vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Iv got a Best Buy Credit card And on my last month on paying off on XX/XX/2016I payed the full amount of under {$100.00} at the store then couple years later iv decided to purchase a car from the dealer and they told me your Credit score was low because you missed 60 days on your Best Buy credit card payment which I strongly believe is not true

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 2018-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed dispute with Chase regarding about HELOC mortgage last month. I have tried to call them to resolve issue but they keep saying has no information. They mailed me letter saying that they charged off mortgage in XX/XX/2009. Over 9 years, they never sent me any information and I cant believe that how good they are : (. I filed bankruptcy and want to sell my house through the bankruptcy but it was so hard with Chase and they dont give any information and now time consuming and I want to know why they charged off and I paid for tax cancellation long time ago and they still asked me to pay and not release mortgage. They are confusing me. All I want they need to let me know what they want to do. They were cheating while they gave me HELOC loan even though during that time I did not have job or cant pay it and they still give me loan and end of I cant pay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I applied for a loan on XX/XX/XXXX. I was told that I was pre-approved for a loan of {$10000.00} & I just need to upload the necessary documents.. I uploaded paystubs, bank statements, give 3 way party verification to another party so they can verify this information which they did. On Wednesday, I was called and asked if I could provide 2 additional paystubs, which I did. Then I was asked if could upload 2 months bank statements which I did on XX/XX/18, I never got word again. I went online to the site on XX/XX/18 and it said my application was closed out. I called and said I never received any information on my loan application after I gave all my personal information. They said they emailed me, but I never received an email from them. The would not tell me why it was declined. I work in lending, & this is not how you " Adverse Action '' a customer. Now what I want to know, after giving them all the information that they requested in the form of paystubs from my employer ( which is direct deposit, bank statements with XXXX & 3rd party verification, along with Social Security # & other personal information, how did they come to this determination. Why are the collecting this data in the first place if they are going to decline a customer. 3rd ) What are the reasons. 1 ) It can't be credit & 2 ) It can't be income & 3 ) It cant be  documentation. So what kind of scam is this company running. I want answers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: DISCOVER BANK
State: MI

Complaint narrative:
They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: NE

Complaint narrative:
TU # 6 XX/XX/XXXX file complaint TU # 5 XX/XX/XXXX sent, XX/XX/XXXX response dated XX/XX/XXXX - no changes TU # 4 XX/XX/XXXX sent, response, dated XX/XX/XXXX - deleted XXXX XXXX, no other changes TU # 3 XX/XX/XXXXsent, response, dated XX/XX/XXXX - no changes TU # 2XX/XX/XXXX sent, XX/XX/XXXX no response TU # 1 XX/XX/XXXX sent, XX/XX/XXXXresponse

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 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I got divorced XX/XX/XXXX as part of the mediation I was awarded the house. I was to refinance the house and my ex-wife was to receive XXXX  dollars upon new mortgage. She signed a quick claim deed and waved all rights to the home. In the refinance I was to pay off the old loan which I did so her name is off and the new loan only in my name.

I closed on the new loan with 3rd federal on XX/XX/XXXX. The old loan was paid off within a couple of days and I was sent a escrow check with My name as well as my ex-wife name on it. I called up to complain since I have no idea were she is and no one that we new has heard from her.

They said they would re issue the check only in my name. Another month went by and I got another check made out in both our names. So I called back and asked to speak to a manger. They told me they would reissue the check only in my name. I didn't receive a check so I called again and they told me the check was sent out and was in both our names again. So I asked to speak to the manager. They told me the check wasn't sent out.

Now they connected me to another supervisor and they said if I sent in my mediation papers plus the signed order from the judge and the quick claim deed they would issue the check only in my name. So I did that that the week of the XX/XX/XXXX.

I called today XX/XX/XXXX to verify the status of my check and they gave me the same story that it could only be issued in my name.

I have no way to get in touch with my ex so they told me to reach out to her family. Well her family consist of her XXXX  year old mother in XXXX who does not speak English and I have no phone number. So basically they will just attempt to keep my escrow.

All the money in the escrow account was my money. My wife left in XX/XX/XXXX she did not pay one penny into the account in which the mortgage payment was paid out to loancare.

Also when they had XXXX of my money they did not pay my flood insurance on time and my homeowners insurance on time so both were canceled for non payment. They also dragged the heels on paying the taxes until I called up. All the time sitting on my money that I paid in.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a copy of my credit report from EQUIFAX. 
The credit report showed a fraudulent account that I did not applied for. I have asked Equifax to remove this fraudulent accounts that they are reporting on my credit file. to this day Equifax has fail to remove this fraudulent accounts in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have send a copy of XXXX XXXX XXXX Police Department Fraud Case # PD XXXX I have asked Equifax to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX sent me an email to get approved for a loan. I was approved for {$1000.00} on Monday, XX/XX/XXXX but accidentally gave them the wrong routing number due to the fact that my bank had changed names from XXXX XXXX XXXX Bank to XXXX XXXX XXXX Bank so I thought the routing numbers had changed. I discovered this on Wednesday, XX/XX/XXXX when I hadnt received my money. I called them right away and corrected the routing number. They told me that they would wait for it to be rejected by the wrong routing number bank ( XXXX XXXX XXXX Bank ) and then resend to the correct routing number bank ( XXXX XXXX XXXX Bank ) when it came back to XXXX XXXX XXXX. I received a voicemail from XXXX XXXX XXXX on Friday, XX/XX/XXXX to call them to verify my bank account number and routing number. I called them and spoke with a XXXX who then called my bank with me on the phone. She verified my account information with my bank. She then stated that she needed to call her underwriting department. She did just that and came back on the line and said the loan had been denied. I asked why and she said that I would be receiving an email with the reason. I received the email several minutes later. It states that they could not verify my bank information?? I then tried to talk to a supervisor but she just made more excuses. In that time frame on Friday, XX/XX/XXXX I also received another invitation to sign documents for another loan from XXXX XXXX XXXX. Which was also denied. 

