vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I use a app called  XXXX . Where I can pay myself early then it comes out of my check when I get paid again.  X/XX/2017    I was paid. It 's my bank, Bank of America that is the issue. They are not sending  XXXX  my recent transactions. I have already sent  XXXX  my timesheet, that was yesterday  XX/XX/XXXX   . Once I send them my time sheet then they let me take out {$100.00}. But for some reason Bank of America is not sending them my information in a timely manner, which is causing delay for my money being put into 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
Consumer complaint received 2017-06-17 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: Credit Karma, LLC
State: FL

Complaint narrative:
Company does not have authority and contract is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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:
In    XX/XX/XXXX  Equifax and  XXXX  placed a collection item on my credit report that is not my account. I filed a complaint with both companies and the item was removed in  XX/XX/XXXX  by both companies. The item was then again placed on my account in XX/XX/XXXX  without my being informed as required by law.
<P/>
I once again disputed this item and XX/XX/XXXX removed it but although I have filed two disputes with Equifax, the last being  XX/XX/XXXX , they have NEVER responded. My credit rating has dropped from   XXXX   to   XXXX  !!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA

Complaint narrative:
I started working with XXXX XXXX in late XX/XX/XXXXwhile I was XXXX. At the time he was working at XXXX XXXX and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXXXX/XX/XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX  county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XX/XX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left XXXX XXXX in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX XXXX program so he 'd given my loan to XXXX XXXX at XXXX XXXX! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. The said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XX/XX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I lost my job and fell into default with my car loan i am a single mother and i really needed my car i asked to try and refinance to at least help me lower the payments the company said no i tried to make arrangements to settle the back payments i owed once i found a job again. Again the company said no. They wanted me to come up with all the money from the  3  payments i was behind. I was unable to so they repossessed my vehicle. Now they are calling me telling me i owe  XXXX  dollars to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: FL

Complaint narrative:
I paid {$2200.00} in interest last year. They reported to the government as being just {$900.00}. You can go through my statements and just add the interest. but on the form XXXX it is not correct. Feels like they are trying to pad what they are actually charging people vs what they send to the Gov. So they dont look like they are overcharging interest. <P/>Keep in mind all of my accounts have been current for the past 4 years. I make plenty of money to over pay these loans every month and I do ( XXXX+credit score ). Nothing is late, yet, upon logging into my account and viewing the documents they are sending to me XX/XX/XXXX i got my monthly billXX/XX/XXXX I got a final delinquency notice??? XX/XX/XXXX another document that says 8th delinquency notice??? XX/XX/XXXX Default notice??? XX/XX/XXXX Account adjusted- They decided to change my due dates without any kind of permission or request so that they matched up? the document does not clearly show what they changed and why. <P/>On all the delinquency material it says payment {$0.00} This makes no sense. I 've never gotten a call. I am afraid they have been XXXX me for a long time and I need help. I would be willing to fund anything I need to so this does not continue to happen to people that are not aware. <P/><P/>Any time I email support I get a generic email back with no way to continue a conversation or respond to follow up. I ask a question. They completely ignore it with a generic response and I am left with no solutions. Im not an accountant by any means so there could be and probably is more here that i am not catching. <P/>Interest seems to be calculated wrong. They forced me into all these forbearances years ago, said that i could not do income based repayment when I had almost no income they just called my cosigners and told them they were going to destroy their credit. It really caused a lot of family problems. My aunt decided to listen to them and take forbearances and now i pay 200 % interest over principle every month!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX   XXXX ,    2017  CFPB :  JPMChase Fore closure Prosecutors for my ARM Loan  XXXX  threa tened to damage my Credit Score, while refusing to divulge my Credit Score to me, in Violation of the  Fair Credit Reporting Act ( FCRA ).   I want JPMChase to provide me, at no additional charge to me,  my Credit Score from every USA organization that provides Credit Scores o n me.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: MD

Complaint narrative:
As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.

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 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was issued a  XXXX  card for my tax check to go on. So we also you for direct deposit for my husbands pauroll. We were staying in  XXXX   XXXX  Tn and the girl we were staying with  XXXX   XXXX  and her boyfriend  XXXX   XXXX  did our taxes on her computer. I found the information downloaded on a few different devices and hand written. She also traded a cell phone which had our info on also to a  XXXX   XXXX  and her boyfriend  XXXX   XXXX . We had it set up to send text verification code so  XXXX  and  XXXX  show up and take our phone home with them and get the code download our documents and return phone next morning. I have had credit inquiries that I 'm not sure about on  XXXX   XXXX  Discover Bank. On  XXXX   XXXX   XXXX   XXXX  and also on  XXXX   XXXX   XXXX   XXXX  also. I do not know if accounts were opened or denied. Please help me figure this out.  XXXX  and  XXXX  specifically said that they would be keeping an eye on our social security numbers. We have already had {$300.00} removed from our  XXXX  card.  XXXX  has made it good because I had documentation where he was working, police report. I just want to see what I need to do to protect my husband and I since at leas t 4 people have our SS #, DOB, thank you for you help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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:
This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a  XXXX  member. I did n't know   XXXX   XXXX   credit took over  XXXX   XXXX . That time I moved my house. I have n't received any statement. I got the letter from  XXXX   XXXX   XXXX  on last month. So, I call that agency, explained everything. He gave me a fax no XXXX and sent to dispute letter. I sent to the letter to   XXXX   XXXX  . I received letter from the   XXXX   XXXX  , Midland funding LLC take care my case. I called Midland funding but no one responded. I refuse to pay interest and late fees. I can pay how much I spent in  XXXX . They do n't accept that. I do n't want to ruin  my credit score. Please help me how to fix my problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LOAN SIMPLE INC.
State: GA

Complaint narrative:
I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the period of  XXXX  and  XXXX  if this year my bank is not updating my  XXXX  app on deposits and transactions I have already authorized this app to have access through my 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 2017-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am  XXXX   XXXX  military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat  ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to   XXXX   XXXX   XXXX     XXXX   shows the account as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

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 2017-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
My payments are due on the   XXXX   of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the   XXXX   of each month enough time for Caliber Home Loans  to process the payment before the  XXXX . I have documentation that shows recent payments were sent to their  XXXX   XXXX   and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the  mail, but it is sent to them and I have no control over how many times they visit the  XXXX   XXXX   . Ev en if we mailed a personal check to them to their  XXXX   XXXX   by their direction, it appears that personal check would not be processed in a timely manner.    I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.

Company response to consumer: Closed with explanation