vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I did not authorize or apply for new lines of credit with either XXXX or Citibank. There should not have been hard credit card inquiries from either service.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly. 
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts? 
2 ) What is the name of the person in your company who verified these accounts? 
3 ) What documents did they use to verify them? 
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX I paid my Chase credit card bull in full. On XX/XX/XXXX an interest charge of {$52.00} was added to my XXXX balance account. I 've contacted Chase and they claim it is an interest charge on the balance due. My card was paid in full and I had a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be remove

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 2017-09-26 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. 
I called them and they keep saying they did n't but it 's clear they did because its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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 2017-09-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is in connection with data breach with Equifax.. I signed up to get notices if anything unusual happened with my credit on XXXX XXXX, 2017. I have received 3 texts from Trusted ID telling me there is some suspect activity. I tried calling the number they sent only to get a constant busy and then on hold for over 2.5 hours!
I then tried on line and was unable to get through on line either. Then, I tried to get my free credit report from Equifax only to be told it was unavailable. How am I supposed to protect my credit that they exposed if I ca n't even find out what the credit breach may be? I am beyond frustrated and worried about what may be happening to my excellent credit. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Yes, I applied for a credit card from USAA in XXXX with a credit limit of {$5000.00} given to me at that time I borrowed from that card {$3000.00} to pay off another card. After that on XXXX I was requested to show proof of who I was I did in XXXX. And then XXXX became XXXX as I was told all will rectified in 2-3 days and then it became XXXX with no resolution. Just multi answers from anyone who picked the phone.And all of this time I would be told not to Worry and that all will be fine.And all through this I was making payment and by the end of XXXX I was then told that my account was to permanently restricted and that a payment due. And at no time was I sent or in any form my statement what I owed neither what the amount due to me.And as of this I am still without any knowledge of the total amount or was is due per month for payment and when I called on XXXX/XXXX/XXXX I was told that I had NO right to receive any statement what so ever. And for payment they would tell that I had several way of payment but I asked I was told to send it by mail with statement, which I have not been given any. ( Note : I only wanted a Credit Card and nothing more )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2017, Capital One 360, an internet bank, closed my savings account without a court order or due process. They committed grand larceny. I want an investigation into why this incident occurred. They placed an electronic block on this account before they closed it. They also refused to provide bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
We had a lease with Hyundai Motor Finance ( HMF ) for a XXXX XXXX, due to mature on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received an e-mail from HMF with an offer to have the last XXXX payments waived if we sign the lease for a new Hyundai. I triple checked the fine print and I saw that we were fully qualified. The program was supposed to end on XXXX XXXX, XXXX. We signed a new lease for a XXXX XXXX on XXXX XXXX, XXXX. In XXXX XXXX I got a letter from HMF stating that we owe them the 3 payments remaining from the XXXX, for a total of {$910.00}. ( So, even if I leased a new Huyndai, they asked payments for the old one ). Since then I called HMF 6 times. In  XXXX, XXXX ( from HMF ) stated that the program ended on XXXX XXXX and that is not their fault that I did n't know and that I still owe them the money. I did n't receive any e-mail with such information, nor the dealers told me anything when I signed the new lease. On the other hand, they told me that everything will be fine. On XXXX I spoke with a person named XXXX from HMF End-lease and she stated that if the dealership will ask them for an exception, then it will be approved and everything will be fine because the whole situation is absurd. It was n't, I do n't know if the dealer called or not, but on XXXX I saw late fees on my account. I called back on XXXX and this time XXXX promised me that she will personally escalate the situation and that she will call me back in 2-3 hours with a resolution. She also stated that there is no record from the dealership about any exception. 
I am attaching the original e-mail with Pull-ahead program AND the conversation I have with the general manager from the dealership ( it seems that when I signed the lease on XXXX, they were fully aware that the program was modified and that it had an early ending, but they did n't let us know ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Globe Acceptance, Inc.
State: OK

Complaint narrative:
I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have

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 2017-09-26 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: NV

Complaint narrative:
I have hard inquiries on my credit report, that I did not authorize. Hard injuries such as XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX ( XXXX XXXX ) and XXXX cable ( XXXX XXXX, XXXX ) are all unauthorized hard inquiries, As I just recieved a copy of my reports recently I noticed these injuries on my report and put a fraud alert on all three of my reports I contacted Equifax and XXXX about these items being unauthorized I informed them it was identity theft has played a part in them being unautherized inquriies and accounts. Accounts such as XXXX XXXX XXXX XXXX and XXXX cable is identity theft and should be taking off my credit reports. Letters and letters of the Law have been sent to all three bureaus. XXXX XXXX was the only one that has resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Company repeatedly contacts me from different numbers from Texas, XXXX, Georgia, Pennsylvania, West Virginia, Virginia, Arizona. All of the day and night..7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My payments on a loan modification have been getting higher and higher. I am recently divorced the agreement was I keep all the bills and he let me keep the housr with my XXXX young daughters. The house will go to them. I am struggling to make the higher payments i submitted paperwork for refinance help to seterus inc months ago, more than once. Now seterus has sold my loan to XXXX and they are telIing me I have to start all over. I also have a second mortgage with XXXX an equity line of credit that charged me home insurance when I already had it. My payments went up and I am currently behind I pay but not the amount I now owe which has gone up to almost {$2000.00} I am stressed out of my mind. I do n't know what to do anymore. I was told the interest would n't go up anymore yet it 's gone up again.

Company response to consumer: Closed with explanation