vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NOVA Financial & Investment Corporation
State: AZ

Complaint narrative:
XXXX XXXX and his team are horrible people first we get pre qualified and when we find a home we send the loan into underwring then at the last minute they said we were denied by the underwriter. ( no letter of explanation received ) so XXXX promises that he has a different underwriter that he spoke to and we will have no problem getting it right through with them the new company. So now nothing is wright they do n't have any of our paper work they needed everything all over again my credit was polled over 6 times just by them and there making me do all this to my accounts on my credit that it dropped my score so low we did n't qualify for the loan now. I even asked him several time if it do this it wo n't effect my score and every time he said no we will be fine. For his team of loan processor s they are just as bad they will tell us one thing then the next day they say no that 's wrong. So back to the loan underwriters come to find out XXXX XXXX left nova home loans the original company we were dealing with and started at XXXX is the same time our loan was denied and our file was sent to XXXX still have yet to receive a letter of explanation for the reasons we were denied in the first place I thought that was required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
i had an acocunt with PNC some years ago. this account had disputed charges. many ovr draft fees were assessed to the account. i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be delted. im a single mother and i dont have much money. i really want to fix my account with XXXX and PNC never fully resolved account issues before closing the account and assessing unfair fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Husband XXXX and I, now XXXX, are in business together. We XXXX. for 30 yrs. and XXXX. Husband gets diagnosed XXXX at age XXXX, wife takes over total running of business to keep our income. Cost of hubbies XXXX XXXX $ XXXX/mo. or $ XXXX/year and going up appx. $ XXXX/mo. or {$3600.00} in annual increase. We have no long term care insurance. Wife rekonizes income shortgage and applies to re-finance XXXX. to get lower fixed interest rate, 4.375 % quoted at time of application to replace 10 year arm mortgage with {$1400.00} to principal and {$980.00} to interest each mo. Loan size is {$400000.00}. I submit documents : Signed application, Power of attorney, trusts, XXXX XXXX account, all insurances, copy of mortgage statement, copy of rental agreements, rents received, other sources of income, 3 months of checkbook activity, they run my credit score, they report XXXX. Building is appraised at {>= $1,000,000} by their appraiser. They are now dragging their feet, telling me they have to study my many documents. They gave me a lock, expiring XX/XX/2017. I now fear they will deny my application due to age XXXX and hubby with XXXX. Do I have any rights at all. Currently I am struggling with high cost of XXXX XXXX. XXXX. I became very sick myself in the 5 years of XXXX prior to putting him in his XXXX. I must however continue working, and keeping the business going. Thank you for allowing me to voice my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Although I have written confirmation dated XX/XX/XXXX from XXXX of the XXXX Executive Office confirming the XXXX hard credit inquiry someone made using my personal information is fraudulent, Equifax refuses to remove it. XXXX at XXXX insists he has already notified Equifax and the other bureaus. Although he admitted not every electronic communication is received, he adamantly refused to re-send it. When I contacted Equifax on XX/XX/XXXX, I was turned away by " XXXX '' with no help, saying they did not receive any notification from XXXX and suggesting I go back to them. When I did so I was informed that XXXX has the ultimate authority on this and no one else there would get involved. No other suggestions were provided on how to resolve this impasse. So we have XXXX and Equifax each pointing the finger at each other for something that could be resolved quickly by a few computer clicks. Removing a fraudulent hard copy inquiry is the right thing to do and should be a no-brainer. I would have thought these employees work in customer service, but apparently reaching out to each other and communicating in order to best serve consumers is just not something they do. A XXXX hard copy inquiry also remains on my report at XXXX, so apparently they did n't get the word either. Although XXXX says all bureaus have been notified, XXXX out of the XXXX retain this fraudulent hard copy inquiry today. I am simply asking - AGAIN, STILL - that Equifax remove it. Documentation on same including police and FTC reports, ID and proof of residence are on the way to all 3 bureaus. One can only hope there are some grownups working at the CFPB who can get the others to play nice with consumers and each other. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I have recently been denied an application for credit on the basis of my Equifax credit file. According to federal law, I should be able to obtain a free credit report from Equifax. Yet for about the 10th time I have been in this situation, Equifax will not make my credit report available to me online. Each and every time I am directed to a page I am supposed to print out and mail to them together with a copy of my Social Security Number card and driver 's license for further verification. I have done this numerous times in the past. I have also called Equifax a countless number of times and spent hours upon hours on the phone with them trying to obtain my report and resolve this issue. Yet EACH AND EVERY time they deny me access to my rights under the pretense of identity verification. How many times do I need to send them my sensitive documents in the mail ( and risk identity theft in the process )? They do not have a problem verifying me. They are simply trying to make it as hard as possible to obtain free credit reports so as to goad you into signing up for their paid services. This is shameful and I have never been so disgusted with a financial institution in my life. Yet I am captive audience and can not leave to choose another provider. That 's just how credit reporting works. Please note I have absolutely NO PROBLEM obtaining my credit reports on first try with XXXX or XXXX. Please please please force about change at Equifax or shut down this racket!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Our Home Loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services on XXXX XXXX, XXXX, to date ( eleven months later ) our account is NOT SET UP. I have not gotten a statement from Carrington since XX/XX/XXXX. 
They have not applied over {$18000.00} in payments all of which were sent via EFT from my Credit Union to Carrington, all of the mortgage payments sent by us ( and by our Bankrupcty Trustee ) have not been applied and are sitting in a suspense account. 
I had to call to get our account number so I could send the payments, then I started calling regularly after two months when we were getting statement showing a huge 'past due ' on our statements. I was told numerous different reasons why my statements showed that way but ultimately I was told that they had a backlog and our account was n't set up and that 's why we could n't access anything online. After calling them for months I suddenly stopped receiving statements ( I got statements from XX/XX/XXXX-XX/XX/XXXX ), when I called to find out why i was told because we were in Chapter XXXX we could n't have regular statements unless they recieved a letter from our bankrupcty attorney allowing it. My lawyer sent the letter immediately, I called a week later and they said they had it but it had n't been 'processed '. I called a month later it still had n't been processed, when I called in XX/XX/XXXX I was told yep it was recieved on XXXX XXXX but not processed but XXXX assured me they now had a dedicated staff to process those requests. A few days after that phone call I got a call back from XXXX telling me that eventhough their system showed they had the letter, they ca n't find it and I need to resend. She gave me an email address to send it to, the email failed. I refaxed the letter using the same number my attorney used. 
I then got a letter in the mail from Carrington asking for my SSN number, not sure how they can have our loan and not know my SSN. Anyway I filled that out and sent it back along with a HARD COPY of the letter from our attorney asking that statements be sent to us. It 's now XXXX and I have n't gotten a statement. When I called to inquire I was transferred around and no one could give me an answer. Finally I was put on hold by 'XXXX ' and then he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I used myXXXX Gift card at a gas station to get gas. It was declined twice. It had {$82.00} on it. I tried to use it later at XXXX, it was declined, with a {$0.00} balance. I called customer service to find out where was the money. They told me it wouldnt be returned until the XXXX of XXXX. I have to wait 9 days. The rules on internet said money would be returned in XXXX days if you make a mistake and swipe the card at the gas pump. 9 days is a long time. I paid {$5.00} for the card. I should have access to the money that i put on it. I feel this is a scam by XXXX. There are XXXX of complaints on the XXXX complaint page that are just like mine. This bank is robbing people. We need justice. Please help. Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Without any notice to me, Chase reinserted in a bill for the account period ending on XXXX XXXX a charge I incurred on XXXX XXXX and disputed ( acknowledged by Chase ) on XXXX XXXX. When I called today to inquire, I learned that Chase refuses to investigate or chargeback a XXXX dollars charge I incurred to retrieve my car from a XXXX company that had illegally booted it on a Saturday afternoon. ( I have signage pictures and other evidence of the illegality - note that I am not disputing the {$8.00} charge I paid to the parking lot on my Chase card for all day parking ). In talking to Chase representatives, they made various misstatements : 1 Chase has investigated and " the services were provided '' ; 2 Chase is a government regulated institution and can not dispute the 'merchant '' ; 3 Chase has no responsibility for the business practices of the " merchant '' if it is not the processor/acquirer for the acquirer XXXX even if the " merchant '' ( XXXX ) XXXX ( my hypothetical, but the equivalent of what happened ), I would be responsible for the charge if I handed over my card to the " merchant '' ( XXXX ) ; and 5 if I did n't call the police, the illegality of the charge does n't matter. 

