vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: CITIBANK, N.A.
State: CT

Complaint narrative:
This is the second time I have disputed a charge with Citibank and they refuse to investigate. I stayed at XXXX XXXX in XXXX NH from XXXX XXXX-XXXX, 2017 and paid for it with my Citibank card. The hotel suffers from infestation - rats and mice - which everyone at the conference I attended reported. Rodents actually ran across the speakers area at the conference while they were speaking so literally one hundred people witnessed this. I reported it at the time - along with others - and nothing was done. I have a complaint number XXXX to prove that I reported this and Citibank continues to honor the hotel 's denial even though there are several witnesses to this.

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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
Santander is not reporting payments accurately. The following payments are not on my credit report as paid.
XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.

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 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: A & O Recovery Solutions, LLC
State: TX

Complaint narrative:
I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Procollect is continually reporting a debt that is not mine to XXXX and XXXX XXXX XXXX. I have contacted them several times to ask for validation. I dont have a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
lvnv funding proceeded to judgment in the wrong forum despite the fact i disputed the total amount of debt with original creditor and debt collector to no avail. they never validated the alleged debt lvnv has committed FDCPA/OCSPA VIOLATIONS- filing suit arbitrarily in wrong forum, and pursuing a debt supplier knows has been cancelled See ; State ex rel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ohio XXXX. XXXX ) Section 1692e ( 5 ) of the FDCPA prohibits debt collectors from threatening or taking legal action that can not be taken legally. case-XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it 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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have asked XXXX, XXXX, and Equifax for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
XXXX has been calling between 2-3 times a day early every day for months. I have told them numerous times that I will not agree to pay a debt until I receive written proof of the debt in detail because I know nothing of this debt. They refuse and told me its against HIPPA laws to disclose that information. But continue to call. They also repeatedly ask for more or different private information when they call and before hey tell me who is calling. Ive just begun to assume its the same place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: SC

Complaint narrative:
My Student loans are being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.

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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC
State: NH

Complaint narrative:
Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Starting in XX/XX/XXXXall of my credit cards and ATM card have been cloned and used. I still have the cards I have a box of paperwork, too much for me to even sort. my XXXX last XX/XX/XXXXmakes everything hard to do. my checking account with Chase bank has been compromised several times by use of a cloned ATM card. sometimes Chase gives the money back, sometimes they give it on a temp basis and then take it away, leaving me suddenly overdrawn by hundreds of dollars. i have no money to deposit so i get overdraft charges until i borrow some cash from my family. also my credit cards have all been compromised many times. some fraud cases are settled in my favor, some are still in progress. my most recent denial by chase for the unauthorized use of my ATM card was denied because the card was chip enabled and used at a chip enabled store. my Slate credit card also has the famous chip and it gets used all the time and i still have the cards. so far the card has been replaced 6 times with a new one on the way now. Slate approves my claims, why does n't chase ... same bank. i can not pay my bills and my credit score is down 60 points. please help me fight the battle of the chip. My research found that I am protected by law such as the Fair Credit Bill and the Federal Trade Commission. FYI MY CREDIT CARDS ARE ALMOST EXCLUSIVELY USED AT XXXX IN THEIR ELECTRONICS DEPARTMENT. CAN SOMEONE MAKE THEM START CHECKING ID? Opps my wonky fingers hit the cap lock also i telephone the chase fraud people and ask if they could please reopen my case so i could do some investigation, they said my request was denied. I was n't able to attach documents. i have photos of 10 cards that have been replaced. all of them have the chip

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX and XXXX they never responded to these and are still open and the description of what took place is very outlined and it was all and ceated by wells fargo they lied/remove/delete and added all kinds of activity please read all the explanations and they are trying to get away with everything and was created by them please look at the explanations and they also deleted all kinds of statements and added all kinds of activity that had nothing to do with me and created all these accounts. enough is enough

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 2017-08-16 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: DISCOVER BANK
State: TX

Complaint narrative:
stuff i just found on my report attach i file with XXXX police dept

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had applied for loans from XXXX to be discharged. According to the borrows discharge defense XXXX has been removed but naivent isnt reflecting that. Everytime i call they say they see no record of it. Im being charged XXXX a month in interest of a ibr plan i asked for the best option due to the fact i been on XXXX for 8yrs on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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 2017-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments.
The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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