vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered the XXXX XXXX  in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX  permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening. 

I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: MN

Complaint narrative:
I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact 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
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I co-signed on one of my daughters student loans and this loan is up to date. However, she has three more loans in her name only that are starting to get behind. Since XX/XX/2018, they have called me 16 times but will not leave a message. They have called 11 times from XXXX XXXX XXXX XXXX, ( XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 times from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) so far. My daughter has sent them a certified letter asking that they not to contact her family members, job or her neighbors ( they have her telephone number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My wife and I attended University XXXX XXXX online for our XXXX studies. I attended XXXX University online for my masters as well. These schools I believe misrepresented me with their offers of a good education that would enable me to get the level of education and career I was looking for. Needless to say I stayed in my current career because the degrees did not amount to anything on paper. 
Because of the lack of increased pay, we had trouble with the repayment options. We have had numerous loan servicers over the course of graduating with my XXXX. Nelnet, XXXX, XXXX to name a few. When I informed them we was struggling, deferring, forbeance or combining the loans was always their answer. I believe I have made only four payments in the last five years because of the options they kept giving me. The lack of guidance and tactics I believe were confusing and misleading. Now the debt has ballooned to over 80 thousand dollars due to fees and interest and I have no other option ( other than deference that I know they would still give me ) and the payment is way to high for me to handle. Although I have these degrees on my wall, they are of little value and now I have to pay for it the rest of my life. Our credit scores will suffer for years because of this and my wife still hasn't finished acquiring the worthless degree

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J.P. MORGAN, CHASE BANK N.A. IS A FURNISHER TO XXXX XXXX XXXX XXXX ( XXXX ). XXXX IS A VENDOR OF CHASE AND CHASE IS A PART OWNER OF XXXX. XXXX IS A CREDIT REPORTING AGENCY FOR CHECKING ACCOUNTS. 

QUESTIONS THAT REMAIN UNANSWERED BY CHASE ACCOUNT WAS CLOSED ON OR ABOUT XX/XX/XXXX : WHAT WAS THE DATE THAT CHASE REPORTED TO XXXX? 

WHAT WAS THE REASON THAT YOU REPORTED TO XXXX, WHY? 

DID YOU PROVIDE TO ME ( CONSUMER ) A NOTICE OF ADVERSE ACTION TAKEN, BEFORE YOU REPORTED TO XXXX? 

IS CHASE BANK LEGALLY REQUIRED TO REPORT TO A CRA OR IS IT VOLUNTARY? 

CHASE HAS REPORTED TO XXXX A NEGATIVE ACCOUNT CLOSURE, WHAT WAS THE NEGATIVE REASON? 

WHY DID CHASE REPORT TO XXXX AS OPPOSED TO THE OTHER CRA 'S? 

CHASE REPORTS TO XXXX AT LEAST EVERY 30 DAYS, AND CHASE HAS BEEN REPORTING TO THE CRA XXXX FOR 10 MONTHS AS OF XX/XX/XXXX WHY? 

CHASE HAS IN PROMISED ( VIA SEVERAL LETTER ) TO REMOVE THIS REPORTING FROM XXXX, WHY HAS IT TAKEN 10 MONTHS AND COUNTING?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX  with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP

Complaint narrative:
So basically the problem is with the three payments that I made, but they are no longer visible at my bank statement account in U.S Bank. I have rented a car from XXXX at XXXX XXXX at XX/XX/18 and I paid there {$730.00} then at XX/XX/18 I paid another {$460.00} and then at the very end at XXXX XXXX XXXX where I returned a car I paid another {$57.00}, so in total it is {$1200.00} but two days later I have been charged once again with the total of {$1200.00} so my actual bank balance is nearly - {$1200.00}. Like I said right now those three payments are no longer appers, but I'm sure that those payments weren't pending, they were simply made. I contacted XXXX  and they assured me that from their side is everything OK, but I'm not sure ( I have all emails in case of need ). With U.S Bank I did not contact because right now I'm in XXXX and I can't contact them via email and I don't have my US phone number anymore.

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 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
They arent doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. The property has been listed as a Short Sale for months now and I have had numerous loan offers from interested parties to buy the property. Loancare has been provided these offers all requested paperwork that they have asked for numerous times with no resolution or answer as to approving the short sale offers. They keep asking for documents and paper work that has been already provided and because of their delays we have had a previous offer fall through. Loancare has been very unreasonable since they have taken over my loan. They do not return phone calls left by our representation or emails and when they do they are weeks and months later. I am very desperate to sell my home through a short sale but Loancare is blocking this by their un-professional practices. 
On XX/XX/2018 or representation tried to contact Loancare again and thus far no response.

