vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XXXX - XXXX I acquired long-term installments loans concurrently with the following companies : Check N Go, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. 

I struggled to pay the installments for each of these loans and have reached the conclusion that these businesses did not adhere to the laws 1041.5 ( Ability-to-repay determination required ) and 1041.4 ( Identification of unfair and abusive practice ). 

In regard to Check N Go, on some occasions I was allowed to make a partial payment toward my existing installment loan in order to apply for a greater loan. This may fall under the definition of " rollover '', in which is prohibited in California. 

Additionally, XXXX XXXX allowed me to obtain a Payday Loan and Installment Loan at the same time. 

During this horrific period, I was robbing Peter to pay Paul and consequently was stressed beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank closed my newly approved bank account and hold my fund last 3 weeks, stl no sign of my money. 

Chase sent me a letter saying that they have right to close any account without any notice. 

They are doing discrimination on which account close or open. I just don't get it. I did everything chase asked to do, now my $ XXXX is in chase bank pocket and I don't know how I am getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has begun charging a 3 % service fees on transactions I have made with online retailers. The transactions all take place on US websites and are conducted in US dollars -- no foreign currencies are involved at all. When I inquired about the charges with BofA I was told these retailers are using foreign banks to process their transactions. When I pressed them on what additional costs BofA is incurring versus a U.S. bank  the customer reps said they did not know. However, when I asked the retailers about this the retailers claim they use US banks for US transactions not foreign banks for transactions in the US. This has now happened with at least 3 different retailers/vendors that I use. When I used other credit/debit cards for these transactions I am not charged any service fee.

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 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: VA

Complaint narrative:
I receive numerous calls from several numbers with all different area codes 4 to 5 times a day. I have called the numbers back and they all lead back to the same company. They call my cell phone, my work phone, my grandmother 's phone. Today I received an inbox on XXXX, from my ex sister in law from 8 years ago, that someone reached out to my ex brother in law looking for me. I called the number back and it is again the same company. I have never even used him as a reference, the only thing I can think of is that they linked our uncommon last names and asked if he knows me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened the chase total checking account at XX/XX/2019 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I clicked the Open an account button and applied for the total checking account. It shows that the coupon code automatically applied. And I will get {$300.00} bonus if I make a direct deposit within 60 days. Thus, I made a direct deposit at XX/XX/2019, but I do not receive the bonus yet. I have contacted the Chase at XX/XX/2019, they tell me that I do not apply coupon code on my account. However, when I open the account, it shows that the coupon code automatically applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
as this has been going on for a while, i don't have all the dates or actual amounts. 
i went old navy to buy some cloths as a gift ( about {$90.00} ). while i was there, they said i could save 10 % if i applied for an old navy card. i applied for the card, but did not intend to use it. when i checked out, i gave the cashier my personal cc for the purchase and the old navy card for the discount. months later, my mail had caught up to me ( moving ) and i saw i had an old navy bill. i called and questioned this bill right away. turns out, it was the clothes i bought that day. i checked my personal cc and did not see the purchase. this was upsetting as i did not intend to use the old navy card. i was told just applying for the card would give me the discount. i attempted to solve the issue with customer service, but the old navy representative was firm ( rude ) that i had to pay interest and late fees. as i was moving, i was not even aware of this bill nor was i looking for it. i should not have even had it. i feel old navy took advantage of me. 

after going round and round with old navy cust service for months and getting nowhere, i paid the principle only as it is undisputed. i paid the principle as i did receive the items and did not take them back, but the interest and late fees were not paid because i did not knowingly use this card which is the basis of the dispute. the cashier ran the old nave card instead of my intended personal card. 

my problem / dispute is that even after paying the principle and explaining what occurred, old navy continues to charge my account XXXX late fee each month and interest on the entire balance ( which is 100 % late fees and interest ) the total balance as of XX/XX/19 is {$330.00}. this balance is 100 % late fees and interest. this balance increases about {$46.00} per month without any principle basis. 

as i did pay the entire principle amount, i feel the debt should be settled.

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 2019-12-18 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: MI

Complaint narrative:
Transunion continues to report incorrect information. The appear to let XXXX XXXX ( XXXX XXXX ) and XXXX XXXX list incorrect items on my report. 

XXXX XXXX has failed to follow two mandated court orders which I provided proof to transunion via XXXX XXXX. 

