vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
We fell behind on our mortgage back in XX/XX/XXXX. To save our home we filed for bankruptcy. During the bankruptcy the trustee sent payments in however the bank posted them as principal payments instead of monthly payments causing us to go from 3 months behind to 10 months behind. I attempted to dismiss the bankruptcy back in XX/XX/XXXX but did not qualify. I then decided to apply for loss mitigation assistance from our lender so we could exit the bankruptcy and be on track with our payments. I have since applied once a month for the last 6 months. Each time we were either not told what was needed to complete our application or were told additional info was needed but was not provided enough time to submit prior to reaching our application closing date. We are now facing foreclosure proceedings to start XX/XX/XXXX. I have made every attempt and provided every piece of documentation needed by our lender and they still closed all 5 of our applications as incomplete. I could never get a straight answer and or could never reach out point of contact to discuss the issues.

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 2018-07-02 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: Reliable Credit Association, Inc.
State: GA

Complaint narrative:
I filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX.  They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Another issue with Chase Sapphire Reserve benefits. 
It is just absurd to allow this bank to operate freely like that with no consequence. 
Now I have a claim for the Purchase Protection that is another disaster. 
I purchased a glass pot during a trip through XXXX and unfortunately it broke on the bus. 
I submitted all the documentation including photo of the broken pot, receipt and credit card statement. Everything just like as requested, and in order. 
All I keep getting is a request from the company saying my receipt is not legible. So absurd! It is very clear, you can read every single character there. It is a high definition photo that allows you to zoom and see even the tiny paper marks. There is absolutely nothing illegible there. 
If the person working on the claim really thinks it's not legible, I strongly suggest doing an eye exam. 

*I refuse to play this game*. 

It is the THIRD time I'm requested to reupload the documentation, and the documentation IS VERY clear and totally legible. 

This is a clear attempt to not deliver the benefit, and should be investigated. 
I'll attach here the exact same image I sent to the claim. 

CFPB : we are dealing with an IRRESPONSIBLE company that should be fined for doing this. As I said before, THIS IS NOT the first time I have problems with benefits offered by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

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 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
For years, I have been attempting to resolve this dispute with the Mortgage Holder / Servicer ( s ) of my Home Loan - first on my own, then with the assistance of others - including my attorney. 

Despite our best good faith efforts, the Investor ( XXXX XXXX XXXX XXXX XXXX ) and current Servicer ( Mr. Cooper, formerly known as NationStar Mortgage ), continues to act in bad faith. 

Although both entities have been disciplined and sanctioned by governing bodies ( XXXX XXXX XXXX XXXX XXXX by the OCC, and Nationstar/Mr. Cooper by the CFPB ), I have received no remedy - and am now pleading for relief from the CFPB. 

The most recent grievous actions surround Mr. Cooper refusing to deal directly with me - or any of my appointed representatives. Contact, requests for assistance, and negotiations have been referred by Mr. Cooper to their legal Counsel. 

That attorney, XXXX XXXX XXXX ( Partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX  | XXXX, FL XXXX D : XXXX XXXX XXXX | T : XXXX XXXX XXXX XXXX ) has not made headway in communicating my needs to her client, neither does she respond properly to my requests for assistance. 

Documents submitted - per the Servicer, must go first to XXXX XXXX. this has caused me to have to share sensitive and personal information with a third party I have not done business with, and who is free to utilize this information for whatever she chooses ( in my opinion ). 

I have filed a complaint directly with Mr. Cooper, sent requests and information through their 'secured portal ', and attempted to contact all published resources - only to be told offhandedly, that I do no qualify for assistance because of reasons which make no sense. 

I have repeatedly submitted a complete hardship assistance application to this Servicer - the Investor was apparently forced out of business for similar abuses by the OCC ( Office of the Comptroller of Currencies ), and to the opposing counsel in this case - to no avail. 

I am pleading with the CFPB for more intercession than a 'resolved-Servicer replied ' ( paraphrasing ) response. I am praying that the various available options - including settlement monies set aside for persons like myself be utilized to make me whole - and allow the parties to resume their business amicably. Please help me to save my home. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
To Whom It May Concern, This is in relation to my XXXX Credit Card issued by Banco Popular de Puerto Rico, account ending XXXX. My annual membership fee was renewed and posted for {$140.00} on XX/XX/2018. My statement closed on the same date. I called Banco Popular and closed this account on XX/XX/XXXX and requested the fee to be reversed. I paid off the balance ( but not the XXXX $ since this was going to be reversed. The reversal shows as posted on XX/XX/XXXX however, after the account was closed and i paid off the balance, the Bank charged {$1.00} ( on XX/XX/XXXX ) interest on the annual fee that was reversed. This fee should have been also reversed as part of the account closure however the associate may have forgotten to do so or maybe there was a system error. In XX/XX/XXXX i was assessed a XXXX $ late fee, in XX/XX/XXXX $ late fee plus XXXX interest charge. The XX/XX/2018 statement showed a balance of {$4.00}. The account was reported as closed with missed payment and my score has dropped over 60 points which hurts my chances of getting credit due to this bank error. 

On XX/XX/2018 I made a payment of the maximum amount i could do ( XXXX $ ) in anticipation of more trumped up late fees or interest charges ... This balance is due to bank error, hence I am requesting my XXXX $ refunded via check and the credit bureaus reporting remediated ASAP to show I have not missed any payments and the balance is XXXX and was XXXX at time the account was closed. 

I have several times attempted to call the bank at the number indicated on the online statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  Every time i call and tried to select any of the IVR options none go through ( can not get balance or get to a representative, etc. ). I have emailed my complaint to the email on file at XXXX, however I got an automated email saying to call the general phone number ( which does not work ). I have recorded the calls showing attempt to call to solve this in a reasonably manner, however I need help at this point from CFPB since I am unable to contact this bank ... I have recorded all the calls showing desperately attempting to select any of the IVR options and none would work. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
ACH Authorization does not specify how automatic withdrawals can be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a Bank of America client since XX/XX/XXXX. I have never had an overdraft, a NSF, or a returned check. My checking and savings accounts with Bank of America are in perfect standing. 

In XX/XX/XXXX, I was approved for the Bank of America Travel Rewards Visa credit card with a credit limit of {$2000.00}. I have never missed a payment and my account is, as far as I know, in perfect standing. 

On XX/XX/XXXX, Bank of America sent me a letter stating, This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the banks risk tolerance. 

As of XX/XX/XXXX, I had over {$100000.00} on deposit with Bank of America. As of XX/XX/XXXX, the total credit available to me from Bank of America was {$7000.00} across two Visa credit cards. Both credit lines were closed, without warning, by Bank of America. 

Despite the fact that the funds on deposit are at least 14 times greater than my available credit, and my payment history is 100 % perfect, the bank claims that there is a problem with my risk profile. 

I have contacted multiple departments within Bank of America, even writing to the Office of the CEO, and all I have been told is that my account is closed, the decision will not be reconsidered, and Bank of America has no obligation to tell me why I am being denied 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 2018-07-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I INFORMED EQUIFAX ALMOST 3 MONTHS AGO THAT SOMEONE HAD BEEN USING MY SSN NUMBER AND I HAVE HAD SOME HARD INQUIRIES THAT I DID NOT AUTHORIZED. IT HAS BEEN BOTH EMOTIONALLY AND MENTALLY DRAINING DEALING WITH EQUIFAX AND TRYING TO GET JUST A DISPUTE STARTED WITHOUT THEM GIVING ME THIS PRERECORDED DISCLOSURE ABOUT " HARD INQUIRIES BEING FACTUAL OR I NEED TO CALL THE CREDITOR '' I HAVE BEEN BACK AND FORTH WITH EQUIFAX AND THE CREDITOR FOR MONTHS. ONE IS TELLING ME TO CALL THE OTHER. ITS RIDICULOUS. YOUR GUYS ARE REPORTING INACCURATE INFORMATION WITHOUT BEING ABLE TO VERIFY IT WHICH IS CAUSING MY CREDIT SCORE TO GO DOWN. I KNOW THAT THIS IS AGAINST THE LAW AND I WILL FILE A COMPLAINT UNTIL THIS MATTER IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/2012 I had a personal check stolen from me and it was thru Bank of America a new account. The check was stolen from me by a family member then deposited thru atm at a XXXX XXXX XXXX in XXXX TX for XXXX cash.. Bank of America processed it then took the funds back. i filed a complaint thru XXXX XXXX telling them who did it etc. It involved another family member which is on camera and she would not press charges against the person that did this.. I have an XXXX XXXX against me and can not open a brick and mortar an bank account. The check was somehow sent thru again. I disputed thru XXXX XXXX XXXX and Bank of America still denied. I am a victim of identity theft what can be done at this late tme.. I cant get thru a direct line or person at Bank of America they send me in a circle w XXXX XXXX. Ive completed all my appropiate paperwork. Done this 2xs ...

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 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?

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 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome Mortgage is rejecting my monthly payments and is trying to purposely take away my home.

Please help!

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 2018-07-02 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: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 I went to " XXXX XXXX XXXX '' to purchase groceries. I had over {$1000.00} in my checking account but I was denied purchase stating that my card was rejected. I inputted my password at least four times but to no avail. It was the third time I had been rejected in the last three months : XXXX, XXXX & XX/XX/2018. I believe they are holding my money to meet their threshold or quota for the month or quarter. I called them each time and I couldn't get a straight answer, their responses rooted in perpetual lies. I look forward to having this issue resolved and not be humiliated holding up long lines of angry shoppers waiting.

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 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit

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 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Loan XXXX Borrower : XXXX XXXX To whom it may concern, I am writing this letter as my last attempt in hopes of coming to a solution with my servicer and having them postpone the current sale sate scheduled for XX/XX/2018. My mortgage loan is an FHA type of loan and my investor is XXXX XXXX. I was informed that I can send a complete mortgage assistance package to my lender 7 days prior to the sale date in order to receive a postponement and proceed with my modification review. And so I sent over a complete package to my servicer on XX/XX/2018. I called my servicer and I spoke to XXXX the supervisor in loss mitigation on XX/XX/2018. She advised me that my investor was XXXX Not XXXX XXXX and that I had run out of time to proceed with my modification review. I let her know I was advised differently and that I even looked up my investor on XXXX and the system reflected my investor being XXXX XXXX. It seemed as if she didn't even care nor did she have the information for FHA 's guidelines. All she did was kept repeating herself that my investor was XXXX and they could not do anything for me anymore. From what I have been advised and what shows on the FHA website, is that a borrower can submit a complete mortgage assistance package 7 days prior to a sale date and still have the opportunity of proceeding with a modification review. It seems Mr. Cooper is trying to do otherwise and will not give me a chance to save my home even though by law I should be entitled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TX

Complaint narrative:
On XX/XX/XXXX, I received this email from Experian ( of which i am not a member - so its a spam email looking to gain business ). 

" Experian Membership ID # XXXX Member Sign In Introducing your free FICO Score, XXXX See your score " When you click the see your score link, it requires a login and acceptance of a membership with Experian. 

Once you have done this, you are taken to a page that tells you your credit REPORT is free but you must PAY for your score. Which is the clear and absolute opposite of their email. 

This is flat out theft and fraud, perpetrated upon millions of people looking to get their credit information. 

Please prosecute Experian to the full extent of the law. Use of email to commit credit fraud is a felony.

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