vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
During the closing of my loan, I pointed out to the lender ( XXXX XXXX XXXX ) that they had an error in their algorithm to calculate the property taxes on a newly constructed home. Their formula failed to reduce the total for the 40 % exemption for homes used as a primary residence ( XXXX XXXX County,, Utah ). To preclude re-doing all the closing documents, the lender advised that we could easily fix that after the close. This was in XX/XX/XXXX. After closing, XXXX XXXX XXXX ( XXXX ) advised that they could not change the calculaton until XXXX XXXX County completed there XX/XX/XXXX assessment for values. That delayed the refund until XX/XX/XXXX. ( meanwhile, XXXX continued to bill the excess amounts each month based on their error in the tax calculation. When I received the estimated taxes, I provided that to XXXX and was told they had to wait until the taxes were paid. XXXX paid the tax, but then sold my loan to XXXX XXXX. I contacted Loancare, they reviewed the escrow account after payment and agreed to return a little over {$2000.00} that had been over-collected. That occurred but now, when I ask LoanCare to re-estimate my withholding for the XX/XX/XXXX taxes, I am told that the amont must remain the same, based on what was done at the time of the closing in XX/XX/XXXX and they can not change that until there has been a new tax assessment after the home is 1 year old. That means they will continue to over-bill the escrows until XX/XX/XXXX as XXXX XXXX County asseses taxes in XXXX of each year. LoanCare will then re-evaluate in XXXX and again need to return to me the {$1500.00} or so in excess funds. Seems they would base the monthly withholding on what was paid in XXXX, and maybe increase it by a factor if they project growth in XX/XX/XXXX. The key is that even the new lender is not using the 40 % exemption factor for a primary residence. The biggest issue is with XXXX not following through with their promise to reevaluate last XX/XX/XXXX/XX/XX/XXXXand then selling the loan to LoanCare who in turn continues to use XXXX data from the closing. This is compounded as I purchased 3 properties at the same time. Each one has the same excess being held, so that was over $ 6K in XX/XX/XXXX and will be approx $ 4.5K in XX/XX/XXXXif they do not make the needed changes.

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 2019-01-09 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: Credit Plus Inc
State: NY

Complaint narrative:
Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I was referred to XXXX by XXXX XXXX who I found committed fraud and being investigated by the XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX  XXXX started this whole fiasco, they never paid XXXX and they never placed me in a student loan debt forgiveness program. They did not re-certify me in the Pay as you earn. I struggled to find the right repayment program. I finally found one and XXXX refused to accept the program and told me that I had to pay the amount {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that there was a charge for {$160.00} on my debit card that I had not authorized. It was to a XXXX store that I had little to no history of shopping at. I also was not in the XXXX area that day, making the purchase virtually impossible. 

I immediately called Chase bank and was forwarded to the claims department, where it was determined that my debit card had been compromised. I have been told by numerous people that this is a possibility, even with a chip card, and it is not uncommon for this to happen as a result of using your debit card at a gas station. Chase cancelled the card, said they would be sending me a new one, and refunded the money to my checking account. To my understanding, the issue was solved. 

On XX/XX/XXXX, without contacting me to give an explanation as to why, Chase suddenly withdrew {$160.00} from my account. When I reached out to the claims department, they stated that this was because I lived in the same city where the purchase took place and because the card had a chip it would have been " virtually impossible '' to compromise. Clearly, this was not the case. My card was compromised. 

Not only did Chase refuse to refund the money, they suggested I launch my own investigation utilizing cellphone pings. When I contacted my phone provider, they were unable to provide me with this information. 

I have only filed one other claim with Chase, ever, when an ATM machine did not accept my money and the matter was quickly resolved. The debit card was cancelled immediately after I discovered the error. I have no history of shopping at the vendor. I don't even know what was purchased, nor do I have any receipts to prove it.

Most frustratingly - when Chase pulled the money would of my account, it triggered an overdraft fee. I am currently left without money to buy food, gas, groceries, or anything related to basic needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion for over a year I have protested this alleged account and not once has it been verified in writing to me. I have not received confirmation on how you have verified the alleged account attached in exhibit C for over a year The CFPB has all records of this case, and therfore request that you consider this a final notice to your office s. past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting .there should not be a wait and see response it is factual statement to CFPB to remove alleged account. there is no need for a 60 wait with the documents enclosed I'll give you 5 business day as of XX/XX/2019 to remove this alleged account burden of proof is on my side and violations on yours I have not received conformation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it to reporting accurately.Therefore, you are to present to me with certification in testimony that the alleged account presented in Exhibite C are in fact in compliant and not subterfuge?