XXXX failed to uphold the decision made in the hearing with MPSC " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XXXX https : //www.michigan.gov/mpsc/XXXX XXXX XXXX DTE failed to uphold the decision made in the hearing with MPSC  " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XX/XX/XXXX. https : //www.michigan.gov/mpsc/XXXX -- XXXX I believe I fall into that category as this company has continuously billed me incorrectly. I moved out of my small 1BD apartment on XXXX XXXX in XX/XX/2018, before this I was living with my fiance and barely used electricity as I was barely home. I also completed a stoppage of service using XXXX 's own online start/stop portal. I also have paperwork from my old apartment detailing my exit. XXXX presumably continued to bill even when I was no longer a tenant there. They claim they have no knowledge of this. But I'm aware I can subpoena for their history and I can have xfinity provide me the data of time that I accessed the XXXX portal to cancel my service. I also have proof that they did not credit my account properly as agreed to during the MPSC hearing as XXXX XXXX stated my account hadn't been credited. XXXX XXXX  is in direct violation of a court order and the Fair Credit Reporting Act. I also wish to seek damages XXXX XXXX XXXX XXXX has erroneous reported late payments and has not provided a ledger or responded to our audit to validate this. I have proof via emails and receipts of their negligent nature in regards to billing.

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 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Satisfaction of Lien/Closing Documentation Error This is a request for assistance with our prior mortgage servicer ( Ditech LLC ) about documentation error done at closing. We inquired about corrective action not taken on our Satisfaction of Lien/Closing Documentation by Ditech to date. Weve contacted Ditech, XXXX XXXX XXXX XXXX, XXXX AZ, XXXX, XXXX, Customer Service on two separate occasions. Here are the dates, times and individuals spoken with about this issue : > XX/XX/2018 - XXXX : spoke with XXXX  about Satisfaction of Lien has not been corrected with XXXX 's name ( recorded as XXXX ) > XX/XX/2018 - XXXX : spoke with XXXX  about pay off date ( XX/XX/2018 ) informed her spoke with XXXX  ( XX/XX/2018 ) about Satisfaction of Loan error. She stated task still has not been performed as of this date. 

The attached paperwork clearly states the correct name of " XXXX XXXX XXXX except for the Deed of Release and Full Reconveyance showing her name as XXXX XXXX XXXX recorded with XXXX County Recorder incorrectly. 

We request extremely urgent corrective action be taken and not wait 30 days from the date of this message ( as deemed by CFPB guideline ). We have surpass the 30 days guideline which expired XX/XX/2018 when initially contacted and again XX/XX/2018 as well as have been very patient. We are considered if not already or the very near future XXXX 's credit maybe affected in a negative matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed my checking account with Bank of America on XX/XX/2019, however, I still have a credit card with them open. 

After closing the checking account, it has become impossible to make further payments on my credit card through the desktop online interface. 

I attempted to call them, only to deal with a profoundly incompetent IVR system that would not actually connect me to a human.

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I noticed that my total due amount for this month reduced to below {$10.00} even when my auto pay was set to " full statement balance ''. I reached out to CS via chat and was advised that this is totally fine since I received a credit on my account. I then explained that the credit was not due to a payment made by me but due to a credit from a merchant via return. The CS agent further looked into it and confirmed that anyhow I'm still all set and don't need to do anything. I have screenshots of the conversation that I have attached to this complaint. I logged into my account via desktop and found a message at the top of my account page that my auto pay needs to be adjusted else I will be charged interest. Fortunately, I used sound judgment and changed my auto pay to cover my full last statement balance, opposite of what was advised by the CS agent. Can someone look into this and figure out what's going on? Luckily I had been looking into my account and caught this issue. In the future I would not like this to happen.

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 2019-12-18 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have recently started pay more attention to my credit file and discover that Santander Consumer Usa was inaccurately and incompletely reporting an account.From XX/XX/XXXX to XX/XX/XXXX they have no payment information whatsoever for this account.The vehicle was traded in at XXXX XXXX XXXX between XX/XX/XXXX and XXXX.The company continues to report more late payments to this account further damaging my ability to obtain credit. 
XXXX  report shows date of ! st delinquency XX/XX/XXXX, XXXX  has date of ! st delinquency as XX/XX/XXXX and XXXX  shows the account was closed in XXXX when it was paid off in XXXX.FCRA requires any accurate reporting account to be deleted.I have disputed this account with XXXX  twice and they continue to respond as updated and add more late payments decreasing my score drastically.The XXXX  account history is being reported inaccurately and has been incomplete since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: OR

