vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2018, I made an online payment on JCPenney 's storecard for the amount of XXXX XXXX. For some reason, the website was slow to respond and I tried to restart from the very start and try the payment one more time. After refreshing the page, I received a payment confirmation that payment went thru. A day later on XX/XX/2018, I received a note from my bank notifying me that I already have a negative balance. I called JCPenney 's Synchrony Financial the next morning informing them of the mistake and requested that they expedite the refund. They told me to fax my bank statement showing that the amount was actually debited from my account and they will consider the refund. I faxed them the statement that very morning. I followed up 2 days later and they informed me that they just started a case for my request and it will take 2-3 weeks to process the refund. I begged for them to expedite. I contacted them a day later to plead my case one more time and sent them a faxed letter, pleading for them to expedite my case one more time. Still no answer. Still no confirmation or case number was provided. I just dont understand why it will take this long to process a reimbursement, and why there are no security measures on their online payment system to prevent accidents like this.

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 2018-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
my complaint is against Hindman Sanchez now Altitude Community Law PC. They have violated many laws in dealing with me since XX/XX/XXXX. The most recent one is financial fraud. They obtained my home for their client XXXX through a sheriffs sale. The judgement was a default judgement whereas I provided the court with a Dr. note prior to trial date as I was hospitalized with XXXX. The judge was close friends with the plaintiffs attorneys and ruled against a continuance.

Nonetheless they proceeded to a sheriffs sale on XX/XX/XXXX. they received the confirmation deed on XX/XX/XXXX.  they filed an intent to cure on the foreclosure of my first mortgage public trustee sale # XX/XX/XXXX-XXXX in XXXX county as they are entitled to do. This is where the financial fraud occurred. they sold and transferred ownership of the home on XX/XX/XXXX to XXXX XXXX. Colorado foreclosure statutes requires each junior lienor to file their own intent to cure. XXXX XXXX didn't file an intent to cure and acted under XXXX XXXX cure which is illegal under Colorado law. In speaking the XXXX county office they are clueless and thought the HOA cured the default. XXXX XXXX illegally cured a property he wasn't entitled to cure. Please help??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed for Bankruptcy, Chapter XXXX in XX/XX/XXXX. I had an existing XXXX  's credit card with a XXXX  balance at the time. My bankruptcy did not include XXXX  's on the Schedule F. I thought I would receive notice that they closed my account, but they never did. I used the credit off and on over the next 5 years always paying my balance off right away. My BK was discharged in XX/XX/XXXX. The next time I tried to use my XXXX  's card it was declined. I called to see why, and they told me it was because I was in bankruptcy. I explained that I was in BK but that it is now discharged, and that XXXX 's was not even a part of it. They refused to speak to me any further. I have not tried to open another account with them. I did not realize they were reporting derogatory information to my credit. Now my husband and I are trying to qualify for a home loan and the current lender is telling me that XXXX  's is reporting that they closed my account because of bankruptcy. The lender is stating that if it wasn't for XXXX  's there would be no mention of the BK at all on my credit report and that this is tripping us up as to the home loan we want. I believe XXXX 's should remove this information from my credit as they were not even on my Schedule F. I have made several calls but all they do is refer me to an address and won't even listen to my complaint. I gave them permission to speak with my lender and the credit bureaus but XXXX  's will not acknowledge that they were not even a part of my BK. I have the copy of the Schedule F that clearly does not list XXXX 's.

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 2018-12-13 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have been a Chase customer for over 12 years, and today at a restaurant, I found out that all my credit cards are closed for no reason without any notice. I called Chase today, and the credit card team supervisor XXXX told me that it was due to Retail banking issue, and transferred me to the Retail banking department which I have a Premier checking account with. But the Retail banking person told me that my Premier checking has no issue at all and it was all the Credit Card department 's decision. I felt being kicked between different departments and reaching nowhere. This is really bad customer experience and created tons of trouble on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have requested 3 times to have my monthly MI removed form my loan due to it having originated prior to XX/XX/2013 and being at or below 78 % principal balance excluding the upfront MIP. I have received generic responses stating I do not meet the threshold to my first 2 inquiries and as of today I have received no response at all to my last inquiry, submitted on XX/XX/2018 at approximately XXXX. In all inquiries I have requested the balance needed to remove MI if they feel I have not met the threshold and that information was also never provided. It is my belief that Caliber Home Loans is failing to comply with the removal requirements by 1 ) Not verifying the eligibility directly with FHA when my request was made 2 ) In their internal calculation failing to remove the UFMIP from the ltv calculation as required in Mortgagee Letter 00-46 and 3 ) Failing to review the original amortization schedule to assist in determining the principal balance needed for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I contacted Experian with inaccurate information appearing on my report, they updated several issues but failed to update the following issues as well : In addition, There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current Employer is XXXX XXXX, my previous Employer was 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 non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/XXXX, I tried to take out a hardship from my 401K they denied it twice charging a total of {$90.00}. Instead of letting you know what missing paperwork you have to approve it, they deny it to maximize their revenue. They told me insurance is pending so it doesnt qualify if insurance doesnt pay itll just make the bill even more and the amount I requested didnt cover the complete bill anyways. I pointed out where insurance was forwarded to the bill and patient balance was {$490.00} they said that wasnt good enough. No where on their website do they describe exactly all thats needed or what exactly is appropriate information! They said they needed patients bill showing what insurance covered I sent them the bill that says what insurance was pending and the patients balance. Their requirements arent specific on whats appropriate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Earlier this month I had applied for a XXXX college loan for my son, as I do each year, and was told by the college treasury office to contact Equifax due to a 'problem ' with my credit.

