vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.

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 2018-05-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN ADVISORS GROUP
State: LA

Complaint narrative:
My husband took out a reverse mortgage in order to get the mortgage they made us take my name off his wife because I was not XXXX which we did, my husband died ion XX/XX/2017, they started Forclosture on my home and it is set up for Sheriff sale on XX/XX/XXXX which my husband hasnt been dead a year yet, Ive tried to at least 10 times to allow me to get it in my name I am XXXX now Ive had NO success at all they are trying to take my home which I live in with a XXXX XXXX child, we owe {$97000.00} and home is appraised for {$200000.00} their is no communication within the company and I have spoken to over 10 different people and no one is helping or trying to help, I thought with an reverse mortgage they would at least Attempt to work it out. I am frustrated and they dont care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XXXX-XXXX of 2018 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase was a company I used to buy crypto currencys. They charged my account for crypto I didnt receive so I did a chargeback on my bank account. Ever sense then my account has been locked up and that was back in XXXX or XXXX of 2017. Ive called many many times but they just keep saying my account is being looked at. I have money sitting in my account that I turned into actual dollars not crypto currency. But because of my account being locked up theyre just holding my money illegally for months now. I want it back and they arent doing anything to make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I was informed today XX/XX/18 that I have had a debt held in colllection for 5 months. Today was the first time I had heard the debt existed. I was also not informed that I had a right to dispute. As a result I have 5 months of bad credit reports. According to the company they had sent letters to me since XXXX. They were using an address from XXXX XXXX, who had the wrong box number. I never received these letters. They also said they attempted to call me in XXXX. I do not answer numbers I do not recognize as I receive a lot of telemarket calls. Today was the first time they left a voicemail. I responded immediately. I find their claim of contact very abusive. 

The debt originated from my old apartment run by XXXX XXXX. I had paid a cleaning fee before moving out of the apartment. They had said that the damage in the apartment required additional money. I requested proof as the pictures I was given looked the same as when I had left indicating that the original cleaning fee I paid had not been used. Additionallly, the water heater exploded months prior due to a contractor used by the apartment when fixing a leak that caused a majority of the damage. I sent them a letter contesting their claim. I never received anything back from them. No email, mail, or phone call. I would like the original claim removed and once again the charges on my credit score resolved.

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
applied multiple times for credit line increase XXXX XXXX continues to deny me great long standing with the company other credit cards limit as high as XXXX but XXXX XXXX remains at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Was charged 18 months of interest, on snowblower that was sold to me as being interest free for 18 months then if we still had a balance after the 18 months I would be charged interest on the balance after that, tryed working this out was told pay the {$1000.00} for snowblower today and they would save me some of that charge, and that when I would pay my payment every month that I should have told them to take it of off the old balance first, so since I did not do this its my problem and owe them that {$560.00} interest, and I could close the account if I didnt like these terms, and could never have a account with them again THIS IS HOMEDEPOT CARE OF CITIBANK

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX  in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX  only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until XX/XX/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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.

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 2018-05-15 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: CA

Complaint narrative:
A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor. 
I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.

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 2018-05-15 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: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.

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 2018-05-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records

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 2018-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.

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 2018-05-15 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.

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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
- XX/XX/2018, I received word from my bank that they needed to check my credit report through Experian in order to move forward on a loan. I went online to Experian and temporarily removed the freeze on my credit report and my husband 's report that day. I received email confirmation that both reports had been unfrozen. -XX/XX/XXXX, I received word that the bank was able to get my husbands report, but not mine. I again went online to Experian and removed the freeze on my credit and again received email confirmation. The bank continued to be unable to access the report, so I called Experian where I was put on hold for 45 minutes. The first representative I spoke to again put me on hold. 30 minutes later the second representative answered. Despite explaining that the bank was unable to access my info the representative insisted that the freeze was temporarily removed. The bank again checked, and they were not able to access the account. I called Experian for the 3rd time and the representative then told me my account was going through " report maintenance '' and being " updated ''? and that they would be able to finish updating in 24 hours. I asked to speak to a supervisor and was told " he was in a meeting and would call me back '' I have not yet heard back from the supervisor.

