vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
You have already helped me with another issue that was cleared up with my existing loan. That was completed back in late XXXX. Thank you for your assistance. At the same time I had also reached out to my current lender for help with a loan modification. After speaking with one of the executives at Chase, XXXX XXXX, about my concerns, she informed me that it shouldn't be an issue and all I would need to do is fill out the appropriate paper work in which she included in her response through you in XXXX. They are well aware of my situation and that I already had my mortgage modified approx. 10 years ago when the market crashed. So that being said, I had sent them all required documents and paper work showing them that my situation had changed again and my income was less than last year. As per their request. I then just received a letter stating that I had only one option to short sell my house and they did not approve another loan modification because I had already received on back in 2010. That was the only reason why I wasn't considered. If I had known this I would have not had applied but no one ever informed me this prior to my efforts. Everyone at Chase was well aware of my situation especially because they had resolved another balloon payment issue from that modification. IS there anything you can do? I don't want to lose my house or have a short sell. I am paying my mortgage and not behind as of now but would appreciate if they would please be more flexible. The only other concern is that although I have my mortgage through Chase but it's owned by XXXX XXXX. 

Please let me know if you could help me again. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX. XXXX our escrow balance suddenly jumped from a balance of positive {$900.00} to a negative balance of $ XXXX on XXXX, XXXX, XXXX. Wells Fargo is unable to provide us with reason of changes for amounts. Escrow from XX/XX/XXXX to XX/XX/XXXX continued to grow into a negative balance of $ XXXX without any sort of explanation or notice of new balance now in negative, when never in all the years of owning home had it ever been more than $ XXXX. In XX/XX/XXXX we received a mortgage statement with a new monthly mortgage amount of {$860.00}, an increase from the normal amount of mortgage paid since XX/XX/XXXX when we bought the home, prior to XX/XX/XXXX monthly mortgage due was {$490.00}. After speaking with Wells Fargo regarding huge increase in mortgage they informed us it was due to a loan opened by a contractor of XXXX XXXX who opened a {$24000.00} loan in our name without our consent or knowledge, and simply stated we are to pay new monthly mortgage amount or risk losing our home due to lien put on by the contractor through the XXXX program, and opened the loan 2 years earlier in XX/XX/XXXX, we had no idea such contract or loan existed until XX/XX/XXXX. After reviewing said documents we noticed someone had forged our signatures and opened other accounts in order to submit contract through several entities such as banks and XXXX County Property Tax. We had no choice but to pay new amount until we can clear such matter, which after 8 months of dealing with XXXX XXXX and XXXX XXXX Attorneys we hired attorneys to represent us XXXX XXXX  suddenly removed the lien without our knowledge prior to removing the lien, they did it to avoid even further legal action but by then we had already overpaid Wells Fargo several thousands In XX/XX/XXXX our mortgage payment was reduced to original amount of {$490.00}. When I called to ask Wells Fargo about discrepencies and over charges they said we were entitled to a {$620.00} refund not the {$2100.00} plus we had already overpaid, they gave me several numbers to call within escrow department of Wells Fargo but they were unable to provide me answers on why there was a shortage in the Refund Amount, and simply told me they don't know where the money went but its been disbursed and con not be refunded the remainder of the mortgage I was forced to overpay to keep my home. How is it that they are able to make me over pay but when confronted with their mistake they are unable to pay me back my money because they paid out already. They never took the time to verify any document before they forced me to pay money I could not afford to pay because a contractor with XXXX XXXX used my name and forged my signature to open a loan. it is tortious interference with contract, fraudulent inducement, negligent, and it is unjust enrichment.

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 2018-12-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sorry if you get this twice, but I don't think it sent the first time. 
I never received a PIN after I put a freeze on my account at Experian in XXXX and tried to get the PIN by requesting it online and instead received the message attached. 

Never could get a live person to talk to. Are they or are they not issuing PINs after the XXXX security flaw exposure? 

What happened In XXXX, I placed freezes on my information at the three main credit reporting agencies. Even though I had read that PINs may be re-thought after the Experian 's latest industry malfunction, within a few days, I got a PIN via snail mail from XXXX, didnt receive one from XXXX   but was able to request another one by speaking to a representative over the phone recently and expect it will arrive any day. I did get confirmed through a live person at XXXX and XXXX that the freezes were in place. 

Then theres Experian, which refuses to have live people available for help. I went through prompt after prompt from one computer recording message after another. I was able to determine that there is a freeze on my account by choosing options leading toward unfreezing my account, which of course I can't do because I don't have a PIN and don't know how without one. So I requested the PIN online. After responding with all the requested information correctly, the system came back with the attached message, and I have since replied to it. 

This is just another example of a credit reporting company out of control and not being held accountable and responsible for the job it is supposed to be doing. I understand in light of the very poor performance of this industry that they may be taking extra precautions and I do appreciate " being protected, '' but they need to fix BOTH ends of the business, not just the protection side. And they need to give consumers access to a LIVE person. 

It's a good thing I don't have an emergency that I need to have money for. So they need to send me a PIN if they are still using them and, if not, an explanation of how to unfreeze my information easily and quickly when I want to. 

As a P.S., you have there are two wrong residential addresses on my account, which I tried to have removed years ago, and they refused because they said some financial institution reported that I lived there. I have lived in one house for over 40 years. At the time they insisted their info was correct. It wasnt and it still isnt. That's next on my list but I don't have much hope.

