vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Hi, I had several consumer accounts that I have had for years that were part of GE Financial Services. GE Financial sold off all of their consumer credit accounts to XXXX XXXX. As soon as Synchrony took ownership of my accounts they began a systematic lowering of all of my account credit limits, and closed without notice at least two of my accounts that had a {$0.00} balance.
When I called to inquire why I was told that my balances were to high in comparison to my credit limits. I explained that they were not in this condition until they had lowered all of my credit limits. They proceeded to then go off on a tangent about my overall credit etc., etc. Even after I have paid off two of their accounts, they continue to chase the balances on my remaining accounts with them. With a tiny bit of research I found that this is a widespread practice of XXXX XXXX, and that I am not the only one that is having their credit score damaged by this practice. I have always paid all of my accounts, and continue to do so. IS there anything that can be done to stop this practice? Thanks, XXXX 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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have attempted to appeal the loss mitigation denial where a letter was sent by EverBank on XX/XX/XXXX. This letter claims that XXXX XXXX is not eligible for loss mitigation because he failed the NPV test. I requested ALL input values used to run the NPV test. In a letter dated XX/XX/XXXX, an EverBank representative, XXXX XXXX, claims that the reason why a loan modification was not offered to XXXX XXXX was because, he failed to complete a subordination package to EverBank. ( A  copy is enclosed for your records. ) This subordination package was never sent to me, XXXX XXXX 's attorney, but should have been sent to me since ALL correspondence regarding XXXX XXXX loan modification has gone through me since he initially applied for loss mitigation on or about XX/XX/XXXX and completed an authorization form for me to speak with EverBank on his behalf. The only piece of correspondence that was not sent to me, as far as I know, apparently was the subordination package. EverBank determined that it was going to stop working with the XXXX attorney, me, even though this case remains in litigation, and deal directly with XXXX XXXX. This is a violation of NYS law and resulted in XXXX XXXX losing the opportunity to modify his loan. EverBank has come up with a new reason failure of the NPV test. EverBank should not be permitted to fail to send the subordination package then force XXXX XXXX to do a completely new loss mitigation application and after years of engaging in attempting loss mitigation, claim that it failed the NPV test when on XX/XX/XXXX, that was NOT the reason why loss mitigation was denied. XXXX XXXX should be put in the position he would have been in but for Everbanks mistake when it failed to send me the subordination package. Further, in this XX/XX/XXXX letter, I was advised that XXXX XXXX loan was denied,... as he did not satisfy all the requirements that would have allowed us to continue our review of this request. Accordingly we were required to provide an accurate reason for the assistance denial ; therefore, we referenced the NPV results from XX/XX/XXXX. Additionally, on XX/XX/XXXX, I requested a payment history of XXXX XXXX XXXX LOAN XXXX and that was never sent. Please send an updated payment history. EverBanks actions and inactions in this case are bizarre. Based upon the foregoing reasons, the denial of XXXX XXXX for loss mitigation was improper and illegal. We are seeking a review of the determination and a response to this letter, a loan modification, and payment history, immediately without further delay. The Consumer Financial Protection Bureau should note that the master servicer for this loan is XXXX XXXX which has a long history of consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: IA

Complaint narrative:
I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: ID

Complaint narrative:
I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, XXXX and Equifax, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because XXXX  and Equifax say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to XXXX and Equifax did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We 've been clients for many years to this PNC branch on XXXX XXXX, Florida and are well know by previous manager and most of the employees. We were always solicited by the staff to get a car loan because we were telling them about our intention to purchase a car. After deciding to go forward with them, most of the employees are now different and new. They sent the application and we received a denied letter from them with absolutely no details on the letter to explain why. After calling the branch, they do n't want to tell us why they denied us even if credit bureau is over 730 and our financial profile is XXXX with no debt, good incomes and good equity. They are now saying that thins has now changed and that they ca n't talk for previous staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: KS