-The representative also confirmed my concerns that when one has multiple checks on credit, your credit can then be negatively affected! There have been multiple checks because EXPERIAN HAS FAILED TO DO THEIR JOB ... this is not my fault, nor the bank 's. 
-The problem with all of this is that the bank needs the info by XX/XX/XXXX! I don't understand why my information, that I unfroze isn't immediately available to the bank. Because of Experian 's inability to provide MY information, I may be losing a loan on the dream home I'm ready to buy! Experian 's incredibly poor customer service now has affected my credit, my ability to purchase a home.

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 2018-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Wanted to do a cash out refinance with Freedom Mortgage talked with XXXX XXXX and he wanted to pay off all my credit cards and other loans.All I wanted to do was get money to replace all my windows in the house as they were old and needed replacing. He said I would need a VA appraisal, Termite letter. and water well test. This I had done. Then He wanted to do a 15 year mortgage at twice what I was paying plus I would need to pay points to get close to what my rate was. I have a 3.625 % rate now he would get me a 3.865 % rate. by now I have spent nearly {$3200.00}. He received the VA appraisal and said I needed to do some repairs on the house nearly {$20000.00}. I said I was XXXX XXXX XXXX ( XXXX  XXXX ) and on a fixed income and could not do the repairs. He said what if I found a company that would do the repairs and pay after closing. I said that would be great. I never heard back about the repair work and two day later I received a e-mail that if the repairs were not done by the XX/XX/XXXX of this month they would withdraw the finance offer.Now I have lost {$440.00} VA appraisal fee, A {$2500.00} fee for a no termite 's found letter and re exterminate for no termite 's. and {$160.00} water test. And Freedom is my regular mortgage lender 5 years.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # 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 2018-05-15 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: FL

Complaint narrative:
Experian has re-inserted deleted information back onto my credit report. I have tried to re-dispute this information off my report, however Experian will not re-investigate. The following accounts need to be removed as they previously were : 1. XXXX XXXX XXXX # XXXX Payment never late. 
2. XXXX  XXXX XXXX. # XXXX- Fraudulent Account 3. XXXX XXXX of XXXX # XXXX- Fraudulent account 4. XXXX XXXX   XXXX XXXX. # XXXX- Fraudulent account 5. XXXX XXXX XXXX. # XXXX- Fraudulent 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 non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear CFPB, I am very concerned that I had money removed from my accounts by XXXX XXXX   employees. Over {$400000.00} was removed from my accounts and invested without me being told of the movement. I never gave anyone permission to remove money from any of my accounts. I had a lawyer but not hearing from him in two weeks I figured he wasn't going to do anything for me. Because I didn't sign papers for him to request my bank statements. The last meeting I had with attorney XXXX he asked if I wanted him to suggest a lawyer to help me. I went looking for another lawyer myself. 
I first learned of the money being removed from my accounts in XXXX, I called the bank and was told to call the CEO XXXX XXXX, I was confused but called and wrote him several times over the pass 11 years. 
A bank manager XXXX XXXX at the XXXX Ohio branch for some reason either was appointed or took it upon himself to except any calls concerning my compliant. He obviously told whom ever called that everything was taken of when it hadn't. He told other bank managers not to look at my bank statements or to listen to my compliant. I had informed other departments of the bank but nothing was ever done to rectify my loss. 
I feel with XXXX XXXX being the CEO he should have appointed someone to look into the matter for me. Not one bank official sat down with me and went over my bank statements. I have lost a lot of money and a life from XXXX because of learning in XXXX that {$100000.00} of the deposit was missing I took the blame thinking I wasn't paying attention when the two checks were deposited, my life has been a shambles. 
Someone needs to take responsibility for the lost of money and a life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX has attempted several times to resolve this matter. It all started with XXXX Loss Mitigation ; attempted several times to obtain a affordable payment, and no luck whatsoever. Now it was transferred to Specialized Loan Service and the same issue keeps occurring with her mortgage. XXXX XXXX has gone thru some financial and medical issues, but now she is full in force to make all payments on time. Currently there is a foreclose in process and she is seeking to avoid this to going any further.

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