Despite my good faith request that the tape of our conversation be preserved, Chase will destroy the tape according to its customary practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient never offered me any form of relief from my high monthly payment other than forbearance or deferment. I have inquired regarding any type of loan relief possible from Navient and was never told that I qualified for income based repayment ( which I applied for yesterday ) and have been paying on my loans for many years despite being on mostly fixed income and I am currently XXXX years old and forced to work at XXXX for the last 9 years to sustain myself. I believe that my payments have encompassed approximately 17 years and that my loan balance has remained within only several thousand dollars during the entire term of the loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Got a school loan back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Started repaying back the loans until i hit a rough patch and could not afford to make the full payments every month. I called and asked if they could help me out by lowering my payments or freeze the interest for a while or anything else they can do to helpe out. Their response was that there was nothing they could do for me. So i would make partial payments but with the interest and late fees, i was getting no where. I called back and talked to them again and i got the same answer so i told them that i was going to stop paying cause the late fees where ridiculous. Instead of lowering my loan it was going higher and their response was you do what you have to do. Less than a year goes by and they started taking all of my taxes each year. XXXX is somethimg else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a month-to- month gym membership with XXXX at XXXX. I was moving to XXXX, and was told by two Managers that all I needed to do was submit a letter stating I needed to cancel. My membership had no contract but I did sign up for personal training and had a contract for that. They said it applied to both. I submitted the letter to XXXX with the date of XX/XX/2016 stating I was cancelling and did not authorize any more charges on my debit card. Come XX/XX/2016 they charge me the personal training fee 's of {$670.00}. I called Citibank and disputed, furthermore I had lost my debit card. So how was the {$670.00} charged? Citibank opened the dispute case and gave me a provisional credit of {$670.00}. I had n't heard from Citibank until XX/XX/XXXX, they sent me a letter stating to send my letter of proof that I cancelled. So I did send the letter. Now a month later, Citibank has reversed the credit of {$670.00} stating my proof was not enough. First, that charge was not authorized, second my card was stolen, is n't that Fraudulent on XX/XX/XXXX part, and third is n't Citibank supposed to notify me in writing that they found the charges valid and would be reversing the transaction?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.

Company response to consumer: Closed with explanation