Complaint narrative:
I submitted a letter of request to remove a Public Record from my credit report on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX County Recorder of Deeds that they do not report public record information to the credit bureau. On XX/XX/XXXX I placed a freeze on my XXXX account # XXXX. On XX/XX/XXXX another public record was added to my account. On XX/XX/XXXX after receiving no response, I faxed a second letter asking for information regarding how these accounts were verified. On XX/XX/XXXX one account was removed but the other remained. On XX/XX/XXXX I faxed another letter requesting again for the information regarding how the account was verified since the holder of such account does not report information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
This debt is for a closed account. The company will not submit documentation to owner of the loan ( myself ) with proof of payments. Furthermore, I have documentation ( bank statement ) of a {$3000.00} payment made by the cosigner of the loan in 2014 which can not be located by the company Navient. At this time, I have been requesting for years all of the documentation listed below : Preferably all documentation pertaining to XXXX XXXX XXXX. If for some reason this is too difficult, I 've singled out several key items : Monthly Financial Transactions ( Statements for each loan ) Documentation of Defaulted Status Principle and Interest Payment Documentation for receiving of payment in 2014 Loan Status Marked as Delinquent for XXXX credit status - Requesting documentation of change from Default Status to Delinquent status. Please mail these documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an unauthorized transaction on a business credit card with Chase. I contacted them about the fraudulent charge of {$50.00} ( XXXX XXXX XXXX XXXX Pre-paid Phone ) and they have given me every difficulty in having the charge removed from my bill. I am appalled at their behavior and have never been treated this way when disputing a charge on a credit card before. I have used the card to charge in excess of {$20000.00} of products and services for my business and they have refused to remove a {$50.00} charge because the vendor XXXX XXXX XXXX had " proof '' that someone named " XXXX '' said they had authorization to charge my card for the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is in reply to a previous complaint # XXXX. Much of the reply from Citi was not true. I have the emails and letters I received from Citi. Citi said I did not send all documents requested. I have always returned all documents they requested. I have never taken a month to return documents. They are usually returned within a couple of days and not more than a week .I spoke with XXXX XXXX in early XXXX and I received an email from her on XXXX XXXX. If the underwriter reviewed my file on XXXX XXXX and found documents were missing why were n't these documents mentioned in the email I received from XXXX XXXX on XXXX XXXX when she told me the file was still on the underwriter 's desk and had not been reviewed yet? ( see attachment ). Also in my phone call on XXXX XXXX, I was told by someone named XXXX that my modification was turned down on XXXX XXXX and that a demand payment notice was sent. I never received either of these notices. Our account online was never updated as documents were sent in like it was for our previous modification so we did not know what was needed. Also XXXX XXXX did not advise me of the documents I needed, XXXX XXXX did in an email dated XXXX XXXX. ( see attachment ) And speaking of a delay, XXXX XXXX never answered any of my emails and why did it take so long for him to contact me with the necessary documents I needed to send them when I asked to reapply on XXXX XXXX? I did not receive his email with the necessary documents needed until XXXX XXXX and I had those documents returned by XXXX 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 2017-08-16 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: NC

Complaint narrative:
Fraudulent inquiries.. All inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: NC

Complaint narrative:
Fraudulent inquiries.. All inquiries are not mine.

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 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I was made aware of an investment and checking account with a related NSF for {$14000.00}, that had been opened with USAA in my name and Social Security number from correspondence received from USAA on X/XX/17. Since X/XX/17,  myself and my recovery advocate that I 've been assigned to help resolve this ID theft case, have made over 10 conference calls and mailed and faxed four copies of my fraud packet containing an FTC Affidavit, police report copies of USAA 's correspondence and proof of my ID, Social Security number and address. I have not received USAA 's cooperation or communication back in an effort to properly report and assist USAA with addressing these these two accounts and NSF check caused by ID Theft. This is the content of the cover letter with the limited power of attorney for USAA to communicate with my recovery advocate as well. USAA C/O Financial Crimes Division XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Regarding : XXXX XXXX XXXX XXXX Member # XXXX USAA Investment Account Ending XXXX USAA Checking Account Ending XXXX Per my conversation with USAAs Investigations Department, Ive enclosed a notarized limited power of attorney, FTC Affidavit, proof of ID, Social Security number and address. The above referenced account is a result of identity theft ( ID Theft ) and has been included in the XXXX XXXX Police Department report # XXXX as such. The identity theft case has also been filed under case # XXXX with XXXX XXXX XXXX XXXX XXXX. Im requesting on behalf of my client, XXXX XXXX XXXX XXXX, that USAAs records indicating XXXX XXXX XXXX XXXX identifying information to be coded as ID Theft, as she has never had a relationship with USAA. Also, that USAA inform the IRS of the related ID Theft case and retract all related USAA reports which have been provided to the IRS or other entities. Please forward an acknowledgment of the receipt of this fraud packet and resolution of this matter to ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: GREAT LAKES
State: OH

Complaint narrative:
My {$25000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX were consolidated with my XX/XX/XXXX-XX/XX/XXXX{$10000.00} loans by Great Lakes without informing me that I would be ineligible for XXXX  loan forgiveness in XX/XX/XXXX. At the time I was XXXX on a partial salary and struggling to make payments. My Great Lakes loan was then transferred to XXXX XXXX where I later applied for XXXX loan forgiveness only to be rejected. Now I ca n't get the bulk of my loans forgiven which now estimate at {$46000.00}!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ME

Complaint narrative:
I am currently in a chapter 13 bankruptcy. I have paid my HELOC through my bill pay every month on time. My XXXX payment was refused. I called my bank to ask why and they could only tell me SLS refused it. I called SLS to see if it was an error and I was told it was not. I was told I had to mail in payments even though they have an electronic relationship with my bank because I am past due. I asked them how I could be past due and they advised me my payments changed to almost double in XXXX due to the HELOC resetting. My attorney nor the Trustee were notified of a payment change. My attorney states they are required to notify the court per bankruptcy rules. Now I owe my XXXX payment, XXXX payment and soon coming XXXX payment. I am holding off paying them until the Trustee advises my course of action.

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