vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   CITIBA  NK N A   XXXX   XXXX ,  XXXX  Open {$910.00} Account Details Last Reported   XXXX    XXXX ,  XXXX  Collection Agency   XXXX   XXXX   Original Creditor  XXXX   CITIBANK N A  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed  Dat   e -- Responsibility Individual Balance {$9  10.00} High Balance {$910.00} Remarks Placed for collection Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with   XXXX   please wait for your prior dispute request to be processed or contact   XXXX   directly.    XXXX  See the details here Compare this account on your      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 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Recently my credit limit was lowered based on wrong information on my  XXXX   XXXX  credit report. My credit report has since been corrected and the reasoning for lowering my  credit score  is not valid.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In  XXXX   XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for  XXXX   XXXX   XXXX  Mortgage. They were suppose to pay the property taxes in  XXXX   XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or  XXXX  since  XXXX  with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is  XXXX  and they are in  XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  CRACCEPT/CAC   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details CREDIT ACCEPT CORP/CAC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  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 2017-05-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   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 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Please see the attached  XXXX   XXXX   XXXX  for details of the homeowner 's grievances regarding   Ocwen Loan Servicing.
In brief, Ocwen Loan Servicing made a modification agreement with the homeowne  r in  XXXX , which she paid into faithfully for several years. However, although Ocwen accepted the payments, Ocwen did not honor the loan modification. In  XXXX   Ocwen  rejected payment. In  XXXX  Ocwen commenced a foreclosure action in which the  XXXX  modification agreement was not acknowledged. Ocwen has since agreed that the modification took place, but has not corrected the account and continues to charge interest and demand payment as though the  XXXX  agreement had not occurred.  ( See paragraph 12 of t he Plaintiff 's Opposition to  XXXX  to Dismiss. ) Ocwen has thus far been unable to provide a clear accounting of what has happened with this loan.   Later in  XXXX  the homeowner received a notice from  XXXX , through which many of the payments were made, indicating that Ocwen had rejected a large number of her payments. This was the first time she received any notice that her payments from   XXXX   through  XXXX  were being rejected. They had been accepted previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
Someone from  CBE Group  keeps calling from  XXXX  STATING THAT THEY ARE TRYING TO COLLECT A DEBT. The robo call does not state who they are calling meaning a name.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.

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

Complaint narrative:
I have called and mailed numerous requests regarding these inquiries that did n't belong to me.      XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX    XXXX   XXXX  e  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX    XXXX  via  XXXX    XXXX     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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America continues to charge overdraft fees to my checking account for charges that have not posted to my account, most recently on  X/X/17   . Only when I spend  30  minutes on the phone to point out to a customer service rep and supervisor this unfair practice will they correct 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 2017-05-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OH

Complaint narrative:
Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment &amp; have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls

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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.

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 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 2017-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorde d and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributin g them  to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me w ith a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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