vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was not aware that any of these companies were running my personal information im wanting them removed from my report, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I lost my job now Im back working tried calling to work something out no response but they got it on my credit report when I been trying to pay them with a payment plan for 6 months Now

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 2018-06-26 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX XXXX/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
in XX/XX/2014, my family applied and was approved for a loan consolidation cash out, refinance with Chase bank, where all 4 mortgages have been for decades..This was on SFR worth then {$750000.00}, now $ XXXX amt was for {$410000.00} at 4.625 % with a sole borrower as acting trustee of a revocable trust requiring only 1 trustee signature. We were Required as a condition of closing to close all credit accounts so all unsecured debt Would be Paid off directly by Chase bank after closing and funding of loan. Loan officer And manager were made aware before ApplicationThat co-trustee was elderly and non-Compliant, combative and acting in bad faith With regards to Trust properties. She had never managed the estate and did not understand the need to maintain property condition and satisfy county condition requirements. Therefore All documents were submitted To show trustees and beneficiaries ' rights To conduct The Business and Encumber, sell mortgage etc. properties with only one signature. They had 3 trust members at closing, 2 more than necessary. The manager and loan officer pre Approved paperwork and understood Circumstances. At closing, Notary was present along with both beneficiaries and acting trustee. co-trustee wouldn't participate but tried to derail closing by screaming profanity while running in lobby in her pajamas. She also sent fake letters to the branch about co-trustee.All consolidated debts were trust debts as well as trust assets. No additional debt would be incurred and overall monthly payments would decrease by more than {$3000.00} with refinance and consolidation with reduced int rates.. Chase did not close because of her antics and as a result, mortgages went into default, all Credit payoffs were missed and our credit as a family destroyed.

Many accounts were over 40 years old and had no credit limits.

As a result of missed pay-off accounts all show defaulted, charged off, or creditors are suing for payment and we are unable to obtain any personal credit. were forced to get a bridge loan at 9 % int only for 2 years to make repairs, mortgages all show lates or were transferred to another servicer with fees and delinquencies. Our XXXX hit an all-time low of XXXX! Properties still in disrepair as we are unable to obtain financing to fund rehabs. 
Since then we have not been able to obtain a loan, refinance or settle with closed cards and chase has done nothing to assist and we just paid off old loans with hard money, we kept banking at same location anticipating a resolution. These loans were over 30 years old with chase and elderly owners ( XXXX & XXXX ). We can not recover from this failure to honor the trust document. Our insurance billed to the closed accounts and is lost as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hi I was a victim of identity theft and my XXXX credit score was at XXXX and I open up a dispute with my credit bureau and I received a email alert from American expresss and they lower my spending limit to XXXX due to my credit score is low and I explain to them that I paid my credit cards on time and I have few accounts on my experian credit report are fraud American Expres told me that I need to to fax in my tax returns and my bank statement and they are closing my account soon and didnt want listen to my situation and made it so hard for me ... .. and I spoke to a supervisor and he was rude to me and called it night and I called XXXX fraud dept and told them about my American Express account and they didnt want to assist me and hung up on me three time and stated that I need to call the next day because they will be closing in 15 mins .... and experian refused to assist me and American Express dont want to contact experian ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
After living in this apartment for 12 years, we were sent a letter asking us to move due to remodel ( see pg 1 ). We were never given the option of a walk through to identify anything that we could correct before having it deducted from our deposit of {$700.00}. Landlord conducted a walk through after new tenants had been living in unit He has kept our entire deposit plus asked us to pay another {$900.00}. He has called us liars and insulted our intelligence as you can see in his email. we asked to see receipts but were denied. except for the one for carpet. He wanted us to pay for carpet but pg. 8 of the lease states we can not be charged for carpet after so many years, so instead he is charging us for the recycling of old carpet and padding and installation of the new carpet this is how he has worked his way around it. He claims we damaged appliances and that they werent clean enough, this is after 12 years of use, they are going to have wear, plus they are the same appliances that were left for the new tenants, so they couldnt have been too damaged. he would not produce a receipt for the extra cleaning. We received a letter on XX/XX/XXXX stating we had 10 days to pay or we would be turned over to collections, on XX/XX/XXXX we received a statement from a collection agency. we had just moved out on XX/XX/XXXX. we are being charged twice for utilities, and late for supposedly over 10 mos. ago. He has ruined our hard earned credit standing, it dropped 40 points. which he had threatened to do to make it difficult for us to find a new place to live Please see his email to us dated XX/XX/XXXX, very intimidating and threatening. We tried mediation, but we received very little cooperation. I am willing to pay {$75.00} each for 3 closet doors, since he will not get us receipt i think that is fair. The handle on the refrigerator was missing when we received it. it had come from another apartment that way, it was replacing the one we had because it was broken when we moved it. I feel I am entitled to my deposit minus the {$220.00} for closet doors, I expect him to correct what he has done to our credit and be held monetarily responsible. We have worked hard to keep our credit in good standing, he had no right to damage it for his satisfaction. I would really appreciate your help on this matter. we have been denied what should have been rightfully by law offered to us, our credit is ruined, and he has kept our funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

