vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. Asked for " Reinstatement of Mortgage, '' dated XX/XX/XXXX from Chase, XXXX. XXXX XXXX, XXXX, Ohio XXXX-XXXX. Total amount to reinstate the Mortgage Loan, as of XX/XX/XXXX, was {>= $1,000,000}, good through XX/XX/XXXX. Also included was a written warning indicating if the above amount could not be paid in its entirety, the amount may increase because of additional interest, fees and costs, including those related to foreclosure activities, Chase Insurance, property inspections and valuations.

2. RE : the {>= $1,000,000} : It is our, ( Borrowers ' ), contention that Chase has built in fraudulent costs PRIOR to foreclosure which include attorneys fees, improper insurance fees, ie : Wind, attorneys fees, corporate advances and other fees.

3. The above noted improper fees have been compounding over the years resulting in a fraudulent improper result/total which is NOT the actual amount owed on the Mortgage. 
4. Further, the Mortgage which was taken out in XXXX and it has remained at 6.5 percent wrongfully compounding to present date. The Borrowers diligently attempted to have the rate reduced to three percent, or less, when that was the going rate during the following years from XXXX. 
5. The Borrowers have consistently pursued " Short Sales, '' but at every turn was faced by the Lender with the Offering price for the house reasoning it was insufficient, late, or the " T, '' wasn't crossed, or the " I, '' wasn't dotted properly. 
6. Chase was giving lip service to the possibility of saving the house, but never was sincerely interested in helping the consumer, particularly as XXXX XXXX proclaimed in one of his speeches. 
7. This Borrower is not eligible for " Chase Modification with Principal Forgiveness, '' because Lenders could not create an affordable payment without changing the terms of the mortgage beyond the " modification 's program 's requirements. '' 8. If XXXX XXXX professes to want to help the consumer then why couldn't he instruct his managers to go the extra distance and try to modify the mortgage program 's requirements which would include lower interest rates, instead of returning boilerplate rejection? 
9. The Borrowers have documents and letters of support for their contentions, but do not know how to download these papers.

10. The Borrower, Husband, is a XXXX XXXX, XXXX  years of age with serious XXXX problems for which he just came out of the hospital. 
11. The Borrower, Wife, is late XXXX and is a three times XXXX XXXX XXXX. 
12. There was a one year hiatus when the Bank after a five year period improperly went back for a third bite of the foreclosure apple and was so rewarded which should result in an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
To whom it may concern : I am writing this letter today about my experience with Synchrony Credit/ Gap Card . I called them over 30 days ago to explain the situation I was in that affected my credit report in 2017. I never heard back from anyone at Gap and they said I would be notified via mail which I never was. I called them today to talk to someone regarding the late account again, and notified them I had sent a letter explaining the problem and how I was dealing with a family matter and I assumed my account was on autopay. It is imperative that my credit reflects the good business relationship I have maintained with them since then. I am in the process of refinancing my home and I am unable to refinance at the moment due to this matter. I hope this issue can be resolved and I can continue a good relationship with them. 

Thank you. 
Sincerely 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 2020-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: PA

Complaint narrative:
While reviewing contract, company requested a co-signer for a customer who had a recent repo in 2016 with XXXX XXXX and co-signer was unaware. According to the PA laws, Sales person used Unfair Sales practices to gain Sale. Made attempt to speak with Recovery department customer service had no knowledge base of findings. In addition, requesting review of application : 1. Applicant had a recent repo in 2016 and Co-applicant was unaware.

2. While reviewing application, Applicant had a longer job history and more income than co-applicant. Why was co-signer requested?

3. Lease is considered charged off on co-applicants account and applicant is currently serving time in prison. Requesting a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank approved me for multiple XXXX XXXX credit cards. I followed all of Citibank 's requirements for receiving bonus miles associated with opening the credit cards. XXXX XXXX bonus miles were deposited into my frequent flier account with no problems. Nothing out of the ordinary. 

Today I receive an email that XXXX XXXX is shutting down my frequent flier account for " exploitative practices ''. Literally the only practice I did was meet bonus requirements on credit cards that Citibank APPROVED me for. 

