vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Good afternoon as always, I make my payments on time XXXX usd,  over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. 
I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found an old check send it to me from Citibank dated XX/XX/2013, there is not phone number on the check only an address and I have tried to get the phone number of this bank without success. I need to get this check to reissue and send it to my address.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Account was open on XX/XX/2014 I was late twice due to financial hardship and being unemployed. I have been current with my payments since then and they will not remove late payments stated it's against the law to remove reporting from credit bureaus and they can get in trouble with XXXX  XXXX and 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 monetary relief
Consumer complaint received 2018-06-05 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: WI

Complaint narrative:
Equifax responded to complaint XXXX filed by me to the cfpb per their response equifax connects with XXXX XXXX and XXXX XXXX connects with pacer PACER. serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. 
Because court records ARE public, any person or organization can view them through the PACER system Equifax is in violation of the fair credit reporting act because Equifax did not verify directly with the Bankruptcy court. 
Pacer.gov is a third party entity that collects information and then sells the information to Equifax and other credit reporting agencies. 
Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccuracy because the information was placed on my report by a third party pacer system. I feel I am a victim of scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called Ability Recovery services for the amount of {$1000.00}. I have no knowledge of this debt so I sent Ability Recovery a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from Ability Recovery Services in regards to the validity of this debt. The homeowner program advise me to send a admission of silence letter to them, which was sent on XX/XX/XXXX and they did not respond to that letter either. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like Ability Recovery Services to remove this debt from my credit report since they have denied me my right to receive proof of validation of this 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
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX  waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX  year mother in opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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:
Hello Sir/Mam, I opened a line of credit with XXXX XXXX through Synchrony Financial about two years ago to purchase an item. During that I was offer a promotion where I could finance the item for several years interest free as long as the item was paid off by the end of the promotion. A couple months after this purchase, I purchased another item under the same line of credit utilizing another promotion program. Till this I havent used the line of credit and have paid bill on time ( I was never late ). Unknowingly, when paying my bill the company did not advise me that my payments werent going fully towards my balance and never advised that I needed to pay additional payments so that I have successfully pay y balance prior to the end of the promotion as to avoid any and all interest fees. I recently checked my online account with Synchrony Financial ( because I have the bill paid on auto-payment ) to so have my account is looking and saw that the balance was {$1000.00} and the promotion was expiring on XX/XX/2018. I immediately became concerned because I have always paid my bill on time and complied with the promotion terms. I reached out to the company and receive no solution ; they stated that if I do not pay the balance off by XX/XX/2018, I will be billed approximately {$2200.00} in interest fees right away and hit with a large interest fee every month after. I believe the company should have notified me and advised me that I would need to pay additional payments on top of the minimum payment if I wanted to pay off the item before am I charged the interest rates. Please is there anything someone can do to help me, I am not refusing to pay my balance I am simply asking that Synchrony come up with a solution to avoid any interest charges. Thank you so much for reading this and I hope I can get help.

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 2018-06-05 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: PA

Complaint narrative:
My identity was stolen because of the Experian data breach. Over a year later, my XXXX XXXX card sent me a letter saying they are increasing my APR due to an Experian credit report. I currently have a freeze on all 3 credit agencies. 
Experian is unable to keep data safe. In addition, they are unable to keep the stolen identity case ( that they caused ) from affecting my credit score. My excellent credit rating of XXXX went down to XXXX due to their incompetency. This mismanagement is causing personal harm. There should be a class action lawsuit.

I would like Experian to repair the damage they caused and fairly report my credit score.

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express tells me that they transferred XXXX XXXX points as three XXXX referrals for the XXXX card, but they never showed up in my XXXX account. I have offered to provide screenshots of my XXXX account activity so they can verify, but they seem unwilling to help. They sent me XXXX points for my 4th referral, and the maximum for a calendar year is XXXX, so they owe me XXXX points. XXXX  According to this article, they may have had a IT glitch that caused the points not to be sent properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
When using the web site to make payment, loancare llc will put a added cost to your payment if not done in the first four days, This fee starts at XXXX $ AND GOES UP. My mortgage is not late until the XXXX of the month, and this company is charging late fees after four days. This goes against contract and to me is against the bound agreement of the contract.

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 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX   XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: VA

Complaint narrative:
Time of Applicable Cases : Approximately, XX/XX/XXXX -XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXX ( XXXX XXXX ), and Complaint on potentially deceptive credit card business practice based on corporate policy that is not fairly and properly administered : ( Complaint Below ) CHASE advertises a credit card service that appeals to XXXX XXXX frequent flyers , and I applied and obtained a card for use. After several months of using the card, I received a letter from CHASE that it has " decided to close your [ my ] credit card because we [ they ] are no longer offering personal and business credit card accounts to current or former non-U.S. officials, their immediate families or close associates. '' Not only was this action poorly informed as CHASE did not both to verify my current immigration status in the States, but later action on its part against my family member ( wife ) points to a deceptive business practice under this particular credit card it offers and the promotional materials it disseminates. 

A while after my CHASE credit card account was shut down, after I have accrued over XXXX USD balance I had to pay back to clear the account, which I satisfactorily paid off in respect of my obligation. However, in being not so certain about the soundness of this CHASE action and policy that I called the headquarters to discuss and present my case against, my wife applied for a similar card. She was approved for a card, received it, began using the card ( we did as approved card has option for assigning a secondary card user ), and few months later, my wife received a similar later. Account to be closed on similar ground as was used in my earlier experience. 

CHASE has demonstrated inconsistency in its credit card offering services and practice. While I still doubt the proper application of such policy against me, its approval of my wife 's application presents more reason to doubt CHASE 's seemingly deceptive business practice that seems aimed at putting susceptible customers in depth. 

This practice needs to be scrutinized so that any law or regulations the company is applying will be administered equitably and devoid of what appears to be deceptive features. 

Please assist us address this matter, and please feel free to contact me at my email address or cellular number, XXXX and XXXX. 

Sincerely, XXXX XXXX Disgruntled CHASE Customer ( former )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I had repairs done on my home out of my own pocket, the insurance company did inspections and released the funds to me. I sent checks to PennyMac Loan services because they hold the mortgage. They are now saying they won't release the funds or schedule an inspection so i can finish the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: PA

Complaint narrative:
XXXX XXXX is my loan provider. I have XXXX at 11.875 % rate. I have asked XXXX XXXX to provided me with a full amortization schedule to show how much i would pay every month in interest and principle for the life of my loans. They refuse to do that and refuse to give me the calculation they are using to determine my monthly payments. So for all i know they are charging me more than they should be while going unchecked. This company should not have the ability to charge such a high rate on government funds. They are my smallest loan amount but largest payment. I am barely keeping my head above water with all my debt and i can not do anything else to help my situation. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NE

Complaint narrative:
Reference previously filed complaints : XXXX XXXX Bank refuses to acknowledge the nature of the complaint : PNC can not account for location of IRA CD originally issued XX/XX/1985. Instead PNC references two other savings accounts which have nothing to do with this issue. THIS INVOLVES AN IRA CD ACCOUNT ONLY The original bank was XXXX XXXX XXXX XXXX XXXX. PNC took over the bank. PNC never followed through on the original contract. Per research with other banks it has been verified that the rules for retirement accounts are different than usual savings accounts. 
PNC uses the excuse they have no record of the account. I have the original contract in my possession. Since this is an IRA account PNC has additional rules to justify disbursement this type of account. 
Please note per the contract it automatically renews every three years if the institution does not hear from the depositor. 

My name at the time of the original contract : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated 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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.

Company response to consumer: Closed with monetary relief