vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Originally I had an AMEX, XXXX Surpass card. Was informed by letter on XX/XX/XXXX that the Surpass card was being terminated and members would be sent a new card called XXXX XXXX which had a different fee, different benefits etc. this would be effective on XXXX XXXX, XXXX. 
I called customer service on XX/XX/XXXX and asked if I would be getting a new introductory bonus for this new card. I was told I would need to cancel the old card before the change and open this new card when available to get any introductory bonus. As I like to be careful, I called again. 
I called customer service again on XX/XX/XXXX and spoke to XXXX. She specifically explained that I needed to cancel the current card and apply for the new card in XXXX. And, since this was a new product it would be eligible for a new introductory bonus. 
On XXXX, the same day I cancelled my AMEX XXXX Surpass card. 
On XX/XX/XXXX I applied for the new card AMEX Ascend card with advertising saying I would get XXXX  points for a $ XXXX spend and an additional XXXX points for an additional $ XXXX points. I did the spend as soon as possible. 
On XXXX I called to follow up on the points. I was told this is the same card. I objected and a claim was filed. 
On XX/XX/XXXX, I called customer service again and spoke to XXXX. He assured my dont worry, the welcome bonus will be added soon. I would be getting XXXX points but it might not post right away. That he agreed that this was a new product with a new name, new higher fee, new benefits, etc. he said he would also have his supervisor XXXX in XXXX XXXX, add comments to my file to help it. 
On XX/XX/XXXX I called customer service yet again, and was told that I was denied again. That no one had put my details in. This time I spoke with XXXX who told us a new case # XXXX who be filed with my comments supporting this as a new card that we were assured would earn a new bonus. 
Finally today, XX/XX/XXXX, I called again and spoke with XXXX who revealed that my case is going to the same person who originally denied us over and over. She took a minute to look at my file and said this is the same card I explained the many ways it was new and she repeated, its the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A charge was posted to my credit card account in the amount of {$200.00} with a date of XX/XX/XXXX. I recognized the merchant, which is a city gym that I use. However, my monthly membership fees there are in the range of $ XXXX, depending on specials and discounts. As such, the {$200.00} charge is way beyond typical billing amounts, which the credit card company can see in my billing history with this merchant. 

I initiated a dispute with the credit card company in early XX/XX/XXXX, which they denied by letter of XX/XX/XXXX. Their stated reasons were that the charge was " within my spending area '' and they contacted the merchant who informed them that the charge was valid. 

Under this logic, a unrecognized charge would always be deemed valid on the merchant 's say-so if it was with a vendor with whom the cardholder had an ongoing relationship. This would leave consumers without any protection against mistakes and fraud by such merchants and can not be consistent with legal protections. I would like assistance from the CFPB to protect me and other consumers in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Ocwen Financial Corporation
State: MN

Complaint narrative:
The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 

2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: MN

Complaint narrative:
The loan was discharged in bankruptcy in XX/XX/XXXX. I XXXX XXXX XXXX obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore flagged my account and has not allowed me to make payments. Rushmore states missing documents from loan modification even though I have all documents. They were faxed on XX/XX/XXXX. Seen XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. Judge ordered Rushmore to unflag my account and allow me to receive a modification. 

Account is still flagged. Now Rushmore is in defiance of a Judge 's order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
PSLF COMPLAINT : The PSLF program is riddled with delays and inaccurate calculations. I believe that these delays and errors are specifically intentional in order to delay the processing of the loan forgiveness.

In XX/XX/XXXX, I submitted paperwork for the PSLF program to my lender XXXX, they then transferred my loan to PHEA, XXXX. Last year in XX/XX/XXXX my loan officially transferred to PHEAA, XXXX XXXX  due to the fact that I am eligible for the Public Service Loan Forgiveness ( PSLF ). Initially, I was told that it would take 90 days to process my eligibility for the program and calculate my payments. I contacted XXXX  in XX/XX/XXXX and they said that one of my employers wasn't verified even though it was a public school. I finally had the school call after resubmitting some paperwork and finally at the end of XX/XX/XXXX XXXX  approved my employment history as I have been XXXX   for 11 years.

After the employment verification was complete, I contacted XXXX again and they said that in a couple of weeks, my payment history would be calculated. As ofXX/XX/XXXX my payments were calculated however, there were substantial issues. I made another phone call on XX/XX/XXXX to discuss this matter and all of the payments that were not counted were flagged and the account is now headed back to be reviewed. The only evidence that XXXX   gave to why years of payments didn't count was because they were stated as though the payments were not fully satisfied in the month. I have been on the correct Income based repayment plan, have never been late on a payment in the last 11 years, and had all of my payments Direct Debited from the same bank account so this claim is quite confusing. There were a few months of forbearance or deferment while my loan was being updated or transferred. Upon asking how long this process might take, I was told that it could take 6 months. At every step in the application process I have faced substantial processing delays as well as errors that caused me to get a review of the application taking a process which should have been under 6 months and extending it to over a year. Meanwhile I'm making payments but I'm quite frustrated with the fact that it appears like there are huge inefficiencies in processing loans for PSLF. I even went through and calculated my payments made to my student loans that should qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX has decreased my credit limits and closed an account. These accounts that I have had for at least 5 years and have never been late on a payment and have recently paid off all my balances. My credit score was XXXX when they started dropping my limits and closed an account causing my credit score to drop and also being embarrassed when I went to use these cards. I feel the bank did this because I was not using my cards at the time due to buying a house and therefore they were not making any money on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mortgage loan was paid off. I overpaid the loan, and was refunded my money back from Chase. Chase then issued me an IRS Form XXXX for that refunded money, claiming it as " other income '' on line 3 of the form, which means it becomes income to me, and due taxes. I have already paid taxes on that money, and now, because of the XXXX, the IRS will want me to pay taxes on it again. 