I want to pursue this legally. I feel what they did was illegal and was discriminatory. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We have a reverse mortgage that was sold to XXXX  XXXX in XXXX, XXXX last year. On XX/XX/XXXX our home was severely damaged by a tree that fell during a high wind storm. We contacted XXXX and received a packet of forms which we had to complete and submit including instructions that all home repair checks from our insurance company would come made out to us and XXXX. We were instructed to sign any checks and send them to XXXX. The amount of the first insurance dispersal was {$43000.00} which represented the actual cash value from the XXXX insurance estimate. We have replacement cost on our homeowners and XXXX procedure is to reimburse the balance after the work is complete. XXXX told us they would take 5-10 business days to process the paperwork and would then send us a check for only {$40000.00}. We were told that XXXX uses regular mail to send the check unless we provided a paid overnight USPS envelop. XXXX received the forms onXX/XX/XXXX and check on XX/XX/XXXX. I called XXXX Draft Loss Customer Service on XX/XX/XXXX and was told that our paperwork had not been processed. I called again on XX/XX/XXXX and the customer representative told me he would review the paperwork at that time, which he did and told me we would receive a check in 3-5 business days as he was approving our paperwork but it takes XXXX that long to disperse the check. I called again today XX/XX/XXXX and was told that no check was dispersed because I needed to provide additional paperwork. This was the first that we were told of any additional paperwork. I explained to them that they are holding only the first insurance dispersal, that they had all of information since XX/XX/XXXX and that our General Contractor has been working 2 months with no money. I have provided the additional information today and was told again that it will take 3-5 business days plus the extra 2 days that it takes for USPS to send mail to XXXX County MD from XXXX, XXXX. XXXX should not be allowed to hold this money, should provide EFT money transferal, and owes me interest on the money they have held. It is outrageous with computers that it takes XXXX this long to process and disperse a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received Workers ' Compensation Via Workers ' Comp Judge Order XX/XX/XXXX ( XXXX  XXXX ) {$10000.00} check XX/XX/XXXX & opened a Bank of America Savings Account on XX/XX/XXXX to acquire multiple accommodations necessary for Workers ' Comp Judge Ordered XXXX scheduled for XX/XX/XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX   daily for 2 weeks. 

On XX/XX/XXXX BOA wrongfully and/or negligently allowed {$8200.00} of these Workers ' Compensation Funds to Levied by a near 10-year old creditor ( whom in the past I've had to acquire Civil Restraining Order Against for stalking and harassing me due to obsession and threatening to shoot me with his gun ) with a judgement. 

Code of Civil Procedure 704.160 Exempts 100 % of Workers ' Compensation from this type of Levy without having to file Exempt ; yet I had to file Exempt on XX/XX/XXXX after multiple attempts to point out unlawful allowance of Levy by BOA Legal Department to no avail even after Faxing BOA Legal Dept. Exempt form filed, details of CCP 704.160, and a BOA Branch Manager calling them on my behalf. Clearly, BOA Legal Dept. Associates are giving me the run-around holding money causing me Dire hardship including having to cancel XXXX & risk losing authorization after over 2yrs of fighting to get it XXXX  XXXX payment necessary for scheduled XX/XX/XXXX XXXX & XX/XX/XXXX XXXX authorized.

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 2018-04-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX we travel at XXXX and buy 2 medicines, merchant try to charge all under my XXXX XXXX credit card XXXX XXXX and XXXX within 5 minutes, the XXXX XXXX go thru and XXXX XXXX blocked for suspicious. My husband use XXXX  credit card issued by Bank of America. After merchant charged us the card and give us merchandise at a XXXX bag. Tours guide rush us back to tours bus and go. We did not find out we have wrong products until we back to United States when we try to take the medicine on XX/XX/XXXX. When we open the bag and see that's compressor candy instead of medicine, I immediately wechat my friends at XXXX to get hold with merchant, on the other hand I also use the site at box to contact merchant for what's going on.. then found out the site is not valid. XX/XX/XXXX my friends chat back that no such phone number. I also see article at XXXX when searching name of merchant then find out they scam people at XXXX already. So I immediately contact both XXXX XXXX and Bank of America to dispute the payments. XXXX XXXX stop pay the merchant ; BOA denied our dispute and excluded when I request re-open.BOA denied " no proof or tracking for return '' ( but I am unable to ) and excluded as '' this is face to face purchasing '' if we did not inspect product before left, its our mistake. I feel like we did not get protect by the bank and now bank force us to pay scam merchant for the fake product.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This process is a result of a Joint Credit Pull for a house and we found out about this ... .On XX/XX/XXXX, I, XXXX ( XXXX ) XXXX , started a validation process with SEARS/CBNA in reference to account # XXXX and sent them a Certified Letter asking for validation of debt within 30 days ( Exhibit A ). I didnt receive a letter from SEARS/CBNA, therefore, on XX/XX/XXXX, I sent a final goodwill letter attempting to clear up the matter ( Exhibit B ). I did received a letter dated XX/XX/XXXX from SEARS/CBNA, also known as Citibank, stating that the debt was sent to an collection agency, XXXX   XXXX ( Exhibit C ). A letter was also sent to XXXX XXXX and their attempt to collect debt stopped. After receiving numerous letters from a new collection agency, XXXX XXXX, a letter was sent to them to validate debt on XX/XX/XXXX ( Exhibit D ). A letter was received from XXXX XXXX stating they were forwarded my letter to Citibank for review and suspending all collection activities ( Exhibit E ).

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