vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XXXX XXXX, 2019, I made a payment from our checking acct in the amount of {$4000.00} through XXXX XXXX XXXX bill pay to XXXX Master card, Barclay Bank and the following day I realized that payment was suppose to go to XXXX XXXX XXXX Visa.  So I called XXXX and asked them to intercept this payment but was told that they couldn't. So I called Barclay bank and asked to return my $ but at that time the payment hadn't processed yet so they couldn't do anything. The following day, I called again and asked to have that money returned to my XXXX account electronically but was told they don't do that but they would return the funds by check and it would take 7-10 days. We were going away so I assumed the check would be in our mail upon our arrival him. XX/XX/XXXX, no check. On XXXX, I called Barclay Bank and asked where my check was and was told it was sent back to bill pay processing company. ( Payment Processing, XXXX XXXX XXXX, XXXX Ill. XXXX ). A case was created XXXX and an investigation began & I would hear back in once again 7-10 days. I then called XXXX and they conference called Barclay XX/XX/XXXX with me and requested they transfer those funds and again was told they don't do that. XXXX  requested batch # of that refund check to XXXX XXXX & Barclay requested proof from XXXX that payment was withdrawn from our account and not returned to that account. XXXX faxed info & on next conference cal XXXX requested transaction # for round check, Barclay-no transaction #, how about a batch #. Barclay was to fax the batch # to XXXX within 48 hrs. Next conference call On XX/XX/XXXX I requested a supervisor from Barclay & she gave XXXX a transaction # of XXXX & they once again were to fax a copy of returned check to XXXX and I requested a copy mailed to me, that would take 15 business days. As of XXXX I still have no answers let alone my funds. I emailed a complaint to Delaware banking commission and am still awaiting a reply. XX/XX/XXXX after a call to XXXX, was told they're still investigating it. XXXX case # XXXX. I expect my funds returned and as I've expressed to both banks that if I'd been late all this time in paying my fees & interest on that amount of money would be astronomical.

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 2019-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed that some of my accounts have not been being updated regularly and have missing payments. Please review and update all active accounts on my credit profile to assure they are accurate

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and Experian credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with Experian, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all.

This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please 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 non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. 

We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. 

We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received a letter from Citi XXXX dated XX/XX/XXXX noting my credit line would be decreased from {$12000.00} to {$2700.00} due to " Serious delinquency '' of the account. This is not accurate since the card has been paid on time and the account was completely paid off XXXX. I have had some challenges this year but have managed to keep this account managed and paid in full. I tried to resolve through the Better Business Bureau however Citi will not address this issue and only wants me to re-apply for a credit limit they reduced for inaccurate reasons ( as well as further damaging my credit score in re-application process with an additional hit on my credit ). Since they are not replying to the XXXX   complaint with reasons for inaccurately noting my account had " Serious delinquency '', I think this may have been an act of discrimination on the part of Citibank and that is why they are not addressing the real reason they took away my credit for inappropriate reasons. This reduction by Citi Cards removing the available balance significantly affects my business plans since I planned to use that card to help grow my business in XXXX. I have worked very hard over the decades to grow my credit and have several accounts with Citi Cards, this one is the most important to me since I established a credit line that gives me security and the ability to grow my business. By drastically reducing my credit line Citi has hurt my personal credit report and credit score as well as negatively affected my future business plans. If this is how Citi plans to treat me on a year in which I have had challenges but have overcome them to pay off this account in XXXX of this year, I will always remember Citi as the company that let me down after decades of giving them business and I will then plan my future credit plans without using Citi for any of my personal, family or business needs. Note : I am not interested in reapplying for credit when I had already spent decades establishing this account credit before Citi drastically reduced the account signally they no longer valued my business.

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 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc.
State: VA

Complaint narrative:
An account was opened with Reliable Credit inXX/XX/2016 The auto loan was for a XXXX XXXX XXXX, we put XXXX dollars down. We never went more than 30 days late, when we called to discuss the payments for some help due to financial hardships the company was not willing to work with either of us on the loan to set something up. I called and talked to the supervisor on different occasions and they refused to work something out.The only option was to pay over 2000 dollars instead of the monthly payment or have the car repossessed, clearly we were having financial hardships and this was unrealistic. We made the monthly payments from XX/XX/XXXX until XX/XX/XXXX, before we ran into financial hardships that made it difficult to make one payment. We could not afford the XXXX dollar payment they wanted us to pay instead of the past due 30 day late payment and the car was repossessed.The car was sold and we are told we still owe XXXX dollars on a car that only cost XXXX dollars. After the car was repossessed we called to try and work something out, instead the car was sold and the company still is trying to charge us for a higher amount the what the car was worth. Shortly after I was XXXX to XXXX and my family had to relocate to a different state. We have since contacted the company to still try and figure out a repayment plan and they told me there is nothing they can do for me not to call them call the debt collector.The negative remarks have been severely impacting our credit scores in a negative way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an authorized user account closed in XX/XX/2019. XX/XX/2019 I had the same account on my Equifax report but it was missing information. The following month more information came off the same account. I paid off everything I used on this account in full every month for one year. The account was with XXXX XXXX. It now it completely blank. That positive account was removed from my credit file with Equifax but is still listed as a positive account with XXXX & XXXX. I want this account re inserted on my credit file with Equifax. My Equifax score is drastically lower than the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
purchased GAP insurance through Wells Fargo. Car was in wreck in XX/XX/XXXX. confirmed with Wells fargo in XXXX that I had Gap insurance and claim would be sent directly to them as soon as my insurance company XXXX sent the police report and claims loss letter. 
recieved confirmation from XXXX in XX/XX/XXXX ( via email ) that they submitted the payment and required documents to Wells Fargo and to expect them to recieve in 7-10 business days. 
continued to receive emails for the next monthly payment, Wells fargo reported to my credit bureau that I was delinquent. 
I have paid every single payment waiting for their GAP department to complete the claim. recieved a call on XX/XX/XXXX from the GAP department stating they never received the proper forms to complete the claim, confirmed with XXXX all documents and payments had been sent. 
Wells fargo refusing to process GAP claim and insisting I own an additional 3 months of car payments until XX/XX/XXXX. I have now filed a complaint with the Office of the President of Wells fargo, my state 's Attorney General 's office ( kansas, XXXX XXXX ) and will be contacting them again tomororw. I have also filed a complaint with the OCC.

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 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We were supposed to travel to Arizona with my wife and XXXX daughters. My younger daughter became very sick and we had to cancel my wife 's and my daughter trip. We purchased the trip with Sapphire Reserve Card which had travel cancellation insurance.We paid part of the price with the points we accumulated. 
I submitted insurance claim including proof that we purchased the tickets, signed form by the doctor and airline cancellation confirmation number. 
Despite this Sapphire Reserve Benefit service continue to require from me the same documents and adding new unreasonable documents that I can't practically obtain including ( see list of documents and my comments below ) : - A letter from the tour provider or common carrier that provides a breakdown of the unused prepaid flight expense, hotel, or cruise ( airline refused to provide me this letter ) - The copy of the Travel Supplier 's Cancellation or Refund Policies ( the airline does not send these policies to clients but we provided to the company airline trip cancellation numbers - see attached ) A copy of your original itinerary which includes the dates of travel, name of travelers and cost of the trip ( i already submitted this document ) The Physician Statement Form that you provided was not complete. Please provide us with a copy of the Physician Statement Form completed and signed by your physician ( I already did multiple times ) Verification from the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier ( ex : airlines, cruise lines, hotels, etc. ) on their letterhead or email regarding any refunds or credits provided for future travel. ( Airline refused to provide this but I already submitted airline cancellation conformation numbers ). 

A copy of your updated itinerary outlining any change fees you incurred to change your trip or documentation from the Common Carrier outlining any change fees you would incur to use your credit at a later date. ( i just cancelled the trip and there is no such a document exists ). 