The XXXX listed is NOT income from Chase to me, but my own money, refunded back to me. I filed a previous complaint with CFPB, case # XXXX. Chase 's response to that claim did NOT address the mistaken form XXXX at all. They didn't even mention it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: CORELOGIC INC
State: GA

Complaint narrative:
I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. 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 2018-03-27 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the 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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: LEXISNEXIS
State: VA

Complaint narrative:
Today, I received a letter from Lexis Nexis, which has a corresponding consumer number & case number. I called the customer service number identified, as the letter stated to inquire about the letter. However, to no avail was the associate able to assist because she was unclear and appeared as if she couldn't do anything. When dealing with personal information etc. it is extremely important to have associates capable of handling specific issues. The letter you sent to me appears vague, doesn't make sense, and clearly was unexplainable by the associate named " XXXX '' in the call center, who was unable provide a reference number or ID number to identify " her '' regarding my call, which is absurd. I requested a supervisor, she stated that they can call me, I requested email communication, Per my request to ascertain accountability, i want email communication. She then stated that someone could email me.

Again, I mailed a letter to LexisNexis located in XXXX Georgia, inquiring about some type of soft inquiry identified on my XXXX Report. I have yet to receive a response from Lexis Nexis, except what I assume this letter is. The leter I received, states that LexisNexis is unable to determine exactly what I was disputingm My request was Clear, concise & to the point and provided with Source based info, proof..

I specifically, want my actions answered and a written response. I did not authorize LexisNexis or any other entity to perform this activity on my XXXX Profile. IF further info is requested later by Lexis Nexis, I can comply as it will mirrior my initial request. Please contact me by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
My private student loans from XXXX XXXX XXXX XXXX XXXX   , Trans World Systems, were being serviced by XXXX. I was unable to make the monthly paymets, and I was not allowed to contact XXXX XXXX XXXX XXXX directly. XXXX claimed that they are the only agency I can correspond with in regard to the matter.

XXXX urged me to write a letter explaining my situation, and that they would forward it on to XXXX XXXX XXXX XXXX XXXX  on my behalf. That letter is at the end of this statement. I never heard back from XXXX, and XXXX  kept telling me there was nothing they could do on their end. The loans are now being serviced by XXXX XXXX XXXX XXXX. Apparently this is the servicer XXXX  uses for delinquent debt and uses strong-arm tactics to get their money. They will not accept a financially viable payment solution, and will only accept a payment plan that is far beyond my means, with a massive up-front " good faith '' payment. It is untenable, and they are now threatening to sue myself and also my mother who is the co-signor.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here is the letter that was sent : To whom it may concern, I just finished speaking with one of your customer service reps, who was very nice, but said there was nothing she could do for me. She recommended that I send this email, asking you to pass this information along to the lender to see if there is anything they can do for me.

AC # ************* XXXX XXXX.

Apparently, back in 2010, I used up my one & only forbearance option, and am now unable to get the loans current again. I was given a reduced payment plan back in XX/XX/XXXX, but it did not make the account current and now there is a huge past due balance on the loans. I am unable to bring the account current, and do not see any possible way to bring it current.

My credit has been absolutely destroyed by this account, dropping it over 350 points since last year, making it impossible refinance it. The current payments are just a little higher than I can afford, but what is worse is that the past due is untenable and is just making the delinquency worse & worse every month.

I really need the account to somehow be brought current, so that I can make normal payments and no longer be delinquent. Please help!

Sincerely, XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And here is the confirmation of XXXX ' receipt of this letter : Thank you for contacting XXXX XXXX XXXX  ( XXXX )!

A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. Correspondence will be sent once a response has been received to advise you on the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Goodafternoon, my problem is that I did a mobile deposit to my bank ( Capitol One ) in XXXX XXXX of a {$1500.00} check. This was on a Friday, so I expected my check to be cleared on that Saturday. That didn't happen so on Saturday I went to a local branch to find out what was going on. I was told it was going to take a couple of days for this to happen. About 3 days pass by and I called the Bank to inform them that I wanted to cancel the check, the representative that I spoke with told me there would not be any problem in doing so because I informed him I needed the money so I was going to cash it at Check cashing place. Doing so he proceeded and informed me there would not be a problem with him canceling the check. I went and cashed my check elsewhere. On XXXX XXXX I realize my account has a negative balance of {$1400.00}. I called the Bank to find out why and they informed me it is because they adjusted the amount to my account. I asked to speak with a manager and I explained to her the situation and she informed me that once a check is deposited there is no way of canceling the check, but I clearly told her I had called and spoke to someone and they told me otherwise. She said she was going to retrieve the calls and find out what was going to happen, the representative told me someone would call me in 3-5 business days, and I heard from no-one. I proceeded and called back 5 days later and she informed me someone was trying to get in touch with me, but to my understanding no-one called me nor left me a message to call back. She told me someone was going to call me again but again no-one did. So today on XX/XX/2018 I called and no-one gave me an answer the representative I spoke with told me the same thing as before. He didn't give me a way to solve my problem or any other options.

Company response to consumer: Closed with explanation