vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Re : American Airlines Credit Card Acct # XXXX XXXX XXXX XXXX I contacted this company regarding this account as I have not received a statement. 
The person who did not give a name or employee number said the account was closed in XXXX  2018. I have no statement to advise me what if anything, I owe. 
I have no statements for 2018 at all. Please help me get to the bottom of this situation. 
Also any negative information reported to the credit bureau should be deleted. 

XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to apply for credit with XXXX on XX/XX/2018 - I was declined by the company via an emailed adverse action letter/notice and the reason given was NO CREDIT REPORT FOUND - I was instructed to contact Experian since their soft pull return such - I contacted Experian numerous times on XX/XX/2018 and kept getting wrapped up in the automated phone system - after reaching a representative at XXXX the woman instructed me there was an extended fraud alert on my credit file and she would have to generate some security questions in order to remove the alert - upon waiting on the woman to come back to the call after being placed on an extended hold time - she asked me one security question and then the cal disconnected - I was on the phone for 23 minutes - I called back and reach another representative named XXXX that informed me he couldnt generate the security questions so I asked for him supervisor whom I was told was XXXX XXXX the supervisor instructed me he couldnt pull the security questions either and now I had to submit some documents to resolve the issue which would now be time consuming - there should be no reason that one agent is able to pull-up security questions and another can not forcing the consumer to go through more inconvenient steps - it should be further noted I asked for the extended fraud alert to be removed almost over a year ago from todays date when I had a similar issue regarding potential creditors not having access to my credit report because of the alert status. Experian continues to inconvenience me where Im having to make multiple calls into the same company to still have the same issue and have no resolve. Now speaking to XXXX on XXXX XXXX and still not attempting to help me. XXXX then transferred me into a voicemail box for a supervisor named XXXX then call was dropped. 

Each time called today was : XXXX - 4 minute call XXXX - 23 minute call XXXX - 56 minute call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
I was issued a pre-paid card from " XXXX XXXX XXXX '' when I applied for a credit line for a new set of tires. I received the card, but it expired before I was able to use it, I am unable to reach anyone that could issue me a new card. The company that issued the card was " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX, Complaint ID : XXXX, among other things, for national origin discrimination. Since then, Chase Bank has retaliated against me by denying me credit ( a credit card on XX/XX/XXXX ) even though I have an excellent credit history. They also retaliated against XXXX XXXX XXXX by requesting the same information from him over and over ( a photocopy of his social security number which he promptly faxed over to them ) for his credit card  application. Mind you, other than harassment and retaliation they have no reason to ask for said information. Furthermore, they have his information readily available as he is a Chase customer for over 15 years. 
Not only they denied me credit on XX/XX/XXXX but on XX/XX/XXXX they went ahead and closed one of my other chase credit card account. 
I am alleging that Chase Bank is retaliating against me based upon my national origin complaint filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I been harsed that the company has contacted my employer and said that I have a bad debit the company name is c b e group address XXXX XXXX XXXX XXXX Iowa zip XXXX account number that I have no knowledge of is XXXX this debit does not belong to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering. 

XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have asked Synchrony Bank for your JCPENNEY to stop sending emails to my email address of XXXX for over a year and they refuse to stop sending this to me. This account belongs to someone that does not live in my home and I have no idea how they got my email address. This is an invasion of my privacy and her privacy as well. I know this lady from my son dating her daughter and she has no idea how to use a computer let alone my email address. I have sent them emails numerous times and I called them last month and got into an argument with them about my email address and her personal information being sent to me. I am tired of this happening and I wish they would stop it. If they don't stop I will seek legal action against them for the invasion of my privacy as well as hers. This person does not even live in the same house as me and they just need to do something now and not later. If you need a copy of the email I am receiving from them I will gladly attach one for you as I have quite a few of them saved in my legal folder on my computer and I believe I have a copy of the letter I have sent to them as well. Please get them to stop sending this to me and send it to the right person. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: DC

Complaint narrative:
This complaint is in reference to the XXXX XXXX Account XXXX XXXX reflected on my credit report with Experian. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX Bank, XX/XX/2018, XXXX XXXX XXXX XXXX, XXXX Card, XX/XX/2018, XXXX XXXX Bank Texas, XX/XX/2018, XXXX Card, XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A property that was foreclosed in XX/XX/XXXX is being reported as open and past due through XX/XX/XXXX. The date discrepancy caused a new mortgage underwriting to interpret that the account is still open and in a past due status, instead of closed and a Foreclosed status. I contacted Wells Fargo many times to try to resolve this in a timely manner, before my new mortgage loan approval expired, however I was never allowed to speak to a dispute department. I was given different numbers to fax my dispute to, and could not get a confirmation that they received the fax I sent on XX/XX/XXXX. It has been more than a month and I have had no acknowledgment from the company. At this point, my mortgage loan approval has expired, I lost the house I wanted to purchase, and my credit score has dropped due to the hard inquiry for the mortgage - meaning now, whenever they do update my credit report to reflect the correct dates, I will be less likely to be approved due to now having a lower score. That would not have been an issue if Wells Fargo would have taken corrective steps in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
My loan servicing company was recently switched to Home Point Financial and we're now in a significant dispute. 

