vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
on XX/XX/XXXX, called to cancel our Chase XXXX XXXX credit card, phone # on the card is XXXX XXXX XXXX was on hold and transferred at least 3 times in an effort to cancel the cc. was asked various financial questions that have nothing to do with cancelling the acct. 

reps said they could not cancel the acct because it was under review, not sure what " under review '' means and rep could not tell me. the cc has never been delinquent, always paid on line. I believe this was an attempt to keep the acct active in order to charge an annual fee that is due on XX/XX/XXXX on hold/talking to various reps for approx 50 minutes. Last rep disconnected the call. 

I gave up, called Chase headquarters at XXXX was transferred to credit card services, cancelled card within 2 minutes. 

outrageous attempt to delay cancelling of the cc in order to charge the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account. 
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store. 
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.

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 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.

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 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have 2 problems with Caliber Home Loans 1. I sold my condo and bought a house in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Caliber telling me I have not had home owners insurance since XX/XX/XXXX. They said they were unaware, they did not know. I called my insurance company and they told me my contract with them was cancelled in XX/XX/XXXX, because I have a chimney coming out of my garage that is unattached. They told me the garage would not be covered but the house was fine. I was unaware that the whole coverage was cancelled. I called XXXX XXXX and got a policy right away. In the meantime Caliber told me they are going to back date a high risk policy from XX/XX/XXXX to XX/XX/XXXX. They sent me a bill for {$810.00} I need to know if this is legal. I would never of gone without insurance if I had know. I thought the mortgage company is suppose to monitor this and let the home owner know. I do not know why after the fact I need to pay {$810.00}. 
2.I believe they have red flagged me are now harassing me. They have told me for the last 2 months my mortgage is late. I know it 's not. I have never paid my bills late. I pride myself on this. I paid the first late fee but when it happened. I called and was told they received it on the XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX. I called and they researched and said they received my check on the XX/XX/XXXX but did not post until the XX/XX/XXXX. They said it would be corrected. I received harassing letter and was told to pay the late fee and they will apply it to my principal. I do not have all this extra money for their mistakes. Why are they treating me this way?. They are very incompetent. I would like to be reimbursed for the first late fee because I promise you they are holding the checks and posting them late. Like they admitted to when I called on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CORELOGIC INC
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: AR

Complaint narrative:
These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The following are a list of errors being asserted and requests for additional information covered by Regulation X, 12 C.F.R. : 1. Failure to provide an accurate payoff statement in violation of 1026.36 ( c ) ( 3 ). I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. ( Exhibit A ) to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. A Debt Collector in the state of Texas must validate the debt and 5 days prior to a foreclosure they are not able to provide anything. 

2. To date Select Portfolio Servicing ( SPS ) has not provided the historical records from the two previous loan servicers, XXXX and XXXX XXXX XXXX, to support alleged interest owed by me. Again, a current payoff statement has not been provided and a foreclosure is scheduled for XX/XX/XXXX. 

3. The principal amount owed on my note increased by {$7600.00} according to records provided by SPS to the CFPB in previous complaints ( Exhibit B ). SPS has not provided an explanation nor any documentation as to why the principal balance of the note increased by {$7600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been charged monthly for debt protection since 2008 by XXXX XXXX XXXX XXXX, XXXX, then Citibank when the XXXX XXXX card was transferred from XXXX to XXXX. Have contacted Citibank 3 times requesting proof of purchase of this program. They have failed to provide any proof, but refuse to offer relief. I have payed over {$1500.00} to debt protection that I am challenging and requesting proof of opt in in the form of a signature. They refuse to offer any proof and say that since the charges were monthly and never challenged they will not refund any of the amount paid.

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 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any response.

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 2017-11-29 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: Credit Plus Inc
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I contacted BofA call center on XX/XX/XXXX at XXXX XXXX MST. I spoke with XXXX first, XXXX second, and XXXX third. I explained I did not understand why a $ XXXX monthly maintenance fee was incurred from XX/XX/XXXX through XX/XX/XXXX because I have my employer directly deposit {$150.00} semi-monthly ( totaling {$300.00} per month ) which should satisfy the requirement of having at least one qualified direct deposit of {$250.00} ; I have two direct deposits that total more than $ XXXX monthly. XXXX stated the qualifying direct deposit means one direct deposit into the account has to be {$250.00} versus my understanding of the total direct deposit received during statement cycle and per company initiating the deposit has to be {$250.00}. I stated I wanted to keep my account and could update my direct deposit to have {$250.00} per check versus {$300.00} per month but would like my fees back because there was no fine print or indication online stating a qualifying direct deposit is per direct deposit ; otherwise I would not have reduced my direct deposit amount in XX/XX/XXXX from {$650.00} per check to {$150.00} per check. She refunded the XX/XX/XXXX fee. Upon asking why more could not be done considering my 18 year relationship, my willingness to update my direct deposit amounts immediately, and the wording of " one qualifying direct deposit of at least {$250.00} '' being misleading and deceptive, they stated only the one fee is refunded because the account did not met the requirement and the same resolution would be the same regardless of who I spoke with. The employees of BofA did not understand BofA was indeed receiving {$250.00} in direct deposits into my account by way of semi-monthly credits. Minus me not understanding what was meant by " at least one qualifying direct deposit of {$250.00} '' and no fine print or explanation to understand BofA intended meaning, I was directly depositing {$300.00} per month from the same source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: MA

Complaint narrative:
I previously had my federal loans with Great Lakes and was on a income-based repayment plan and XXXX  repayment forgiveness plan. In XXXX I was switched to forbarence without my knowledge and understanding and was not switched back until XXXX missing out on 3 years of repayments which I could have made and contributing to the total 10 years required before my federal loans are forgiven. Great Lakes refused to help or remedy their error. My loans are now with Fed XXXX XXXX who cant or wont help me. The 3 years I missed out are now going to be when I am done with training which will be substantially higher payments than I would have otherwise paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have been sent a letter in regard to a debt collection for a debt that I did not incur. The original debtor has not validated the debt and was over a time period I was not employed by the original debtor. The dates were provided and proof of other employment during this time. The dues were billed when I was employed by another organization.

Company response to consumer: Closed with explanation