Upon calling Equifax numerous times I was told by the Equifax customer rep that my SSN, name, and address do not match any file in their system. I was told to submit official identification as proof of SSN, address, name and I did so.

I have followed up repeatedly for progress on correcting this issue and each time I am told that there has been no change and there is no additional information they can share with me.

Note : I have had credit established with each of the three credit reporting bureaus for +30 years and never had any issue with fraud or errors. I have no such problem with XXXX or XXXX so I don't understand why this is happening and have no response from Equifax as to whether this can be corrected.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Greetings, I have previously contacted Diversified Consultants informing the company that I have been a victim of identity theft/fraud. Diversified Consultants are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Diversified Consultants to follow the law, they clearly feel as though the law does not apply to them. Remove the Derogatory account. Please and Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

ACCOUNTS XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX paid in full XXXX XXXX never late XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX XXXX XX/XX/2013 {$340.00} not mine XXXX XXXX XX/XX/2014 {$830.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
DiTech had setup an escrow account without my consent or knowledge. They claim that there was a gap in my insurance coverage. Apparently according to them my insurance company renewed my policy at a lower coverage then was currently being covered. At the same time I had secured insurance coverage from another company ( more for less ), which was no problem but Ditech claims that I owed them for a month or two and instead of letting me pay the gap, they started an escrow in which they deposited my timely payments and deducted the gap amount, then reported my payment late. I had auto payment set up with my bank and they assure me that all payments were sent on time and statements support that. I finally got in contact with someone last month, that explained the situation to me, as I only found out about it by checking my credit report and saw the late payment notices. I immediately paid the amount owed, even though it seems unusual to me that an insurance company would renew a policy for less. Not worth my time to argue over a {$100.00}, I just paid it and asked that they remove my late payment marks on my credit because I never made a late payment. They have refused to rectify the situation and my credit is being unfairly damaged as a result of it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND

Complaint narrative:
I went into the automated system to make my mortgage payment history on XX/XX/XXXX. I completed it and heard a confirmation number. I was driving and could not right the number down. I received a collection call the first week of XXXX. The person from Penny Mac said they needed to talk about my account and asked from my SSN. I asked why they needed to discuss my account and they said they needed to verify my SSN first. I refused, as I assumed this was a scam. 

I was called today XX/XX/XXXX. The person asked for my address. I provided it and apparently the automated system made and error ant the payment wasn't recorded. I immediately pooled up my account and verified the payment wasn't withdrawn. I paid the past due amount immediately on the phone. I asked them if they could make sure this late would not report to my credit. They refused to acknowledge the systems error. They could see I called in to the system on the XXXX. I have a perfect pay history. They also could see I call in the same time every month to make the payment, but said the could do nothing about it. They offered the address to file a written complaint, but by then the damage will be done and she reitterated they can't change the credit. They could report this to the credit as their system error. They just won't. I now will suffer a 30 day mortgage late on my credit. This is uncacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Credit card debt as well as other debt that i did not repay was sold to a 3rd party that is now attempting to collect. The credit card company as well as others reported the debt in full as owed. also the 3rd party who purchased the debt shows it as owed and in collections causing 2 credit bureau reports for the same debt. the credit card company shows debt in full tho they sold debt to lower amount. also the credit card company reported the debt to the IRS in full as income for me the debtor though the 3rd party is still trying to collect the entire debt. And i have paid the tax on the total as income. These negative credit reports are being duplicated and if IRS has charged me tax on total amount though the debt is sold creating income for original credit card company the amount of income reported is incorrect as well as the total amount of my debt as i am still liable 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 2018-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please reference your prior claim ID XXXX. Shortly after submitting that claim I received an apologetic letter from XXXX XXXX at the executive response unit of Citibank N.A. in XXXX XXXX. Please see your CC in file. He said the {$400.00} was legitimate and apologized for the delay. He said to send my XXXX ( again ) form to XXXX XXXX. I had already done that with a form for my wife who is a joint owner of the accounts. That was two weeks ago. The {$400.00} bonus payment has not been paid. Two days ago ( XX/XX/XXXX ) I received a letter from XXXX XXXX via regular mail dated XX/XX/XXXX!! I quote from that letter : " Thank you for providing your tax certification Form XXXX. During the tax validation process, we identified the following issue that resulted in the rejection of your U.S. tax certification. The federal tax classification box selected it inconsistent with the name provided on line 1 of your Form XXXX. Please complete and submit a corrected tax form. '' I have NEVER seen nor filed a Form XXXX which is for NON U.S. citizens. They may have confused me with another customer or else this is another deliberate stonewalling delay to deprive me of my {$400.00}. I have telephoned Mr XXXX ( XXXX ) repeatedly only to leave voice mail. All my calls remain unanswered. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: AES/PHEAA
State: NY

Complaint narrative:
I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A person by the name of XXXX said hed help me get a cheaper plane ticket because he had discounted prices to them. After I sent him {$270.00} for my ticket on XX/XX/18 at XXXX XXXX. He proceeded to book the flight but it did not go through due to a payment issue on his account. I notified him and he said hes try again. 3 days later I got fed up with reminding him to buy my plane ticket again. I told him to send my money back on XX/XX/18 and thats when he blocked me on all social media and my phone number too.

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