vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The problem is : I am trying to get Chase mortgage company to update their system. I filed for bankruptcy in 2011 and Chase never re affirm the loan. I reopen the bankruptcy case this year for the sole purpose of reaffirming the loan. After months of calling, writing and filing court extensions the reaffirmation was finally done. I want to sale my home, but every time I call to get a payoff they inform me that it will tak e 7 to  10 days because I am still under bankruptcy. I explained to them that my bankruptcy case is closed and that I have a copy from the count showing this. They stated that it will take up to 4 months to update their system. I have inform them that I do n't have 4 months because the underwriter will be calling them next week to get my payoff. I need my bankruptcy case closed in their system as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I consolidated all my student loans held with various lenders through   XXXX    XXXX   XXXX   XXXX   (   XXXX   ) .  XXXX  of these loans were originated with  Citi Student l oan in the amounts or {$2800.00} and {$4500.00}. On the date of refinancing, the Citi student loans had balances of {$2000.00}.  XXXX  and {$3300.00}.    XXXX  disbursed payments in full to Citi Bank on  XXXX   XXXX ,  2017. I  received copies of the cancelled checks showing that Citi Bank deposited the check for {$2000.00} on  XXXX   XXXX ,    2017 and  the check for {$3300.00} on  XXXX   XXXX ,  2017.    At the beginning of  XXXX , I started receiving letters and e-mails from  Citi Student loan say that  my loan with a balance of {$3300.00} had been transferred to  XXXX   XXXX  for loan servicing. I tried contacting  Citi Student loa n, but that contact no longer worked since Citi ceased servicing of all student loans. I contacted  XXXX  to inform them that both loans were paid in full. I also contacted  XXXX , who confirmed that the payments were indeed made to Citi Bank.   I received copies of the cancelled checks from  XXXX  on  XXXX   XXXX  and promptly e-mailed the cancelled checks to  XXXX  customer service at  XXXX  XXXX  XXXX , as instructed by a  XXXX  supervisor. However, I continue to receive harassing phone calls about a delinquent loan from  XXXX . I received a letter from  Citi Student lo an on  XXXX   XXXX  saying that my loans were paid in full, and I immediately forwarded that letter to  XXXX  on the same day.   Today I received a letter from  XXXX  saying that they checked with  Citi and  the loan balance of {$3300.00} was not paid. I immediately called  XXXX , who initially claimed that they did not receive my e-mail with copies of the cancelled checks showing full payment to Citi.   I spoke for over a half over from  XXXX  central to  XXXX  central with  XXXX  customer representative  XXXX  ID  XXXX   XXXX . After repeated request,  XXXX  team lead  XXXX   ( I D not given ) confirmed receiving both the  XXXX   XXXX  email with the cancelled checks and the  XXXX   XXXX  email with Citis letter confirming payment. Yet,  XXXX  refuses to close my account.

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 2017-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have  XXXX  Bank of America credit cards and had some problems in the past that warranted the increase in interest rate. But since then, about three years now, my status has changed and not only do I pay on time, I have not missed a payment and in most cases have exceeded the minimum payment. After a long period of time decided to call the Bank of America to inquire if the interest rate can be reduced, I was told that on my account there a note stating that the interest rate can not be reduced.   As I stated that my situation has changed from the past problems and my payment activities for the past three years proves it, why ca n't my interest rate can not be adjusted??   I have another credit card that on their own about a year ago did reduce my interest rate without my having to ask them. If they did that, why ca n't Bank of America do the same? Why do keep punishing me for thing that happened in the past? Do they not think that circumstances change over time?   Please look into this complaint and advice me how I can resolve it.   Thank you for your assistance.