I don't think it is right that Citibank can offer bonuses and perks to third parties, via their credit cards, only to be shut down by the company for which the bonus was intended. 

Again Citibank APPROVED me for multiple credit cards, with bonus offers for meeting certain requirements. Requirements were met, bonus miles deposited into third party frequent flier account. Frequent flier account terminated today for " exploitative practices '', when all I did was open credit cards that Citibank APPROVED me for. 

Is Citibank offering bonuses to third parties on credit cards, knowing that the consumer will have their relationship with the third party terminated for " exploitative practices ''? Did Citibank KNOWINGLY APPROVE me for credit cards with bonuses that they knew I ultimately would not receive? Why approve me for multiple cards if the third party company does not want me to have multiple cards? What is going on here? 

BAIT AND SWITCH!!!!

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 2020-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX/XXXX XXXX XX/XX/XXXX SANTANDER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America denied me for an application for a business credit card. I have a XXXX credit score and we have been in business since 2018. 

They claim we do not have enough information reporting about our business, and I am the personal garauntor of the application, how can they not find any information about me but XXXX just approved me for a business credit card for over $ XXXX? 

Bank Of America should be offering its services fairly to all, but I can't get approved for a simple credit card? 

The reason they denied my application is not a valid reason not to give someone ANY credit whatsoever.

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 2020-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I work for a gov't agency which was ordered by our local superior court ( on XXXX ) to investigate why a guardianship ordered by the court is not operating as needed. 
The reason is because Merrill Lynch has not honored the guardianship documents and therefore the guardian has not been able to access funds which are necessary to pay for the ward 's care. The elderly ward is now facing eviction from her care facility due to non-payment, because Merrill Lynch has continued to disregard the court 's guardianship documents. 

In my effort to assist the guardian, over the last 3 weeks I have spent approximately 10 hours on phone calls and the guardian has spent add'l and excessive time calling, faxing, mailing... all to no avail. No one at Merrill Lynch has been able to assist and every call requires recreating the scenario with a new service rep. The lack of customer service is unconscionable.

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 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested a copy of my credit report and found a collection account for {$100.00} for XXXX when I called the company they have no one listed with my social security number having a bill. I requested for Transunion to remove this collection account from my report since I had no knowledge of it and XXXX could not produce anything in my name or social. I disputed this item with Transunion Theough XXXX XXXX and received a generic email stating i change was made to my report because the account was reporting accurately. Transunion has failed to provide any proof this collections account belongs to me and to bear proof of my written signature showing proof of an account or service. I am requesting the collection account be removed from my report if they can not provide such proof.

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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
Company never notified me of debt nor have they sent any verification or validation of debt It just appeared on my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: CO

Complaint narrative:
A few weeks ago ( XX/XX/XXXX ) I received a letter in the mail from XXXX  XXXX regarding an accident in XX/XX/XXXX. The letter did not have the correct mailing address for me. I contacted XXXX  XXXX on XX/XX/XXXX and they gave me information stating that the item has been passed on to Wilbur and Associates for payment. While talking to the agent with XXXX  XXXX, I updated my contact information so they had the best way to reach me at on file. The letter from XXXX  XXXX stated that the amount owed was {$630.00} but when I contacted the Wilbur and Associates, the amount due was over {$1200.00}. When speaking with the agent, I let them know that the information given to them regarding my address and phone number were not correct and needed to update the information which was done today. After calling back later today to set up a plan, the agent with Wilbur and Associates would not provide me with the documentation about the debt but needed to have a payment of {$600.00} today. I was not contacted regarding this issue and my mailing address on file is correct. When dealing with the agent, I was harassed and denied information needed in order to pay the debt. Also, the agent told me that she would suspend my license and revoke my car since I could not pay the full balance today. These treats should not be used when a customer is trying to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX VISA ( XXXX ONLINE PURCHASE  ) is trying to steal money from my BBVA Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH XXXX ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX XXXX ( CHESTNUT ) WERE DAMAGED, AND ( 2 ) XXXX XXXX XXXX XXXX XXXX ( NOT WANTED, WRONG SIZE ) Both XXXX AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX XXXX XXXXs purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). XXXX HAS SLREADY DEBITED MY BBVA CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and XXXX to no avail. XXXX IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). XXXX, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT BBVA CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, XXXX ORDER : XXXX. 

BBVA has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
hunter warfield, XXXX XXXX  XXXX XXXX, XXXX florida XXXX is the company this complaint is about. they are attempting to collect a debt of {$1300.00} that i simply do not owe. it's a bogus made up debt by XXXX  XXXX in XXXX XXXX. i lived at XXXX XXXX in XXXX XXXX. for 12 months. from XX/XX/XXXX to XX/XX/XXXX. i signed a 12 month lease, stayed there the full 12 months, and paid the rent on time every month. when i left the apartment it was in the exact same condition as when i moved in. i didn't even ask for my security deposit back when i left the apartment. if anything they owe ME. now, i am a XXXX, XXXX old man seeking a low income place to live here in XXXX. i will soon become homeless. every apartment application i fill out is denied because of this bogus debt. twice i contacted hunter warfield to dispute this bogus debt so i don't end up homeless. and twice the person i spoke to became very, very rude and obnoxious with me on the phone. i got rude back cause that is just my nature when someone gets rude with me as they did. i attempted to explain my urgent situation to them, and never got a chance to finish before they became very rude with me. i scratch and claw to get by month to month on a small disability check, so it'd be impossible for me to pay this if it was a legitimate debt, which it is not. besides their phone reps being very rude, hunter warfield is a company that puts pennies ( that's what {$1300.00} is to them ), ahead of the well being of a XXXX, XXXX, XXXX old man. greed above compassion, on top of being very rude. and XXXX XXXX in XXXX XXXX. are total liars, and also greedy.

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 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I purchased this house in XX/XX/XXXX. After this purchase my mortgage was sold a couple times. I fell behind in XX/XX/XXXX right after having a baby. XXXX to be exact. I received threatening calls and threats of foreclosure. I was told the only way to keep my home was to do a mortgage modification. And additionally pay extra each month to catch the XXXX I was behind. I did that. I paid the money back monthly. I also did the modification which proved to be a huge mistake. I only did it because I was made to feel like I had no other options. This agreement has me paying more in interest then the actual loan amount at payoff. I have reached out to Select Portfolio Servicing for years to fix this. How can you owe over what the loan amount is for payoff in interest. They refused to give me a amortization. My principal balance is XXXX The interest owed is XXXX This is a home I have lived in for 14 years with the purchase price of XXXX This company is predatory. This company takes advantage of families struggling. I was harassed until I agreed to a mortgage modification that I was not given the accurate details on. I am reaching out for assistance on this issue. Select portfolio has offered several more loan modifications that I have refused. I would like to see a investigation into how this company uses threats and tactics to trap homeowners under a sickening amount of interest and penaltys. I do have documentation to back up everything I have written.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX/XXXXXXXX XXXX/XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I went to a clinic when I was XXXX to have a XXXX. My dad went with me and when he asked the receptionist what it cost, he was told {$20.00}, which he paid. A few months later my step mom, who was not there at the time, starting getting letters saying she owed {$140.00} for this XXXX  ; she was never there and never signed, so she responded to them repeatedly and then they started sending me letters saying I owed it. At the time I was still XXXX and told them that they could not place this debt on me, and that I was with my dad when he was told it was only {$30.00}. And all he signed was a receipt. These people will not stop harassing me and telling me I have to pay or they will put a judgement against me ; I am still in XXXX XXXX. I just turned XXXX One month after this XXXX. They keep sending me threating letters and I keep disputing it and they leave me alone for a few months and then they start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
On XX/XX/XXXX I had a company named MIDLAND CREDIT MANAGEMENT posted a NEW collection on my credit report. BUT it wasn't new it was a year and a half old. I believe this is agents the law! It's my understanding that once it goes into collections the date can't be changed! I have submitted a claim through my XXXX XXXX app. If you could help that would be great!

Company response to consumer: Closed with explanation