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 2018-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Applied for a XXXX  credit card in person at a XXXX location in XXXX XXXX on or about XX/XX/2018.Card is managed and issued by Bank of America . I was told by the agent at XXXX that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with Bank of America and was told that the card application had to be completed on line. I was NEVER told that by the agent at XXXX as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either XXXX and/or Bank of America. I want what I was promised regardless of who made the offer.

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 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 

2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 

3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX   flight.

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 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I tried to increase my credit limit with capital one account ending in XXXX.I was denied and received two letters of denial.These are probally hard inquiries which will result in a change on my credit score.I didn't apply twice for a credit increase, only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: MA

Complaint narrative:
I am contacting because I thinking paying back XXXX for a XXXX loan is a bit much and ti am not sure why it so high I am making payments but I believe that is too much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
The calls from Ally Financial first began in the earliest year of XXXX asking for XXXX XXXX whom I don't know. I informed them that they got the wrong numbers. The calls had stopped for a short period of time and backed up again and left me with numerous voicemails. The calls came in 4 or 5 times per day nearly every other day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. It has been nearly 4 years with all of my efforts to stop the call harassment. 

In addition, I called Ally twice and sent a certified mail to Ally financial in XX/XX/XXXX explaining the wrong numbers and cease the call harassment. I am still to be left with voicemails and calls despite my letter as well as being on the National Do Not Call registry and Nomorobo system. 

The debt collection calls were meant for someone else that is unknown to me. The most recent phone numbers from which I received the wrong numbers debt collection calls are ( XXXX ) XXXX and ( 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 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
The company I am having an issue with is Ocwen Loan Mortgage Company. They reported a XX/XX/XXXX payment late and I've never allowed any payment to pass its 30 day reporting time.

Also, all of the accounts are current and in good standing and they are not reporting it to the Credit Bureaus. This is preventing me from refinancing and attaining a better mortgage rate. This is not the first time I've had this problem with Ocwen.

I seriously believe they are trying to sabotage my opportunities for refinancing. Because I have expressed how disgruntled I've been with their customer service and business behaviors. Can someone please help me? 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 explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2018, I paid for a wire transfer to another person in Texas by Western Union at XXXX in XXXX XXXX, Texas for {$500.00}. I did this in person at the location hoping to get some funds to my granddaughter 's family - that needed prescriptions, fuel, and groceries through the end of the year. 

After must consternation with the company 's customer service I found out on XX/XX/2018 that the wire wasn't sent, but refunded without notifying me. 

On XX/XX/2018, I had to go again in person to one of their agents to get the amount refunded - still with no explanation, but that WU can not do business with the person. That seems like a classic case of discrimination. 

In my opinion, the WU organization has very, very poor customer service, as well as not performing what I asked them to do. And no explanation of why not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a Chase Freedom Credit card that was used to shop for food at XXXX and XXXX XXXX restaurant. My order was not completed which mean that I did not received the food ordered. I reported the issue to the restaurant and the restaurant agreed to refund the money. Since I did not receive the refund, I decided to engage the Chase dispute center to assist with this matter. Chase argued that they called the restaurants and decided to close the disputes in less than 2 weeks. 
I spoke to several people at chase and none would be ale to properly address my issue. I asked to speak to a supervisor and did not get one. 
To sum this complaint, Chase argued that since the charges were made at the restaurants they have the right to make those charges valid and I should be responsible for paying those fees. I had a last chance to speak to a supervisor on the dispute department and still none is willing to assist. I wanted to appeal their decision on the same while I am contacting their executive department and stop any extra charge on the balance. Chase put on hold and never get me to the right agent to appeal the dispute. after speaking the XXXX at the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft. 
Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I had a couple of security issues surrounding the house I've lived in for over 25 years recently. So I decided to get security cameras. I had a email from this company so I responded and spoke to a lady who quoted me a price of XXXX dollars for this system. It included so I thought the front and back door camera 's. After the installation they gave you 3 days to cancel, but there was no reason to cancel it was working well. Then I finally got the bill about 30 days later and it was for over 800.00. I was floored. When I called the company they told me that some one would get back to me, no one ever did. The finance company said they went on what XXXX told them and they submitted 800+. When I spoke to someone at XXXX he stated XXXX was for the kit which I thought I was getting, but that I had an extra camera added. The front door camera. I explained to the that this was not within my budget and no one every told be anything about an extra camera I had to pay for or I would have told them to forget it. He told me that I would have to speak to someone in management who would listen to the initial call to see what was said. No one ever contacted me back so I called again. This time I spoke to a very rude lady. I explained that at the time of the sale, I asked the sales person what was better about her company and why I should go with them instead of another company that didn't require any out of pocket for cameras or installation. She was just a very nice person who seemed to be very concerned about my safety, that's how they got me. She told me they had better cameras and she was very comforting. I thought she was trying to help me, I was so concerned about what was going on around my house, that was really all I could think of. The only money this lady spoke of was XXXX. She never told me anything about 800+ dollars, she did say I would get a free camera. I feel like I was baited and switched. When I called again they told me that someone would get back to me with the voice recording of the sales pitch, but no one ever has. They are billing me XXXX a month for this 800.00+ for this equipment. I called today to get the pay off balance and to see where to send the check and they told me there is no place to send the check you have to do it on line. That was it for me. I'm not going to pay them XXXX a month for the rest of my life for this XXXX equipment I'll pay them off, but I just want to know has anybody else had this experience with this company and what if anything can I do. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Very difficult and onerous process to place a credit freeze at Experian UNLIKE both XXXX and 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 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.

Company response to consumer: Closed with explanation