vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MT

Complaint narrative:
Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments. 

Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX  In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of. 

Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Earnest money {$1200.00} XX/XX/XXXX Inspection {$300.00} XX/XX/XXXX Appraisal {$450.00} XX/XX/XXXX Repair on the house that they told me I have to do it before the closing {$480.00} I call them and complain about what happen with the company. homestar financial corporation Georgia I told them that the loan officer XXXX XXXX branch manager of XXXX Georgia mis lead me. He told me I was pre-approved for {$150000.00} but never gave me a pre-approval letter or denial letter. After 7 months working with him he tells me I cant buy the house because I was never approved. So he told me to sell my car XXXX XXXX XXXX and he would give me {$2000.00} credit. He made me a fake bill of sale letter saying I sold a car I told him I got {$5000.00} cash for the down payment. He told me I cant used cash its got to in my bank account thats how he came up with the fake bill of sale. I have the text showing that he tells me to sale my car and tell me about the fake bill of sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I called XXXX XXXX on XXXX XXXX, XXXXto get clarification about why my number of payments toward forgiveness was inaccurate ( it is about 6 payments short of the correct number ). The representative stated that  the payments I made through my previous servicer had not been transferred over. She stated that she would put in a ticket to have this issue resolved, and that it would be corrected in 30-60 days. 60 days later ( XXXX XXXX, XXXX ), I checked my account and the issue was still not corrected. I spoke with another representative, who stated that it could take up to 90 days and that I should call back in 2 weeks and request it be expedited if it is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
I have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.

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 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NV

Complaint narrative:
I am {$35000.00} in student loan debt. XX/XX/XXXX, I  signed up for student loan forgiveness with a servicing company : XXXX XXXX. 
I was told my loan application for the Department of Education will be sent off for student loan forgiveness and I would be charged a {$190.00} fee for the initial start up. 

After, I would pay {$49.00} monthly, to have my student loan account oversaw at all times. 
I have since found out XXXX is a scam and a dishonest company. 
I have called them to cancel and they have told me I can not cancel and have to pay the full amount owed to them, to settle payment. 

They took out a {$49.00} fee from my account XX/XX/XXXX and XX/XX/XXXX. 

The initial company that contacted me with XXXX has told me several times they sent XXXX a cancellation email regarding my account. The latest time was XX/XX/XXXX. EA has continued to send me emails stating my payments are passed due and if I do n't make payments soon, they will put derogatory marks on my credit score. 

I realize that student loan consolidation is something I can do on my own and they do not get student loans forgiven, as told. 
I am awaiting to hear back from the initial company to confirm XXXX 's response regarding my cancellation. However, the initial company told me if XXXX cancels my account, I will still have to contact them about cancelling my finance contract. I will still owe XXXX and this will affect my credit. 

I want to know what my options are. I am not letting XXXX get away with scamming individuals. I see their reviews online and they ALL express the scam in this business. 
What business emails clients and threatens them?? 
This is absolutely absurd and I do not believe I should be penalized for wanting out of a scam. This company needs to be shut down and legal action needs to be made against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!

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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX 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 2018-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite many requests XXXX XXXX XXXX refuses to discontinue reporting in accurate information caused by ID theft in the closure of a credit card to Experian and other CRAs. 

When my credit card was ran up I made the request to issue another one and although the balance was still paid by myself on the first card it reports as maxed and that I have to open accounts which is not the case since I only have one. This of course causes a huge drop in my credit score and both parties seem to have refuse to correct it

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 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
no data for XXXX thru XXXX..What happen between XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
no data for XXXX thru XXXXWhat happen between XXXX and 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 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: GA

Complaint narrative:
I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans.

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 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit 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 explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # 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 2018-01-02 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: CO

Complaint narrative:
My complaint is with Chase Cardmember Services and their Executive Office. 

Looking back, I made several transactions with my XXXX Chase credit card last XX/XX/XXXX to get cash to give to a foreign company called XXXX XXXX XXXX to make binary options trades for me. Since I did not have any cash on hand for these trades, I obtained cash from four of my credit card companies for XXXX XXXX XXXX to use to make the trades for me. The four credit card companies were Chase cardmember services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debit card visa. 

When I realized that I was part of an elaborate scam ( I only realized this in XX/XX/XXXX ), I began contacting the card companies to let them know that I was part of a scam, and to tried to get them to give me my money back. Two of the banks ( XXXX XXXX XXXX and XXXX XXXX ) agreed with me, and credited my accounts for all of the transactions I made through them. 

However, Chase Cardmember Services and XXXX XXXX XXXX XXXX listened to my dispute, but WOULD NOT give me my money back ( see attachments from Chase ). 

They said that since the transactions ( {$33000.00} cash credit card transactions ) had occurred more than six months prior to my dispute, they would not credit my account. 

XXXX XXXX XXXX XXXX has also rejected my dispute and they have failed to give me my money back. I made a {$1700.00} debit card transaction with XXXX XXXX XXXX XXXX and a {$50000.00} wire transaction through their bank ( when I cashed-in a {$50000.00} annuity from XXXX and deposited the money in XXXX XXXX XXXX XXXX ). 

I have filed four separate disputes with Chase and each one has been rejected. The dispute with XXXX XXXX XXXX XXXX is still pending, but they have indicated that they will reject it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: AZ

Complaint narrative:
On XXXX-2017 I was notified by my credit monitoring service that my credit score had dropped. I checked my credit report and found that a company called XXXX XXXX XXXX XXXX XXXX Has posted to all three credit monitoring companies of a deragatory nature about a debt they are trying to collect. 

I have received no written, telephonic, electronic or oral communications in regards to their efforts to collect a debt from me. Furthermore I have found that the original creditor sold the debt to this company. I emailed the company and informed of all of this information and have asked them to close the account ( since they bought the debt, it has been paid and I am no longer obligated to pay it to the original creditor. Original creditor has since written off debt on their taxes. ) and I have not been contacted by the company. 

I have sent in dispute letters to all three credit bureaus explaining the situation and requesting the information new removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

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