Back in XXXX, I made my first payment and set up an auto-draft moving forward. However, the company, by its own acknowledgement, set up my auto-draft incorrectly. 

As a result, I missed multiple payments, and they reported my wife and I to the credit bureaus. 

The company 's stance is that I should have noticed the error when I received my monthly statements via email. However, the email is simply a link that states my statement is available. The statement itself isn't attached and there's no mention. the account is delinquent. 

I never received any phone call, email, or other correspondence that I missed a payment, until I received a certified letter last week. When I did, I immediately called the company, paid the outdated balance in full, and they remedied the auto-draft error. 

But they are still refusing to contact the credit bureaus to tell them they mistakenly reported my wife and I. As a result, our credit scores have dropped more than 100 points. Please help! 

Thanks, XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX finance thru Santander bank been paying on it since and up to this date Im still at same balance. Ive had late payments on loan and its understandable a late fee and of course I have to pay interest but this is ridiculous that almost 2 yrs and Im still at same balance. I feel this is not a fair act of doing business with consumers. And I stress again this is not right for consumers. I tried talking to Santander and the response they gave me is to make payments on time to avoid all the interest getting charge nothing else could be done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My car was deemed a total loss after I was hit by a driver who ran a stop light. The driver of the other vehicle was ticketed and his insurance company took full responsibility. However, my insurance company, XXXX, took control of the issue and, to date, has paid XXXX {$38000.00}. There are 2 more payments pending, both of which XXXX is aware, which covers the remaining balance of {$6300.00}. 

XXXX is threatening to negatively-report me to the major credit bureaus, as my " payment '' is now 27 days late. They are forcing me to make a payment on a vehicle I can no longer use ( total loss ) and of which they absolutely know that payments have been submitted and are being submitted. The {$38000.00} should have certainly brought my account " current ''. Logic would dictate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CT

Complaint narrative:
XX/XX/2018. This is the third time that I have been contacted by Bankers Healthcare Group to take out a loan with them. It includes a card and a personal site that obviously could be used in identity theft if anyone else received it by mistake. I have written to them last month and the month before, demanding that they stop sending these cards. Their " President '' is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. Please stop them from sending unwanted loan offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient Told me I as in the program to work towards Public Service Forgiveness. I've been paying for 4years and recently found out it was all a lie. And I have to sign up for other program and start the " 10 years all over ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and requested a copy of all monthly mortgage payments sent to XXXX XXXX XXXX , XXXX from XX/XX/XXXX. The company sent a two page form for me to fill out and requested a copy of my current Identification which was included in the envelope sent to their XXXX, Colorado office. My ticket number for this request is # XXXX. I have spoken to several customer service representatives each has told me that a supervisor will be " expedite '' my issue and call back in 24- 48 hours.This has happen twice, I have been hung up on once, given wrong information, and a new case ID number. My personal information and driver license is with this company. With the lack of customer service and professionalism that I have received.I am concerned greatly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have attempted to contact Mr. Cooper regarding the foreclosure on my property and have not have any success in obtaining assistance. I have informed them that I have the funds to reinstate the loan and they are not allowing me the time to do so. No one from Mr. Cooper has ever reached out to me to offer any assistance, to inform me of my late payments and to provide alternatives to foreclosure. I am now facing a foreclosure sale for tomorrow XX/XX/2018 and Mr. Cooper is refusing to do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Approximately 1 year ago, I submitted a request for removal of PMI associated with a home loan. At that time, Shellpoint advised that we would have to pay " at least {$400.00}, '' for an appraisal to be done ; however, would not provide a maximum amount. They essentially wanted me to sign off on an appraisal that could theoretically be of an unlimited denomination. In an attempt to remedy the situation, I called the lender numerous times requesting assistance and an maximum amount of the appraisal without response. In the end, I filed a complaint with the CFPB in order to get some action from the lender. Only at that time, did they advise that the cost of the appraisal would be approximately {$590.00}. Total time elapsed over 6 months.

Several months ago, we contacted Shellpoint to move forward with the PMI removal process and was advised via email on XX/XX/2018, that we would need an appraisal and to respond to the email in order to move forward. I responded to that email as directed, but did not receive any further communication other than an email acknowledgment and several notifications ( via mail ) that " we are working on your problem. '' Since that time, we have contacted Shellpoint numerous times via email and phone to be told EVERY time that a prior agent had made an error and that we would immediately get the document which needed to be signed before moving forward with ordering the appraisal. Finally, on XX/XX/XXXX, we were told that there must be " some issue, '' and that a supervisor would call us back shortly. Again, nobody contacted us back. Today, XX/XX/XXXX, I called again and was transferred to the voicemail of a manager, who has not phoned back. 

Shellpoint 's lack of response to inquiry, or to escalation to management, is pervasive within the company. Each agent acts with confidence that they know what is wrong with the process, yet EVERY time nothing is fixed. We get letter after letter stating that " we are working on it, '' yet never get the process moved forward. This lack of response by the company has cost us well over {$1000.00} due to their lack of response. I have given Shellpoint adequate opportunity to do the right thing, but again, they have not ; thus, request that an official investigation occur to remedy this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Ocwen Financial Corporation
State: WA

Complaint narrative:
I contacted OCWEN Loan Servicing about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.

Company response to consumer: Closed with explanation