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 2019-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

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 2019-01-09 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: CA

Complaint narrative:
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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:
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

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 2019-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This is the Second time this company has failed to refund an escrow overage within a timely manner. They usually take over 30 days, and often what is said is not usually done. XXXX XXXX, loan serviceer for USAA, Has withheld my escrow overage check. The loan closed XX/XX/XXXX ( was paid off XX/XX/2018). I called several times : Tuesday : XX/XX/XXXX- Check was disbursed XX/XX/XXXX and XX/XX/XXXX it was sent out. No tracking number was given. I notified them that I had not received that check only a pay off overage for {$30.00}. No viable resolution was offered. I offered to pay to have it shipped overnight. XX/XX/XXXX another check was disbursed again with no tracking number. XX/XX/XXXX I spoke with the executive resolutions department - XXXX & her supervisor XXXX. I called again today & was told again, The stop payment was approved. I have been promised yet another Date Friday ( XX/XX/XXXX ) for direct deposit this time. XXXX XXXX is certainly doing a disservice to any USAA member. 3months ( when by law its supposed to be returned within a 20-45day time period ) to receive any refund is absurd and this unethical business practice was the sole reason we paid out of pocket to refinance with another lender.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
my check ( XXXX XXXX ) was intercepted with a payee change to an unknown person. Bank of America called me to ask if it was valid because they questioned the check, but it was still cashed after i told them it was not correct. I do not have a BOA account at this time now they will not refund my money after 90 days. the amount is {$6300.00}

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a complaint against Equifax XX/XX/XXXX. They leaked my info, refused to update my name after I had a legal name change, refused to send my Credit report regardless of my sending legal documents to them showing proof of my identity. 

I filed a complaint with CFPB and Equifax FINALLY updated my name and sent me a copy of my credit report. Finally, assuming that my file has been corrected, I have called repeatedly to verify that there is no longer a security freeze on my credit file, only to be told that no one can help me, that I must speak to their consumer affairs dept. I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told at these times that their " Systems were updating '' and they could not do anything to assist me. 

I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX varying between the general customer service line and the security dept. The security dept, after verifying my identity, tells me that they can not assist me because my file has gone to the dept of " consumer affairs '' and that dept is only open XXXX m-f. I ask repeatedly for contact info for the consumer affairs dept and am told that there isn't any, the only way to contact them is to be transferred. I work in an office XXXX m-f. So I called during my lunch hour on XX/XX/XXXX at XXXX XXXX. I am transferred to the consumer affairs dept. I wait on hold for 40 minutes before I hang up and try again. I explain that I am on my lunch hour and have been waiting on hold for 40 minutes. I request someone from the consumer affairs dept contact me. I am told this is impossible. Again, I explain that my lunch hour is over in 15 minutes and I have now been on hold for 45 minutes. The person says to please hold and that they will try to contact someone in that dept. 

I wait for another 15 minutes until the end of my lunch hour, to no conclusion. 

My lease is up on my apartment XX/XX/XXXX and I can not get a new one without a credit check. Equifax is preventing me from getting housing due to their gross negligence and security failure. 

I filed a previous complaint XX/XX/XXXX with CFPB regarding the name change issue. Equifax stated XX/XX/XXXX that they are still working on it, and no update since. How long is this going to take?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GENTRY FINANCE CORPORATION
State: NV

Complaint narrative:
I have recently been a victim of identity theft and as I went over my credit report I came across this account Gentry Fin that I noticed does not belong to me. Identity theft has drastically effected my lively hood and life and im asking that this account that I have no knowledge of or did not open to please be removed and deleted as it has been reported as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
* I took a loan out for XXXX dollars and they are charging me a 63 % interest rate and they are not working with me so I can pay off the loan faster. They are only allowing me to pay off in a short amount of time I would of never signed the loan if I knew how high the interest rate is.

I have called several times and this company will not work with you and make accommodations to get a better rate.

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 2019-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to a bonus offer of { {$400.00} } for opening a new checking account and funding with { {$15000.00} } and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of { {$400.00} } was to be released to the checking account. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus. He said to give them 5 business days and it should be in the account. I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. The customer service agent mentioned my checking account was closed and therefore the bonus was not valid. How does this make any sense? You close the checking without sending me any notifications and then tell me the XXXX that was deposited in the savings was all for not. This is very dishonest. All terms were met for the bonus! Pay the bonus! XXXX XXXX is a very rude customer service agent! 

I called yet again for the XXXX time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute. So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus. I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them again.

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 2019-01-09 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: CA

Complaint narrative:
Equifax is not blocking accounts on my credit report which are fraudulent. I have submitted a FTC fraud report to them, sent an affidavit which the bank requested & sent them numerous letters which demonstrated I was the victim of identity theft. Equifax continues to not comply with FCRA & I believe are willfully noncomplying. There are numerous XXXX accounts reported to my credit report which are fraud & I'd like them removed. The bank has already discharged these accounts internally so I have no idea how they claim they're being verified ... I need these accounts removed from my account at once ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. 
Please Help me to remove my wrong inquire on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: MI

Complaint narrative:
Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.

Company response to consumer: Closed with explanation