vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Pending Company Match
State: UT

Complaint narrative:
On XX/XX/2017, we contacted 1File.org in order to inquire about loan consolidation. During the initial consultation with XXXX XXXX, he was very helpful, but misleading. XXXX told us that the {$280.00} payment that was to be made three times was to go towards unpaid interest on our current loans. After that, our monthly payment was {$46.00} ( {$39.00} toward their fee and {$7.00} toward the loan ). After paying our three {$280.00} payments, they took from our account {$39.00}, not {$46.00}. Meanwhile, we are being contacted by XXXX XXXX in regards to late payment. We found out that we owed XXXX XXXX {$56.00} every month for our consolidated student loans. After contacting 1File, we were informed that the three payments of {$280.00} was a fee and not an unpaid interest payment toward our original loans. In addition, they take their fee of {$39.00}, but then we are responsible to pay XXXX XXXX. XXXX told us that 1File would distribute the {$7.00} for us. Also, I don't know where they came up with {$7.00} as a minimum payment because XXXX XXXX requires {$56.00}. So now, I am paying interest on top of consolidated interest. This is a complete scam. They lie to you and then charge you. This process can be done for free. Why would anyone in their right mind pay {$840.00} to have someone file paperwork for them? They would if they were told that it wasn't a fee but an unpaid interest payment instead. They will try to say that we agreed to everything via a recording, but what they don't have is all of the conversation before the recording where XXXX talks fast and then we respond " yes '' going off of the previous conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: MN

Complaint narrative:
I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX 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 2017-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. <P/>I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. <P/>A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I  began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. <P/>Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. <P/>I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department.

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 2017-06-22 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: AR

Complaint narrative:
Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref 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 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have recently noticed a "  XXXX   XXXX  '' charge on my Macy 's credit card. I tried to cont act Macy 's they t old me to contact another company, but  XXXX  does not have customer friendly hours and I can not get through. I want a refund for all of the months of paying this charge unbeknownst to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed someone to access my credit reports with XXXX and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. It is likely that BOA is the source that has allowed these criminals to act using my credentials. BOA called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. XXXX failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that BOA is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.

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 2017-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.

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 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.

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 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase gave temporary credit to a filed complaint and then reversed the transaction- for merchandise sent back to business but never credited. Chase original claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX allowed someone to access my credit reports with Equifax and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. <P/>It is likely that XXXX is the source that has allowed these criminals to act using my credentials. <P/>XXXX called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. Equifax failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that XXXX is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.

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 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Not sending my bank info to my  XXXX  account app

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
The bank takes several days to share updated checking account balance with activehours.com.

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 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX took my application for mortgage loan starting XXXX/XXXX/XXXX. The underwriting department then sent to chase for approval and they responded with more info needed and XXXX XXXX XXXX gave them what they needed the XXXX XXXX XXXX gave me a 3 day disclousure to close. today at XXXX XXXX. the chase bank according to phone conversation with XXXX XXXX at XXXX XXXX XXXX that chase turned down loan because I filed a XXXX tax extension and both banks knew this and no one was concerned Me and My wife feel that it was a simple case of age discrimination against chase and We did not break any laws by filing a irs extension we still had our XXXX were we made the money but they decided we were to old to by the house so I ask XXXX XXXX to go back to chase and ask why they would not except the XXXX they refused to comment so therefore I think it was because of our age there should be a complete investigation also I'am a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
A pay day loan listed as XXXX,XXXX is listed at Check into Cash on my credit report.I never took out that loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 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: LA

Complaint narrative:
I disputed a company with all three major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all three bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XX/XX/XXXX Equifax verified as my debt, but on XX/XX/XXXX, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the Equifax response of verified. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a CitiCard with Costco, and whenever I try to pay my balance in full, CitiBank puts a hold on my payment. For example, today ( XXXX/XXXX/2017 ), they ( CitiBank ) claimed that my payment for {$1900.00}, posted on XXXX/XXXX/2017, is " out of character '' and late. They claim that they are not using the money for any other purpose, no bank is going to let money just " sit there ''. I suspect that they are fraudulently investing the money for their own gain instead of crediting it to my account.

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