vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received my online statement due on  XXXX . My statement separates my purchases because I have a promotional offer. On my  XXXX  statement I had made purchase that were open to regular interest rates and  one sp ecial promo that is under contract for a special interest rate throu gh 2020. I  made a large payment on  XXXX  to pay this statement.     I received my next statement due on  XXXX  and it revealed that they had used my previous payment to pay off a new transfer made on  XXXX , which is after my statement close. When I contacted them regarding this they told me that 0 % aprs are paid first then higher apr. I do not recall this ever being the case but I said fine but how can you pay off something that has not been on my statement yet. I specifically planned my payment to basically pay off my purchases since I did a new transfer for the  XXXX  statement. It seems they did this since I was avoiding higher interest rates and they wanted me to owe more in interest rates. I really need someone to review this. I have copies of all my communications with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily  XXXX  as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

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 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo  refuses to close my escrow account on my mortgage. I bought a home in DC in   XXXX   XXXX    Originally, I did not want a escrow account but was told by my original lender that taking out the escrow account would be complicated during the middle of the closing process for our home. After we closed on our home, our mortgage was soon transferred to  Wells Fargo.      I asked  Wells Fargo  to close my escrow account for both taxes and insurance. They first told me they could not because  Wells Fargo  has a policy that only escrow accounts at least  1 year old  can be closed out. I asked for a copy of the signed agreement that requires me to wait 1 year before closing the escrow account. They continue to fail to provide me a signed agreement showing me I am legally bound to wait 1 year.     They closed the tax portion of my escrow account after I contacted them a few more times. I asked them to close the insurance portion of my escrow account. They then again cited their  one  year requirement and refused to close the insurance portion of my escrow account. I asked again for a copy of a signed agreement. They again could not provide a copy.

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 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My hisband deposited our monthly retirement checks from   XXXX    XXXX   XXXX . The two checks came to about {$3000.00}. We had requested the automatic deposit, but  XXXX  said they would have to pay us this month with a paper check. My husband used the ATM, and they put a hold on the {$1300.00} check. They put a  1  0-day hold  on the other check for about {$1600.00}. I called customer service and explained the origin of the check. I have  two c hecks the are going to return and charge me about {$60.00} in NSF charges, not including what the merchant will charge. I spoke to  3 di fferent levels of management  ( or  so they said  ). I t old them that I wanted to speak to someone who the wherewithal to make an accommodation. I was told I could speak to a decision making level by making an appointment. It would take  2 we eks before the would call me. I do n't know what I expect you to do, but I am irate. We deposit an additional {$6000.00} every month in the account. I would like others to know about their egregious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America never sent a lien release on my house since I paid off my mortgage to them on  XXXX   XXXX ,  2016 . My mortgage loan number was  XXXX . I called their number at  XXXX . I spoke with Bank of America representative  XXXX . She gave me a reference number of my complaint as  XXXX . She told me th at the county did  not record the lien release which in fact is not true. She told me there was nothing Bank of America could do. I went to  XXXX   County and obtained copies of the DEED OF TRUST. The county never received the lien release from Bank of America. By law, Bank of America should have released the lien. See attached document for pro of of payoff and their statement about the lien release documents.   I have currently applied for an equity loan with my credit union. They can not close the loan to me because Bank of America never filed the lien release. It is unlawful of Bank of America to be preventing me from obtaining my equity loan and further threatening the delay of my existing interest rate.

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My mother-in-law passed away in  XXXX  in California. My brother-in-law, also in California, was my mother-in-law 's executor. My brother-in-law passed away the following year. For whatever reason, my brother-in-law 's surviving wife forwarded my mother-in-law 's mail to our address in Maryland after my brother-in-law passed. We got nothing but junk mail in my mother-in-law 's name, and I registered her on the postal deceased list. This slowed the junk mail to a trickle.     Yesterday,  XX/XX/XXXX , we received a BP Credit Card pre-approval in my mother-in-law 's name to our address. My mother-in-law never lived with us and she did not even visit us at this address before she died. The mail says to either return the card to '' BP  XXXX  &  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  '' or go online at mybpcreditcard.com/accept. The  mailer  also states that by accepting their offer, I agree that I am providing this information to Synchrony  Bank ( SYNCB )  and to BP  XXXX   XXXX   XXXX   XXXX  and its affiliates.     I do n't want to contact the company in fear that they would then have our phone number and associate her name with our identity.     What can we do to make this stop?

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 2017-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.

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 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in  XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was  XXXX  overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's  collection agent,   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) and in  XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in  XXXX   XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted  XXXX  to find out what happened, I was informed that my account had been sold to   XXXX     XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact  XXXX   XXXX  to resolve this matter and resume my payments but they refused to honor the settlement agreement. In  XXXX , I was contacted by yet another debt collection company,  XXXX   XXXX   XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX 2017 - contacted Kohls/CapOne @ listed #  XXXX  - advised representative that this was not an application I processed. Explained history of my reported identity theft in past and of my current fraud alert notification set on all  XXXX  credit bureaus. Representative confirmed they have no info with my SS # or Name/DOB on file for applications recently processed. They advised me to contact this service for removal of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.

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 2017-05-01 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: AR

Complaint narrative:
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. O n   XXXX   XXXX  2017  the d ispute was initiated an d on   XXXX   XXXX  2017  th e investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

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 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has been calling me for approximately the past  XXXX  months at least   XXXX   times a day starting at  XXXX  to about  XXXX .   I have tried to work out many options to repay my loan. They have told me I make too much and that I owe { XXXX } a month and they can not lower it. Then I spoke with someone else and they told me if I want lower payments I need to submit my bank statements. Then I spoke with someone else at the end of  XXXX  who said that he can get me to repay { XXXX } every  XXXX  weeks for the   XXXX   XXXX   months to catch up on the money I owe and then the payments would drop to {  XXXX  } every  XXXX  weeks. Well,   XXXX   days later navient is calling me again and telling me there is no such repayment and I owe { XXXX } a month. They told me they will take { XXXX } every  XXXX  weeks but it wo n't get me out of collections. I said that is all I can afford. I have other loans too which they want { XXXX } a  XXXX . I also have a child and a baby on the way. They told me since the baby is n't born they ca n't take into account that I have to pay for diapers formula and wipes and that the baby needs things before it 's born. They are unfairly harrassing when I am agreeing to pay { XXXX } every  XXXX  weeks but they are telling me I 'll still be in collections. Please help they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I have not had a contract with  XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation