vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
A QWR and NOE was faxed over  XXXX   XXXX    XXXX   and the lender has not responded. The sale is active while in review for a response to legal challenges. A loan modification packet will be submitted for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is made on behalf of my neighbor,    XXXX   XXXX   XXXX    who is in her  XXXX  's sick in   XXXX   went on vacation last year.  XXXX  is currently and has been for the past months in a hospital. She has asked me to ask her bank  ( Chase Bank ) to print her checks ( she ran out of checks in    XXXX  and can not pay her bills ) and just mail these checks to the secure address currently on file with the bank. THE BANK REFUSES SAYING SHE NEEDS TO CALL ... SHE HAS DONE THIS ON SEVERAL OCCASIONS WHERE SHE WAS PUT ON HOLD, AND ON HOLD, DEALING WITH  ONE  PERSON AFTER ANOTHER .... ALL  XXXX  WANTS IS HAVE THE BANK MAIL HER CHECKBOOK SO SHE CAN PAY HER BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: WV

Complaint narrative:
XXXX   XXXX   XXXX   has harassed me at work stalked me and tried to sue me twice they also told people at my place of work that I wont pay my bills and follow me to car shows and tell people at car shows I owed them money and would n't pay it, for 2 loans that were signed over to someone else back in  XXXX . I bought a car off of a guy with a personal loan and took out a second personal loan for tires for the car. theses were  XXXX  and  XXXX  in  XXXX  I put the car up for sale the gentlemen that I bought it from wanted it back so we agreed he would take over the  2  loans he could have it back. we went to the bank the loan  officer  had us both sign paper work. They gave him a payment book in his name and it was suppose to be out of my name at that point. well he stopped payment on them and     XXXX   XXXX   tried to sue me bank in  XXXX  and lost the law suit. so I thought this was all done and over with. I checked my credit in  XXXX  they were still ruin my credit saying I owed for this loan I  XXXX  they try to sue me again and drop the case after I counter sue for {$5000.00} and court fees. I talked to the branch manager of  XXXX  WV and she told me we can see in the notes where this took place and  XXXX   XXXX  was suppose to be reliable for theses account but we cant find his paper work and we fired the women that done the loan transfer and the gentlemen that harassed and stalked you. they have damaged my credit big time!! because they lost the paper work on this guy is not my problem the loans were signed over to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I needed my online account unlocked, but was told I have to have a PC. I said I do not have one, only mobile, and followed directions to the desktop version on my mobile phone. The directions did n't work and I told the rep that without electronic access, I would need to close the account. I was then told there would be an annual fee and service charges for closing the account. I stated that I had never been charged an annual fee. I was also told I would lose store discounts and could never have another account. The rep closed the account, but I felt threatened and do not know what extra fees I  may  have on my final bill. I do n't think I should be charged service fees for closing my account. I spoke with the company today and attempted to call the corporate office. They have not called back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In  XXXX    XXXX   I visited the  Branch of PNC b ank in  XXXX  to close my accounts. Supposedly everything was done. About a month later, I started getting notice of fees charged. Went to the  XXXX   XXXX , and they initially refused to close the account. Until I stated that I refused to leave, and they would have to get the police to make a report and remove me, the manager supposedly agreed to close all the accounts, refunded the fees, and gave me a handwritten letter confirming all accounts were closed. I still am receiving bank statements as if the saving accounts are open. Basically, they are refusing to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Asset Management Group, Inc.
State: CO

Complaint narrative:
I was contacted by XXXX. XXXX on XX/XX/XXXX. He threatened to sue me and arrest me if I did n't pay off a debt to him. Out of fear, I gave the requested {$500.00} that day, followed by an additional {$200.00} every month following until XX/XX/XXXX. After investigating, I learned this company is a debt scammer, not licensed in the state of California, and not applying the money given toward my debt as verified by my triple consumer report from XXXX. <P/>After canceling the financial information, I received 3 calls that day threatening to sue me once more.

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 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo is not allowing XXXX XXXX access my account information.

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 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
on  XXXX    XXXX   Navy Federal Credit Union  withdrew  {$590.00} from my checking account unlawfully. These funds were protected funds from Social Security. at the time i only had 2 months of protected funds available in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
XXXX   XXXX  Regulated does not have license to practice / collect in Arizona where i reside.      XXXX   XXXX  claims I have an outstanding electric bill.     On  XXXX   XXXX  I received a letter from Contract Callers Inc or  CCI  concerning the  XXXX  account.     I sent a letter to dispute to  Contract  Callers requesting a validation or verification of the bill.     On  XXXX   XXXX  i saw  XXXX   XXXX  put a collection on my credit report.     I called  Contract  Callers on  XXXX   XXXX . Spoke w/  XXXX   .  They told me, that received the bill on  XXXX   XXXX  from  XXXX  and they sent me a letter on  XXXX   XXXX . They told me they had received my dispute ; and noted to me that  XXXX  Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor  XXXX  didnt want to speak to me.   supervisor  XXXX  ext  XXXX .     I called  XXXX   XXXX  and asked to be connected to the Collection department. I was transferred again to  Contract  Callers.       XXXX   XXXX    NOR Contrac t has followed the process of the Fair Credit Reporting Act.   I am by law allowed 30 days to dispute.     The notice i got from  Contract  Callers was received on  XXXX   XXXX . I responded to the company prior to the 30 day limit.      XXXX   and/or Contract  Callers have violated the law.

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 2017-06-12 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: NY

Complaint narrative:
On XXXX/XXXX/XXXX, I was charged a late fee of {$30.00} on a balance of about {$600.00}. I was not able to make a payment online due technical problems of Comenity-Overstock 's website. I called the customer service center on XXXX and paid my entire balance in full ( minus the late fee of {$30.00} ) as the representative on the phone informed me that the late fee will be waived. On XXXX/XXXX/XXXX, I was charged a late fee of {$27.00} and subsequently a minimum charge of {$2.00} due to the {$30.00} late fee balance that I did not pay. On XXXX/XXXX/XXXX, I reached out to customer service again, this time via the message center. On XXXX/XXXX/XXXX, a representative responded saying that they have credited the {$27.00} late fee and {$1.00} minimum charge ( not sure why not the full {$2.00} ).  They did not address the {$30.00} late fee from XXXX/XXXX/XXXX that was supposed to be waived as well. On XXXX/XXXX/XXXX, another {$32.00} late fee and {$2.00} minimum charge was assessed once again on that {$30.00} late fee balance. I reached out to customer service again via the message center, but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is an account reporting on my credit report from  Capital One . I already contacted then and the credit agencies to let them know someone was using my identity to open accounts in my name. But the account still remains. I did not open a  Ca  pital One  account or purchase a car with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
In the Spring of  XXXX , I discovered from a colleague that, because we worked at a nonprofit organization, I was eligible for a ten-year payback plan, in which the government would forgive my loans after  XXXX  years of service and continuous monthly payments.  SallieMae  informed me at the time that I was ineligible for this service.     In Spring  XXXX  when I heard again that I should have been eligible, I called  XXXX . They informed me that I had to contact a separate agency who would enroll me in this process. However, none of my six years of payments would count toward then  XXXX  years.     Now this spring, I heard that there was a class action lawsuit against Sallie Mae/  XXXX   for the inaccurate information that they gave me in  XXXX .  Sallie Mae /  XXXX   has recordings of these phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: FL

Complaint narrative:
On  XXXX  vehicle had severe engine miss. Went to   XXXX   XXXX    XXXX    XXXX   for repair. Charged {$440.00}. Car continued to miss, went back several times but car never repaired.Poor service as they did n't care. Went to other garage and notified that alll spark plugs were mis gapped plus an installation of a broken spark  plug.Advised Visa  not to pay because of dispute and sub standard workmanship.I would get form letters that action will be taken in thirty days., Further, after some time  XXXX   XXXX  knew I paid {$76.00} extra on only  one  bill of several invoices, to further repair car. so they sent check {$76.00} to close dispute and guilt of negligence fraud and liability.  XXXX  has ignored these facts to date and have not issued proper credit in this dispute >

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On  XXXX  I filed a claim with the insurance company  (   XXXX   XXXX   XXXX   XXXX  ) which handled the insurance for  Select Portfolio Services Inc  .  the funds for the damages where sent to  SPS Inc.and  my name., seance  XXXX    XXXX  , I have tried to SPS realize the funds to fix the dueling but as today is been a run a round., I have spoken to the loss draft department with  XXXX   XXXX  to this number  XXXX  she has requested contracts, inspections etc. all has been done but she does not realize the funds to fix the house.,  Claim  #  XXXX   Loan  #  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 2017-06-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have advised the company over and over again that the below accounts are reporting inaccurately- Equifax  advised  that the information came back verified to me. I asked method of verification and have yet been provided that information. I also informed Equifax that the other  2  bureaus have deleted the following accounts due to reporting inaccurately on my credit report and not showing my true credit report. i also included proof when i sent this information over to them. Equifax stated that  XXXX   XXXX  verified my name dob & address when that is infact incorrect- They have a complete different name and address/ address that i never lived at or heard of this person. Documentation was sent over to them confirming per frontier that was provided that the account was open fraudulently with my ssn!  XXXX   XXXX   XXXX  has been removed from both credit bureaus due to reporting inaccurately the balance is 100 % incorrect and has not changed for 2 years & is completely incorrect and is now reporting late when the account is not THIS NEEDS TO BE REMOVED ASAP!!   XXXX   XXXX       XXXX   were both deleted from the other credit bureaus for reporting inaccurate information as well.. the accounts were never paid late!! Due to reporting inaccurate information on my credit report EQUIFAX is completely incorrect and needs to reflect my TRUE credit report!! and complete a intensive investigation. and provide me documents that were used to verify that the creditor is providing to prove that the account is reporting correctly Equifax is not providing my TRUE credit report which is not allowing me to proceed with the buying of my home.!!   They are in violation of the FCRA!!!!       Also they have my name as  XXXX   XXXX  which is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GEORGE MASON MORTGAGE, LLC
State: VA

Complaint narrative:
For the past two weeks I have been trying to work with XXXX XXXX to acquire a mortgage. We originally went to George Mason Mortgage to get a XXXX to XXXX loan. We ran into difficulties because of not being able to verify my wife income. So we reduced the amount of the loan and decide that only myself would apply for the loan. XXXX does not like the much lower amount of XXXX. Since that time he has refused to help any longer. He says even though my wife and I have separate credit account and debts that because I am married to her I must claim all of her debt. He also has told me that I can not claim my two years of XXXX income but I have to claim the business debt. I have successfully completed the HomePath Ready Buyer  which is an associated compensating factor which allows for 50 % DTI when using XXXX XXXX XXXX loan. XXXX has said there is not such program. I have asked XXXX to correct his income calculation because as guided by XXXX XXXX rules automobile depreciation claimed on Schedule C needs to be added back into the cash flow calculation. He said there is not such rule. XXXX is also basing his decision on a flawed credit report and has implied that I am lying about the errors. I have asked for a rescore but he has refused. I am also a person with XXXX so I ask for a simple accommodation of meeting in-person to review the documents and to work on the issues, and they refuse to provide me with this simple accomodation.

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 2017-06-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

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