vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was approved for a Chase XXXX XXXX credit card with an {$8500.00} limit. The promotion was to spend {$4000.00} in the first three months to receive the advertised benefits.

I received the card and spent approximately {$6000.00} in the first couple weeks. I was consistently transferred to the fraud department for most purchases. 

After two weeks my card account was closed without logical explanation. I did not even get to one statement cycle to make a payment on the account. 

I feel the company advertised falsely to get me to sign up for their card and advertised aggressive spending for the first three months to reach the benefits, and once I did what they asked, they closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Our XXXX had a mortgage on several residential properties with XXXX XXXX. The mortgage was purchased by Statebridge Co. We paid the debt in full in XX/XX/XXXX. I have the discharge of mortgage and a clerical error was made by Statebridge. The released property is listed as our XXXX 's mailing address and not the several properties the actual mortgage was for. I contacted Statebridge to alert them on XX/XX/XXXX. XXXX XXXX from Statebridge was associated with this loan. I notified Ms. XXXX of the issue by email, she responded XXXX XXXX XXXX and again the same day stating she had located the document and was working on it. Having heard no response i have emailed her XXXX XXXX, XXXX asking for the status. No response. This is a clerical error Statebridge can easily resolve. Our XXXX needs to restructure quickly and further loans are being denied as a result of Statebridge 's reluctancy to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my credit report where a collection item was Removed on XX/XX/XXXX but later added back to my credit file on XX/XX/XXXX without any written warning to me as to why the collection item was from XXXX XXXX XXXX a company in which I previously disputed as i have never signed a contract or received any services from this company I have enclosed a company of the experian dispute showing the item was removed and then added back In addition I have a fraud alert on my file however experian has allowed inquires I have no knowledge of and refuses to drlete said inquires after several phone calls the inquires innquestion are below XXXX XXXX XX/XX/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 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 2019-03-02 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: CA

Complaint narrative:
1 ) Six of my loans with Navient recently had cancelled amount reflected on my XXXX account. When I checked my Navient account I noticed that these cancelled amount were reflected as refunds but also the amounts were inaccurate. For example, my XXXX  loan with Navient is loan # XXXX on my XXXX but when I look at the account history the {$870.00} cancelled amount is reflected as {$150.00}. Why I have no idea because those amounts do not even come close to matching. 
2 ) Another thing I noticed on my XXXX is that time that I was in a forbearance or deferment period Navient has late fees charged to my accounts. This issue is actually something I previously complained about being incorrectly reported on my Credit report, and even though that was cleared up they are still not reflecting on my actual account with Navient. 

3 ) When I requested that my account be review and I would provide documentation I was instructed via email to call customer service. I do not feel comfortable talking on the phone addressing these issues as I have told them in all of my communications with them, I believe having a paper trail with a company I do not trust is better than talking on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with Equifax but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: TN

Complaint narrative:
I have disputed the collection account on my Transunion and XXXX credit report. XXXX succesfully resolved issue but Transunion did not. Transunion instead claimed to have verified and updated the info on account and Transunion also lowered my score by 28 points. There is no update on the actual credit report. I paid this account in full to the Original Creditor XXXX. There should be no collection and no balance. Transunion failed to contact original creditor to see if the balance had been paid and are continuing to report false data that is not updated or verified.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

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 2019-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2018 I sent my mortgage holder, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal and additional principal. On XX/XX/2018 the check cleared my bank but was never credited to my account. XXXX said they did not receive a check in the amount of {$4000.00}. The back of the check was stamped with " CR PAYEE ACCT XXXX XXXX XXXX BANK OF AMERICA ''. I understand this means it was credited to XXXX XXXX XXXX  account with lack of endorsement. I submitted a complaint to XXXX and their answer is they did not receive the check and the endorsement on the back is not XXXX. XXXX claims they contacted Bank of America and were advised that the funds were submitted to a valid lockbox, but not XXXX XXXX lockbox. Therefore, they are unable to transfer the funds to XXXX. Bank of America also indicated that I will need to file a fraud claim to be reimbursed tor the funds. 
I want to know ; 1. Why Bank of America cashed the check with no endorsement?

2. Why was the funds transferred to a " lockbox '' that the payee or payer can not access?

3. Why was the payer or payee not contacted?

4. How did the check get to Bank of America when it was sent to XXXX? 
5. Why do I need to file a fraud complaint? Has Bank of America committed an illegal act?

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 2019-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
i contacted BOA onXX/XX/XXXX19 asked why they withdrew - {$24.00} from my bank account even though i am not set up for auto pay good thing they did not overdraft my bank account. Also when i called back XX/XX/XXXX19 their auto ivr system says 30 mins to 55 mins to speak to a representative. this is unacceptable. I feel the bank is being negligent.

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 2019-03-02 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:
I was told that my credit was not ran and that they used my sisters information only to get a loan for a vehicle. I was lied too and on XX/XX/2019 my credit was ran and on XX/XX/2019 credit was ran twice by 2 different banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC
State: NC

Complaint narrative:
This debt collector keeps calling my family my work place threatening me that the will be looking for any contacts keep contacting my employer and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient manages several private loans of mine. But they don't allow for an easy transparent way to determine the monthly payments cost. The site is very confusing. Also, I have separate loans with different cosigners and I should be able to send in payments and pay extra amounts on each load easily and they are do not process my payments accordingly. I want to be able to see my monthly payments and be able to send payments to each specific loan, not a bulk payment to all loans. I should have complete control over how payments are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc.
State: GA

Complaint narrative:
I was forced by XXXX XXXX realtor XXXX XXXX to use XXXX XXXX XXXX. I told XXXX I already had a mortgage company. she said if i didnt use XXXX XXXX, the builder wouldnt give me the contract. I used XXXX XXXX believing they would pay XXXX in closing cost. they didnt because my sscore was a XXXX. XXXX XXXX at XXXX XXXX has been close friends with XXXX XXXX. I feel their personal relationship affected me. I wasnt able to choose my lender. further more when i complained to XXXX she went back and told XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Thank you for taking time out to review my complaint. 
I have a XXXX XXXX XXXX account with Synchrony bank and my bills are due on the XXXX of the month. I have made payments on the XXXX of the month and Synchrony has assessed {$38.00} late fees on my account. I am paying on the due date and the fees are assessed and then they post a day, two or even a week later.

I recently discovered that this has been going on for some time when I decided to check my bill because I wanted to pay off the balance. I have bank statements along with screenshots of the bill being paid on the XXXX of the month accept for XXXX. This is where i discovered the issue. I asked to speak with a manager and got XXXX who told me that is not what her screen shows.

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 2019-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Situation : Ally had run a promotion ( Rules available at : https : //www.allypaybacktime.com/rules and attached in pdf form ). In short, it asked the customer to deposit up to {$100000.00} of " new money '' and Ally will pay 1 % of cash promotion on this {$100000.00} - The new funds deposited into the account ( s ) must be from outside the Ally Financial family of companies. 

I had therefore, on XX/XX/2018 I had withdrew {$120000.00} from my CD to XXXX  XXXX, then brought back the money to Ally a day later by buying two CDs, one for {$100000.00} and one for {$20000.00}. So under my example above and your own XXXX XXXX XXXX, this is {$120000.00} of NEW MONEY, of which $ XXXX should be fully applied to the promotion. ( Please see attached files for proof ) What's wrong : Ally had instead only paid me {$98.00} for the promotion. I had contacted Ally to tell them that under the way their rules were written, " new money '' clearly only means new money from a different bank ( e.g., if I had {$1.00}, I gave {$1.00} to my friend, my friend then gave the {$1.00} back to me, that {$1.00} my friend gave to me is " new money '' by their definition in their terms ). Instead Ally refused payment and arbitrarily said that the " new money '' had to bring my account above a certain watermark that was not mentioned in the actual terms. 

As you can see other people have discussed Ally 's reluctance to pay at https : XXXX and at https : 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 2019-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/19 I applied for a XXXX XXXX XXXX  XXXX credit card issued my XXXX XXXX. A credit report was pulled on my XXXX  and the message was wait 2 weeks. Today XX/XX/XXXX I received a letter stating there is freeze on my XXXX  report and they are unable to verify my credit history with other credit grantors. Well the fact that they pulled my XXXX  report is clear they were able to verify my credit history. Since they said they couldn't pull the report they wanted to use I want to remove the one they did pull and didn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
On XX/XX/XXXX my husband became very ill due to his XXXX XXXX and I was also not working at the time. We have always been current with our mortgage, but could not make the full payments after XXXX. I contacted our mortgage company to see if our payments could be lowered until my husband and I could get back to work. The mortgage company did a forbearance and lowered our payments. We had only missed three payments when they came up with this solution to our problems. My husband and I began working shortly after this plan. When we got caught up on other bills we contacted our mortgage company to let them know we could now make full payments again. They accepted full payments for XXXX XXXX and when we were to make XXXX 's payment they told us they could no longer accept payments from us, because our house was in foreclosure. We could not believe this happened, so we applied for a loss mitigation to keep our home we have done everything for 5 months and they told us they were working with us, but our home is online to be sold and we have people calling us wanting to see our home. This company is fraudulent and uncaring. I don't believe they are really working with us and I do not want to lose my home or file bankruptcy.

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 2019-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Scott Fetzer Financial Group Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contract and from what Ive read is against federal truth a lending laws. On XX/XX/XXXX i sent a email showing the loan company the contract was not filled out properly. I have a response of them acknowledging that is was filled out wrong but that they still wont let me out of the loan. And also the men that showed up to sell me from XXXX XXXX XXXX gave me numbers on the bill of sale that never worked. I have copies of everything

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: OR

Complaint narrative:
I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the original date of delinquency and this date is not allowed to change by law. In a effort to re age the account the collection agency has changed the original date of delinquency to XX/XX/2012  which inaccurate. The original date of delinquency was prior to that. The collection agency has failed to provide myself or any other entity with documentation showing the original date of delinquency. They have also failed to provide any record of payments on this account. Since no payment was made on this account the original date of delinquency would be 30 days from the date the account was first registered. If we use the logic that the date of delinquency was in fact XX/XX/2012 XXXX must provide proof that the first delinquency was XX/XX/2012 and it was only 30 days late. I demand that a someone from the credit bureau investigated my credit file. XXXX is stating the account is accurate but by their own logic this debt is not valid.

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citi refuses to close my credit card account. I requested closure by both phone and in writing online.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX  documentation prior to reporting the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation