to file a complaint with you ( CFPB ) to get this resolved as she refused to accept her mistake. I have asked for another agent to review the charges.

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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
For the last year I have received repeated calls from a XXXX XXXX XXXX. This company has used threatening tactics, extreme robocalls, and contacted family members despite my telling these reps Do Not Contact me, my workplace, or family members. I have asked to have paperwork stating that I took a loan with them but each person refuses. This morning, I have a message on my voicemail from a woman stating that she is coming to my house tomorrow morning, XX/XX/2019, and I had better be there. She actually read my address aloud. These people are contacting my family members as well. My XXXX   daughter  has a XXXX   XXXX and although she has said not to contact her, she continues to receive phone calls. This triggers extreme XXXX XXXX and setbacks.

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 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
On Monday, XX/XX/2019 at about XXXX, I tried to repay a loan at ACE Cash Express on XXXX XXXX in XXXX, OR. It smelled like cigarette smoke inside and I complained about it. XXXX told me to leave and refused to accept my repayment. 

I do not think I should have to repay the loan at all. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My car was declared a total loss in XX/XX/2018. XXXX payed off the loan except for {$1.00}. Santander never informed me of the remaining {$1.00} balance. Santander charged off the {$1.00} and reported it as a charge off to all 3 credit bureaus. I was never informed by Santander of their intent to collect the {$1.00} nor that they would report it to the credit bureaus without trying to resolve the issue. I've called Santander to ask them to remove the charge off but they insisted that I send a dispute letter for this charge off. This doesn't seem as though this is something I should do as they didn't bother to send me any correspondence of their intent to charge off the account and then report to the credit bureau as if I didn't complete the payment of the loan when XXXX didn't pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX has been recieving calls from XXXX XXXX XXXX claiming that he owes a debt that actually was never owed because one thing is his lawyer XXXX XXXX even called these people and they appeared to be very rude and could potentially violate FCRA. There has been some recordings saved of these messages .No action or paper work was sent to us for valid proof of debt that client management services claims he owes they said {$6000.00} but how because XXXX could not really do anything during chapter XXXX bankruptcy neither can he do anything during chapter XXXX which he is still in right now.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
When I purchased my home in XXXX of 2018, there were two separate parcels as part of the sale, my home and a contiguous piece of land. These had two different parcel numbers under the same address with a total real estate tax amount of {$12000.00}. ( {$740.00} + {$12000.00} ). Unbeknownst to me, someone had mis-entered the 2nd smaller parcel 's number on my mortgage account for my escrow and my next door neighbor 's property was listed in my escrow account as the second parcel on my property. This resulted in the mortgage company ( Ditech ) paying for the real estate taxes for both my house and my next door neighbor 's house with the second smaller parcel on my property 's taxes not being paid properly. This error was in the amount of {$9100.00}. As a result, my escrow account was completely depleted and an escrow analysis was then performed resulting in an increase of my monthly mortgage payment from {$3600.00} to {$5500.00}. I tried several times via phone and email to reach Ditech only to receive a letter in the mail stating they had 30 days to research and resolve the problem. However, this 30 days has since come and gone.I 've just now called the tax assessor 's office ( XX/XX/XXXX ) and they have indicated that there has been no attempt to correct the error on my account. 
In the interim, Ditech transferred my loan over to another company called New Rez. They are now demanding the monthly payment of {$4900.00} because that was the last amount sent to them by Ditech as the amount I owed with no mention of this pending investigation. I have called New Rez to apprise them of the situation and sent an email requesting that this be investigated as well. This new payment was due on XX/XX/XXXX and I have a 15 day grace period to pay the amount but they told me that I would be penalized if I did not pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: FC HoldCo LLC
State: CA

Complaint narrative:
The account was paid in full on XXXX-19 and has not been reported or updated

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 2019-04-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The date of first delinquency on these accounts is XX/XX/XXXX. Unpaid medical collections stay on your credit report for seven years counting from the date of first delinquency. They should have been removed as of XX/XX/XXXX. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$110.00} Original creditor : XXXX XXXX XXXXXXXX I keep disputing this charge on my credit report. It is an old medical debt and because of the collections status I have been continuously denied credit lines based on the existence of these accounts on my credit report. Nothing happens and the date of the original charge is consistently changed so it never falls off. Disputes submitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used an attorney to pay off credit card debt after divorce. I paid off American express bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately American Express has placed a lien on the mortgage, despite the account being completely paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was denied a bank account due to a fraudulent account that opened in my name with Chase in 2012. I brought in documents supporting being a victim of identity theft, police report, etc. Still denied account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
I am writing regarding extreme disarray with the functioning of my student loan servicer, XXXX XXXXg. I received emails indicating that my loans were in a grace period after graduating. Therefore, I was shocked to discover a large debit from my checking account via my loan servicer. I reread the emails to be sure I hadn't misread the content, and I was able to confirm that they indeed stated that my loans were currently in a grace period. In order to have documentation of my contact with my loan servicer, I emailed my inquiry about the situation using my loan servicing account online and for weeks I did not get a response to my question. I called to follow up on the issue and was told that the email that was sent to me was not correct in stating that my loans were in a grace period. Only some of my loans were in a grace period, but others were not, which caused the large withdrawal from my checking account. The representative could not provide me with any information regarding why I had been sent incorrect information regarding the status of my loans. 

Since I am taking care of an elderly family member with XXXX in lieu of working, I am unable to afford my student loan payments at this time. I applied for an Economic Hardship Deferment, and provided documentation using the online file upload. I have not received any acknowledgement that my application for deferment was received or processed in three days it will be one month from the date I applied. I called again and was told that my application was received but it has not been processed, and that it could take up to 20 business days, but that the processing times have been beyond this time frame. I was told by the representative that the only option was to contact my bank to file for a stop payment, which cost {$30.00}. After having the bank put a stop payment on my account I received an email from XXXX   XXXX  indicating that they had processed another debit from my account. When I went to verify this with my bank I found that this was incorrect, because the stop payment prevented the debit from being processed. Yet another email which provided correct information from my servicer. I understand that I am not alone in my experiences with this company. My experience with the company related to the Public Service Loan Forgiveness program has been terrible, with the  company losing my paperwork repeatedly. The conduct of this student loan servicer is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: MI

Complaint narrative:
Equifax will not allow me to dispute a fraudulent inquiry, even though I've stated to them it's fraud and I am a victim of identity theft. I have also provided them with a police report showing just that. They will not help me as the inquiry is fraudulent and I didn't apply for anything. The inquiry on question is XXXX XXXX on XX/XX/2019. Please help as they are not willing to help me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: Service Finance Holdings, LLC
State: TX

Complaint narrative:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

Company response to consumer: Closed with explanation