vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been in extr  eme financial hardship -- after I pay rent I have only {$40.00} to life on.
I called Walmart/Synchrony Bank and explained the situation ( I have NEVER been late before in over 1 year since I got the card ). T  his was 2 months ago and since then I have been receiving threatening and harassing calls abou  t 12X a day at all hours.
I am being harassed, threatened and intimidated. No one should have to be treated like this -- in addition they are putting on ou  trageous late fees AFTER I called and explained and asked to work out a payment plan.     This is outrageous and is affecting my health.

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 2017-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Applied and approved for th e Citi AAd vantage Platinu m Select Card o n  XXXX   XXXX ,  2017 . The promotion was receive  XXXX  AA miles if I spent {$3000.00} within 3 months of card approval.     Received an email  XXXX   XXXX ,  2017  stating the card had been returned in the mail. Have been receiving other mail at the address normally with no issues.     On  XXXX   XXXX ,  2017 , called int o Citi Custo mer service and asked to have card expedited due to delay, but request was denied citing new credit card accounts can only send the initial card through normal mail. I was then told another card would be sent with normal mail i n 7-10 busin ess days.     Called back aft er 10 bu siness days, on  XXXX   XXXX ,  2017  to see why I had not received a card, and it turns out a card was never actually sent out from the previous call. Once again I asked for the card to be expedited due to the fact it has been an entire month and was once again rejected. Only offered a measly {$10.00} as compensation.     Received another email  XXXX   XXXX ,    2017  saying the card was returned again. Again, I have been receiving other mail normally at this address. I c alled in and decided to change the address to a different one, and escalated to call center manager who verball y agreed to have the card sent with overnight mail, and verbally guaranteed I would have the card at the new address by  XXXX    XXXX   EST on  XXXX   XXXX . I asked for an extension on the spending requirement timeframe for the signup bonus as I have not received the card halfway through the 3 month time window. Was denied a time extension. Was given  XXXX  AA miles as compensation of delay.      XXXX   XXXX ,    2017  I checked the new mailing address and no card was received. Called again to call center and escalated to call center  manager  named  XXXX  with ID #  XXXX .  XXXX  states that the card was sent out via standard mail on  XXXX   XXXX ,  2017  NOT overnight. Blatantly lied to by previous call center manager.  XXXX  said the card should arrive at the new address  in 7-10 busines s days.  XXXX  also denied my request to extend the signup bonus spending time window. This would mean fo r 2 out of the 3 months of the signup bonus time frame to hit the minimum spending requirement will have passed and I would only have one month.      Asked  XXXX  for further compensation and was denied citing I was already compensated with {$10.00} and  XXXX  mil  es.
Citi 's refusal to provide the card in a timely manner and refusal to extend the 3 month time frame to meet the minimum spend  ing requirements for the signup bonus is fraudulent advertising.

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 credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.

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 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I signed up for the Chase Southwest Rapid Rewards Premier Card under a promotional offer for XXXX bonus points as long as {$2000.00} or more was spent during the first three months. On XX/XX/XXXX I was approved for a card. The promotional offer was being run for the entire month of XX/XX/XXXX ( a cursory internet search confirms this -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I spent over the required limit within those three months and assumed that my points were accurately credited. Today, XX/XX/XXXX, I checked my points balance for the first time in the process of attempting to book a flight using points, and realized I only received XXXX points. I am a XXXX XXXX and traveling is something I do infrequently which is why I had n't noticed until now. I called Chase to try and figure out what happened. I was told by both a customer service rep and an account specialist ( AS ) that I was signed up for a different offer ( $ 1000+ spending in three months for XXXXpts ) and that I was not entitled to the XXXX points. I specifically signed up for this card for the XXXXpts offer being run ; the website promotional banners on the page at the time indicated that I the card I was signing up for had a XXXXpts promotion. The AS confirmed that the special was being run during the time I signed up for my card but that it was " past the 90 days to change the offer attached to the card ''. I asked the AS why I would intentionally choose to receive half the points if : ( 1 ) I spent enough to qualify for the larger offer and ( 2 ) if the XXXX point offer was even being run at the time since their was a better deal available. The AS said that unless I had screenshots of the sign-up page from the time I signed-up ( Who would even do that? ) there 's nothing to be done and I will not get a different answer from anyone else.

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 repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would just like the bank to keep you guys updated on my bank statement

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 credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had  a CareCredit Card tha t was not accurate with the terms of the card. After awhile I did not receive a bill or a call from them until later in the year of  XXXX . They sent me a court notice where they are suing me for the remaining balance. Once I answered and filed my reply they again did not contact me. Afte r two months I contacted Care Credit to make an arrangement in good faith but, to my avail they did not  want to compromise and were demanding a large monthly payment after informing me that my account was still in the promotion period. After several tries to compromise with Care Credit I had no success and they are currently trying to sue me. I explained to them that I was no longer employed and struggling to maintain at the moment but, they did not want to accept my offer. I need help in this matter. I received this card in  XXXX  or  XXXX . While employed I made several payments on time and some a day o r two late but, every month my payment was increasing and customer service could not and did not explai n to me why this was occurring. I need assistance in this matter as soon as possible. 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 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.

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 information incorrect
Company: Innovis
State: ME

Complaint narrative:
Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have tracking of when i first contact equifax concerning dispute online stated it would be complete by today 's date i have not received an email or letter in mail about dispute other disputes they disregard and did not look at them next plan of action suing the bureau for reporting inaccuracy tracking number to equifax  XXXX  first attemp second attempt no response  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
SUPPOSED " TRANSACTION '' : Date :  XXXX / XXXX /   2016  Amount : {$490.00}  XXXX  Processor :  XXXX    XXXX   XXXX   ( illegitimately claimed " sale '' through fraudulent website -  XXXX   ) Neither  XXXX  / Continental Finance nor this continually unresponsive " entity '' identified what was   supposed transacted on my card by either them or the associated fraudster.     The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now,  I wake up every morning wondering how this institution ( whom offers  XXXX  different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping  Americans es tablish credit with the  XXXX  major  bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a  kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.

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: Midwest Recovery Systems
State: FL

Complaint narrative:
To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.

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 — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account is n't updated with my   XXXX   XXXX   account in a timely manner.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.

Company response to consumer: Closed with explanation