Complaint narrative:
Please refer to # XXXX complaint on file to CFPB. I am continually getting letters from Key Bank on " late payments '' on my account. In my complaint, as stated in my original complaint, I have not received any documentations, statements, itemizations on my account for 6 plus years yet Key Bank has continually sent me " late payment '' notice every weeks. Throughout the years, I have not missed any payments and yet Key Bank has punished me with " late payment '' notice forb the past several months. I need help. I need clarification on why I'm receiving these notices and the payment structure of the trust deed. Perhaps a sit down meeting with a Key Bank person will clear this issue. Letters sent back & forth will not rectify this issue. 
Please help us correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Social Finance, Inc.
State: NC

Complaint narrative:
I currently have a total of 17 students loans from XXXX and XXXX school. 12 of the loans are currently Dept of Ed. loans, 1 of the loans is with XXXX and 4 of the loans are private. All but the XXXX loan are currently serviced by XXXX. 

I recently have been working to get my credit score up so I could refinance the 4 private loans. My reasons for wanting to refinance are to get a lower interest rate and to remove my mother as a cosigner. I also add that when I was XXXX-XXXX, these private loan companies had no issue lending me this money. 

I have been reaping these private loans since XX/XX/XXXX and been making consistent payments ( never missed a payment to my knowledge ) other than the three years I was in XXXX school and they were deferred. The balance of the private loans is currently approx. $ 35k with a weighted interest rate of apron 8 %. If I am able to refinance at 6 %, my payment will decrease by over {$250.00} a month in just interest. 

I submitted a refinance application with Sofi. I submitted all requested information including my XXXX tax return and my XX/XX/XXXX P & Ls along with bank statements for verification. I am being told that my averaged income for the two years is $ XXXX, which I do not have a problem with that number based on the averages. 

My issue is that they are telling me my income doesn't support a refinance and it is solely related to my income. I was told my payment history is fine and my credit score is fine. They can not lend to me solely based on my income. 

So my main question/complaint is : How can they lend to me at XXXX-XXXX with no income and no credit history, but when I apply for a refinance at XXXX, making the most money I have ever made and the best credit history I have ever had, they don't see me as credit worthy for the loan? Oh, and might I add, the payment that I have been making consistently since XX/XX/XXXX ( minus XXXX school years ), will reduce by over {$250.00} per month with this refinance. So they do not have faith that I will make a {$250.00} less per month payment than I am currently making now. The only sense that makes to me is they are losing interest by reducing the interest rate and they have no benefit to approving this refinance. 

So why not add a cosigner again you ask? well I tried that based on Sofi 's recommendation. To everyone 's surprise, she was denied? The same cosigner who was approved when I was XXXX-XXXX  with substantially the same credit score and income when I was XXXX-XXXX, is now all of a sudden denied when I am XXXX, making the most money of my career.

How can student loan companies loan money at high rates to XXXX-XXXX year olds trying to get an education and then refuse to refinance the same loans when those same students become adults and actually have income and credit?

How is this acceptable?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Caliber Home Loans is my mortgage holder. The issue is, they have taken two monthly payments {$960.00} from my bank account in the same month of XXXX. On their website, once you schedule a payment the system automatically schedules another payment, which I cancelled right away, but they still took it out of my account, which placed a burden on me and my family. I live from pay check to pay check and I was expecting to have money in my bank account to cover car payments, insurance, etc. This is the second time it has happened. It happened back in XXXX and I let it go to cover my next monthly payment, at the time they said they can't reverse it. This time, the XXXX incident, I needed the money to be in my account as I explained, so I called the company and asked them to reverse the payment, I spoke to a rep and she asked my to stay on hold to get a supervisor and escalate the issue, she agreed that the payment should have not been taken out. The phone hangs up while I am on hold, I call back and speak to another rep and they tel me the same thing and to hold, after holding for more than ten minutes the phone hangs up again. I call again, the third time, I explain the situation again, they advised that the payment can not be reversed and that they have issued a check, no one has reach out to me to give me an option. Although, a check will not solve my problem since I need the money in my bank account immediately, but the check has yet to arrive. It has been more than a week. The last rep I talked to advised that she will have hang up on me because of my critical criticism of the company, I told the rep that this was an unacceptable behavior but she was not welling to listen to me just because I expressed my frustration " in a professional manner " with the customer service and their process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an Equifax a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and Equifax. Never hear back from them. I recently called XXXX and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.

Company response to consumer: Closed with explanation