I strongly feel that Sapphire Reserve asks me for the same documents again and again and asks for the documents I cant practically obtain in order not to pay my insurance claim which is extremely straight forward in its nature : My wife and my daughter had to stay home and Sapphire Reserve has to refund their flight tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: IN

Complaint narrative:
Family members were contacted to get ahold of me. Information was used that is not listed on my account an a non company phone number was listed as the call back for Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have two Chase checking accounts. I needed to make a payment to XXXX as quickly as possible to get money on the card for my child who was traveling. When I authorize the payment to XXXX Card the balance was well above the {$500.00} that I authorized. However Chase allowed another payment to another vendor to go through. On XXXX side they attempt the {$500.00} payment twice before they cancel it, and during this time they don't allow me to make any other payments. Chase is essentially saying that I should have known that the balance reflected on the mobile app is not accurate, that I should have known that an automatic payment to the third vendor was going to occur at the same time and that they can't help me. Essentially they admitted that the balance shown in real time on the mobile app is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: U.S. BANCORP
State: MI

Complaint narrative:
I applied for a credit card on XX/XX/XXXX through XXXX XXXX   branch in XXXX XXXX, Michigan. There were two credit inquires out of which I authorized only one on XX/XX/XXXX there is another credit inquiry on XX/XX/XXXX which I did not authorize. Recently I requested for upgrade of my secured credit card on XX/XX/XXXX through XXXX XXXX  branch in XXXX XXXX, Michigan for which I see a credit inquiry on XX/XX/XXXX but there is another credit inquiry on XXXX XXXX which I did not authorize.

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MILES FUNDING, L.L.C.
State: TX

Complaint narrative:
XXXX XXXX I noticed XXXX XXXX to start to apply my mortgage. My realtor sent all the amendment to her on XX/XX/XXXX. According to the amendment we signed with seller, the closing date was XX/XX/XXXX. But XXXX XXXX said we can not closing on XX/XX/XXXX because we were missing appraisal. The mortgage company should make appointment earlier, but until XX/XX/XXXX, the noticed us that they just make appointment with appraisal company. On XX/XX/XXXX lender noticed me and seller we can closing on XX/XX/XXXX, but we received an email said we need a new appraisal, because the lender not approve the last one. Seller was very mad, because we have changed the closing date twice aready. Seller didn't want to sell the house to us unless we pay extra {$2000.00} to him. The final closing date was XX/XX/XXXX, it was delay 7 days cause us lost {$2000.00}. It was not our fault. I think the reason we delay so many days because the unprofessional mortgage company, the agent didn't do our document on time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Agency of Credit Control
State: CO

Complaint narrative:
" Agency of Credit Control '' just inserted erroneous information on my credit report just over {$60.00} in collections. I have absolutely no knowledge of this account. What's more, the collection is allegedly from XXXX XXXX XXXX (? ), even though I use XXXX XXXX XXXX for my eyecare needs. Finally, they seem to believe this account 's " original '' amount is $ XXXX-something, so somehow they are also trying to collect some form of interest on an account that should not exist in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
We have FHA loan from XXXX, LTV less than 90 %, term for 30 years. 
The Informed Consumer Choice Disclosure Notice states that if the term of your loan will be greater than fifteen ( 15 ) years and LTV is 95.01 % or greater, borrow is required to pay MIP for thirty ( 30 ) years. As the loan was originated after XX/XX/XXXX, and good LTV our PMI should be cancelled. 
We are paying PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. 
We have requested M & T to drop PMI but they don't agree and state it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have 20 % equity build up..

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 2019-04-11 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: TX

Complaint narrative:
I submitted a dispute with Experian on XX/XX/XXXX because they were reporting a negative XXXX account # XXXX on my credit. The account came back verified. So I reached out to XXXX and they did not validate the account according to the laws. So how was Experian able to validate the debt. XXXX sent me an account summary which is not proper validation. I submitted it to Experian on XX/XX/XXXX and requested they remove the account again. They did not.

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I need your assistance with US Bank Home Mortgage. I acquired the mortgage ( $ XXXX, XXXX ) through XXXX and it was sold to US BANK Home Mtg. The current status of my mortgage ( outstanding principal $ XXXX ), home is insured through XXXX and they estimate its value at $ XXXX. I have been paying PMI since XXXX. In the past few years I have been questioning why I am paying PMI ... .US Bank continues to ask for {$500.00} to appraise the home and do not give me the magic number they are looking for ... .just continue to press for the {$500.00}. Since I have been inquiring about PMI, the payment has miraculously dropped from {$87.00} ( XX/XX/XXXX ) to {$48.00} ( XX/XX/XXXX ) .with no explanation. 

Their customer service is such that you get passed from department to department, in a variety of states. I need help in getting the PMI totally removed from my mortgage and a REFUND of PMI for the past year. 

I have written numerous times, and telephoning is quite frustrating as there are so many people that I speak to and they all say different things. 

please 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