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 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our loan with  XXXX  was transferred to NationStar in  XXXX  of  XXXX .     My husband and I filed Chapter  XXXX  in  XXXX  of  XXXX  and from that point forward we were no longer able to make online payments and no longer received any communication or monthly statements even though the mortgage is not included in the  XXXX   XXXX .     My husband and I are in the final steps of a REFI and were contacted by the Credit Bureau for a conference call with NationStar on Wednesday  XXXX   XXXX ,  XXXX . The call took place on Thursday,  XXXX   XXXX   XXXX , where we were informed that we were a payment late for the last 3 years starting in  XXXX  of  XXXX .     I called NationStar the next day, Friday,  XXXX   XXXX ,  XXXX , and spoke to customer service regarding my Payment History and they told me that I didnt show any late payments, but there was a payment in suspense and I just needed to pay {$890.00} to get it out of suspense and my account would be up to date. My daughter was sick at school and I needed to get off the line so I just paid it so I could get my daughter, but I really didnt understand why there was a partial payment in suspense and why I had to pay almost {$900.00}.     The next day, I pulled up my Payment History and I saw that the  XXXX   XXXX  payment was not applied as a payment. This payment was put in suspense causing any payment thereafter to b e 1 p ayment behind to date. I called on Saturday,  XXXX   XXXX ,  XXXX , and customer service said I had to call back on Monday when the bankruptcy department was open. I called first thing Monday morning,  XXXX   XXXX ,  XXXX  and spoke to  XXXX   XXXX  and repeated what I had found. The  XXXX   XXXX  payment was not applied as a payment and showed next payment due  XX/XX/XXXX  instead of  XX/XX/XXXX . Once this is corrected, I will not only be current as I have always been, but a payment ahead because of the money that was held in suspense and the additional {$890.00} I paid to make up a full monthly mortgage payment. The customer service rep,  XXXX , put in a request to the research department and I told her that this needs to be dealt with today. I am at the end of a REFI and this is the only thing holding it up. She said she can only place a request and state it as a priority.     I have called every day since and my request has not been touched and I have even spoke with a supervisor named,  XXXX  and he said that they can not contact the Research Department via phone or any other way. I find this extremely odd for a huge company. NationStar is the one at fault for this error and needs to fix it in an expedited manner! I have been patient long enough and do not want to lose this REFI!!! This error should have been caught and fixed when the conference call took place with the Credit Bureau on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Creditors Bureau Associates   XXXX   XXXX   XXXX   XXXX   notified me approximately  one ye ar ago that I have a debt related to   XXXX   XXXX  . They stated that I could request evidence that the debt was mine if I did n't believe I owed the debt. I submitted the paper requesting such evidence but never received anything from  CBA prov ing that I owed the debt. I received two more dunning letters the latest dated  XXXX / XXXX / 2017 . I wrote a letter to the  CBA  on  XXXX   XXXX ,  2017 , asking again for evidence that the debt is mine but to date, I have not received anything in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on  XXXX   XXXX   2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on  XX/XX/2017   , Loss Prevention placed a block on my account restricting my access to online banking and left me a message.     I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank,  XXXX , and the LP Representative,  XXXX   XXXX  advised she would get back to me after speaking to  XXXX .     On  XX/XX/2017   ,  XXXX   XXXX  stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00}  to Ally Ban k for funds owed on a Jointed Money Market Account ending in  XXXX  that was closed and charged off prior to this matter.     For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as  of  XX/XX/XXXX  ( today  ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing  Ally Ban k to transfer or withdraw funds from my interest checking account ending in  XXXX  to cover the debt owed on the Joint Money Market Account ending in  XXXX  which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize  Ally Ba nk to use funds from my checking account to pay this debt

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 2017-05-25 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: GA