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on the XX/XX/2018. I deposited a check from my employer " XXXX XXXX XXXX XXXX '' for the amount of {$700.00}. there was a hold placed on my check for a period that exceeded 5 business days. i was negative in my account when i initialize the deposited in my account. so i had no funds to continue this new job i started. and the end result to that check was a much greater negative balance, and loosing my employer due to funds for transportation. so since i lost my employer and cant pay my bills an they added fees for insufficient funds i want to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Ditech Financial LLC has wrongfully denied me of loss mitigation assistance.The reasons stated in their denial letter ( s ) are untrue. I have provided them with all the requested documentation to prove their reason for denial is incorrect.They have foreclosed on my home and a sale date is pending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I recently moved to XXXX and have had a difficult time finding a job and paying my credit cards payments on time. While this has been a difficult transition for me I have still managed to make two payments a week late in the last month ( {$35.00} ). 
I still do not have a job yet and have decided to join the XXXX XXXX in order to serve my country and become more financially independent. While this is still in processing I am adamant about staying on top of my bills and paying my credit card payments on time. It is very important to me to stay in my integrity and honor the debt that I owe. 
The specific credit card in this situation I am writing to you about is Capital One. I have made two late payments and have been charged twice for late fees ( {$25.00} x2 ). I promise that this will not happen again and I will stay on top of this bill I just need those fees waived and for the derogatory marks to be taken off of my credit score. The XXXX XXXX is looking into my credit history and it is imperative that I be making on time payments in order to secure my contract with them. 
Please from the bottom of my heart I promise I will make my payments on time I just need some help clearing these two mistakes off of my history and my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me. 
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX. 
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them. 
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt. 
I have no information regarding what it is for. 
They said they would mail be something and they continue to call my cell phone today twice already. 
At this point, they are harrassing me and will not give me any information. 
Why have they not been bothering me in 5 years and starting now? 
I have had the same cell phone number since then and same address. 
I fear this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to open a checking account with XXXX bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping XXXX from granting me an account. Let me also mention that XXXX is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to Experian to contact them with questions. I called Experian and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called XXXX to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a XXXX bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to Experian to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.

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 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I called this number today XXXX thinking it was Navient Student loans. A lady named XXXX answered and asked for my information such as name, date of birth, and social. Once she got my information she said I have the wrong number and gave me Navients number and hung up on me. When I called back she would not give me the name of their company and hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy & Holthus, LLP
State: NV

Complaint narrative:
it appears there is a respa violation re pmi mo kickback scheme of 40 % plus alleged late fees being allegedly paid when upon default the pmi reinsurer paid XXXX when the servicer instructed me to default which caused a XXXX XXXX and additional emotional duress they have alleged XXXX is in a escrow account yet i am paying my property taxes directly to the assessor and there would not be any pmi mo or pmi mo late fee ... allegedly every mo the date is XX/XX/XXXX amt XXXX and XXXX ... total XXXX after 12 years.. 

XXXX would have paid XXXX upon default and the servicer instructed me to default XX/XX/XXXX which caused a XXXX XXXX and emotional duress thereafter since they allege they are paying the pmi mo this would indicate the respa violation is renewed so the statute has not expired. 


it looks like they want to be compensated that XXXX amount if the judge should grant them a foreclosure which i am fighting and disputing since they forged all the docs see attached all their docs are forged and they have never verified their docs are legit ... which they aren't everything fabricated by XXXX XXXX and XXXX XXXX XXXX  XXXX a person that alleged to be XXXX was actually a XXXX XXXX  employee named XXXX XXXX ... passing himself off as XXXX the file shows who he is with and then after mediation he made a request for payment of fees ... i was forced to sign out under duress ... see attached file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I cut a check for a vendor by using my on line Chase Bank Business checking payment. The moment I wrote the check out, Chase Bank removed the money from my bank account. Chase Banks ' check for the vednor had the correct. The vendor waited everyday for the check to arrive. The Chase Bank Check never arrived. Now I am forced to pay an interested on the late money and pay the full amount of the check. The money is somewhere in The Chase Bank. When I contacted Chase to address this problem. I was advised to cancel the so check and that the money would be put back into my Chase Bank Business account. When I called Chase Bank an unprofessional woman and rough women spoke to me on the phone. The unprofessional and rough Chase Bank Representative informed, that in now way was Chase Bank, responsible to pay the late fee and that I would have to wait at 5 day before Chase put the money back into my account. When I called another person at Chase Bank regarding this issue he told me that Chase would pay the late fee and the money would be back in my account within 24 hours. 
At this point, Chase Bank has still not put my money back in my Chase Bank account. I am responsible for the payment to the vendor and a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my  report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error

Company response to consumer: Closed with explanation