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 2018-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
The loan started out i owed XXXX and they modified the loan now at the end of the loan I owed them XXXX so over all i will have to pay them XXXX something dont seems right about that on a interest only loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

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 2018-06-26 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: CA

Complaint narrative:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX /XXXX XXXXXXXX XXXX Shellpoint Mortgage Serving We are still filing complaints against the Shellpoint Mortgage Company that has asked for my Bank statement in the months of XX/XX/2018 XX/XX/2018 SHELLPOINT MORTGAGE AND XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX SAW ON MY XXXX XXXX XXXX PERSONAL STATEMENT OF MY SSDI DIRECT DEPOSIT. 
DEMANDING AGAINST FEDERAL STATE LAW ASKING FOR MY SSDI DEPOSIT IN THE SUM OF {>= $1,000,000} XX/XX/2018 DOLLARS PAYMENT PLAN ONLY AFTER PULLING MY BANK ACCOUNT INFORMATION XX/XX/2018, XX/XX/2018 BECAUSE OF MY SSDI APPROVAL AFTER 4 YEARS OF DENIALS. 
THIS STATEMENT FROM SHELLPOINT MORTGAGE /XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ! 

CFPB HAVE THIS STATEMENT THAT IS GIVEN TO THE PUBLIC EXPLAINING THAT FEDERAL DIRECT DEPOSIT CAN NOT BE GARNISHED BY ANY BANK DUE TO THE DISABILITY I XXXX XXXX XXXX LIVE WITH FOR THE REST OF MY LIFE. 

AGAIN THE MORTGAGE COMPANIES HANDLING OUR ACCOUNT XXXX HAVE COMMITTED FRAUD DUE TO AND AGAINST ME I AM DISABLE TO TAKE AWAY MY HOME WITH MY FAMILY MAKING US HOMELESS ON PURPOSE. 

WE SHOULD NOT LOSE OUR HOME JUST TO STEAL MY SSDI DIRECT DEPOSIT. 

WE NEVER WANTED TO LOSE OUR HOME BECAUSE I RECEIVED MY SSDI AND THE BANKS FOR OUR MORTGAGE WANTS TO STEAL MY SSDI. 
JUST TO KEEPING OUR HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX  or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have a kind of complicated situation. In XX/XX/XXXX, I began paying Sallie Mae for my student loan. I made regular on time payments till XXXX XXXX XXXX, when my husband and XXXX children began to struggle financially. Sallie Mae gave me an immediate forbearance due to hardship. We filed bankruptcy in XX/XX/XXXX, and barely a month later my aunt died and I was inherited XXXX. Sallie Mae was one of the many creditors who were offered to claim their money. Sallie Mae did so and to my knowledge my bankruptcy trustee paid them in full. I do believe I made a follow up call to make sure of that. During the time from which I filed bankruptcy and time that everyone was paid and my bankruptcy case closed was nearly 2 years due to probate and what not and Sallie Mae kept charging interest and late fees on the account after claiming money already. Is that legal? Now during the last year I've been fighting with them to explain to me how I owe them XXXX. After my trustee gave them the payoff two years later an adjustment was made to my account for XXXX and XXXX which makes no sense to me. And then 3 years later they begin charging late fees again. I wrote them 2 dispute letters and followed up many times to try and get a supervisor to contact me and they told me they were making a decision on my case. I asked specifically to be called and emailed directly with outcome and they didn't do so. I had to call again in which they told me my explanation could be found on my account page when I went there they had not given any explanation just changed my account around to offer a lower payment plan. I could never get a straight answer from anyone ... I am uploading many documents to you in hopes some one can figure out how any of this makes any sense. I have done all I can and now they have forced me into another forbearance or too till I got this figured out which is again in late standing to current. thank you kindly for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
XX/XX/17 I was paid to other collector XXXX.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
For the past three months, I have suffered from nearly constant fraudulent transactions. 

On the XX/XX/XXXX, there was a {$4.00} charge to my account that I did not intend. No charges were consciously authorized. I was attempting to get a loan, and this charge overdrew my account, which was set to not allow my checking account to overdraw. This charge, then, should have been rejected. 

I live on a fixed income, where my bank has previously stolen in excess of {$300.00} from my checking account, via a number of transactions that THEY initially identified as fraudulent. They are going to cause me to become homeless again, and these charges are ridiculous. 

Needless to say that I am extremely XXXX XXXX over all of this. I only make {$750.00} per month and I simply can't afford to be nickeled and dimed to death like this. 

I complained, and was told there was nothing they could do until the charge posted. 

In spite of the fact that there is a policy in place against levying overdraft charges when they are under {$10.00}, my account was charged {$35.00} in overdraft charges, when I didn't authorize ANY of this!!!

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 2018-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX called and left a voice message. Then at XXXX a rep called again and left another voice message. I can understand once a day but calling again is harassment. I still have the voicemails. This isnt just about mortgage. I have several loans with this bank

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