Complaint narrative:
I have disputed the tax lien on my file 3 times asking for verification and validation. the  1st  dispute Equifax told me to contact the courthouse for verification. I contacted the court house and they sent me a latter stating that they do n't report to the credit bureau, after sending the letter back to Equifax and   XXXX   showing the court house response and redisputing the lien their next response was for me to contact the IRS, which responded the information is inaccurate and they do n't report to the credit bureau as well. I redisputed it again which now Equifax is saying they recieved the information from  XXXX   XXXX . I explained to them that I feel as though i 'm getting the run around and how they are reporting unverifiable information and has not sent me any type of verification which i have been asking for since the first dispute.  XXXX   XXXX  never responded to my last dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
X/XX/2017   A  m trying t o report a charge dated  XXXX  for  XXXX  from  XXXX  in California on my  Chase Southwest c redit card.     In trying to reac h Chase ( Southwest ), I ha ve gone through their phone tree twice and find no path to report an unauthorized charge on my card.     Have also looked at Chase.com and can not find a path to report a bad charge.     Noticed online, I am not the only person with a false charge from  XXXX  but my complaint is about Chase 's lack of easy route for me to report the erroneous charge. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I got an  American Express - Bl ue for Business Card, ( it was Interest free for the Ist year )  XX/XX/XXXX , The first payment was not due til  XX/XX/XXXX . I went into hospital w/   XXXX   XXXX   XXXX   XXXX  , I called when I got out and told them I would pay, Obama law says I have 21 days to pay. I did then later pay. {$36.00}. with in limit. then later they stared charging me interest and it got worse. I did not get statements after  XX/XX/XXXX . Then I g ot one statement and they were charging me 75 % interest out of {$100.00}.  Almost everything was going for interest and nothing to the principal. After  XX/XX/XXXX  I made payments total a bout 1000.00 dolla rs and almost everything went to the interest.   I did not get a couple of statements. I called the up at end of  XX/XX/XXXX . I told them I am not in penalty. never. I always paid on time or called. Some one it sealing there money or scraping the  pot. ( so  to speak, Because all that money I paid has gone to interest and not the principal. I did spend a little on the card but I Paid over {$100.00} every time or more.   They never sent me statements I have few, but they are lying and fudging numbers.   I never got anymore statements. I paid twice this last month, {$100.00}. I paid card to get it out of hock. Then they only credited me Like {$72.00} -- This is not rig ht,    XXXX   XXXX   XXXX   XXXX   I have bank statements to prove payments.  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
ACCT #   XXXX     XXXX   XXXX   First of all this account is not paid, I did not find an option regarding my problem on this consumer protection, First of all My name is   XXXX   XXXX   I went to the ER at   XXXX   XXXX   on  XX/XX/XXXX  I handed them my   XXXX   card and obviously they did n't bill to   XXXX   like they should have, I called  XXXX  to the billing department they told me that my bill was sent to collections after I had already sent by fax and email on  XX/XX/XXXX  at   XXXX   XXXX  . a letter stating that I had  XXXX  at that time and that I keep receiving bills even with this email I never got a response from them at all by email or at my residence regarding my dispute I was just being ignored, so then they sent my bill to   XXXX   XXXX   XXXX   original creditor, when I received a collection letter from them, I also sent them a proof of my   XXXX   card and waited for their response, after a couple of more months I received a collection letter from a current creditor PENDRICK CAPITAL PARTNERS II   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX  IL   XXXX      XXXX   XXXX     XXXX   I also sent them a notice on  XX/XX/XXXX  at   XXXX   XXXX  . to stop harassing me and to bill   XXXX   since I had  XXXX  at the time of service and I am still on collections.
This is a HIPPA violation I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party, and I have been trying to resolve this matter from point A (   XXXX   XXXX   XXXX   BILLING DEPARTMENT ) To POINT B AND C -- - with all this collectors.
Please help   XXXX   XXXX   DATE OF SERVICE  XX/XX/XXXX  CLIENT ACCOUNT # that Pendrick Capital Partners II Has on my account is  XXXX  Identification No :  XXXX  Amount Owed {$1900.00} Settlement Amount {$1200.00} My   XXXX   Member Id number is :   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   PLAN ISSUER ID :  XXXX  I also contacted   XXXX   XXXX   XXXX  , and I got advised to contact your department and also to contact the federal Consumer Financial Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 've asked them to fix this, they say they did and the complaint was closed. Please see attached., XXXX We have reviewed your complaint along with the information you previously provided regarding this issue. You are not blocked from initiating disputes online. There are investigations pending, therefore you are not able to open additional disputes online. According to our records, you have a pending investigation which will be completed on/or before X/XX/17. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results, along with a copy of your credit file at the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report.

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 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, eve n thouygh they claim to have no information about me.

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