vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
Loan at last is not licensed to lend in Minnesota. To date I have paid {$750.00} on a {$700.00} loan. They are debiting my bank account {$94.00} per week, which is supposed to end in XXXX. Almost none of what I have paid already is going to the principle. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged a late fee of {$25.00} in error plus interest charges of {$1.00} by Citi in connection with my XXXX XXXX credit card. When I called to complain about the charges, the representative told me these charges were made in error. Not everybody checks their monthly statements. I want to make sure nobody else was charged fees in error.

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 2018-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking 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 explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been paying back my XXXX student loans to Discover/XXXX  for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at SPS. 

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and SPS denied me saying they do not want to help with a modification. I have not had any problems with my mortgage since 2011 ( recession ), and my income can support the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmart, LLC
State: CA

Complaint narrative:
Lendmart has charged me 14 times in one day on XX/XX/18, via an ach withdrawal which I only authorized one payment amount to be paid for {$68.00} for XX/XX/18. 
They sent an email stating they have not charged me since XX/XX/18, however I have my bank statement showing the charges from this company. 
They later claimed an outside merchant charged my bank account 14 x, my bank account was drained, I was without money and had to leave work. 
The Banker sat there with me and could see the charges continue to be taken out of my account. They had to stop my account and made a claim through XXXX XXXX. 
Also my bank will also have to issue me a credit for Lendmart 's error which they are under investigation with my bank XXXX XXXX as well. 

Today XX/XX/18 I received an email saying I am now past due, which is impossible, as they have taken out several payments in one day. 

A few months ago Lendmart also took out money from a different account that was not only my account, I did not give permission on, I only made a previous payment with said account and they had to refund that charge.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/18 I requested auto loan through Transunion website. I was automatically enrolled in a subscription for credit protection with automatic monthly charge after trial period. No where did I accept the automatic charge option or request there service. I cancelled successfully but needed to call for cancelation. There was no complaint department for transunion per the person on the phone.

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 2018-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE BANK KEEPS SENDING ME BILLS FOR OVERDRAFT LINE OF CREDIT PROTECTION THAT THEY SAY I AUTHORIZED THEM IN 2005. DESPITE THE CHECKING ACCOUNT IN QUESTION BEING CLOSED, THEY KEEP SENDING ME BILLS AND REPORTING NON-PAYMENT TO CREDIT AGENCY SEVERELY AFFECTING MY CREDIT. I HAVE CALLED SEVERAL TIMES TO THEIR XXXX NUMBER AND VISITED THE BRANCH BUT TO NO AVAIL. THEY ARE REFUSING TO RESOLVE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: CA

Complaint narrative:
onXX/XX/I sent experian through certified mail ( see attached file ) my complaint regarding unverified accounts on my credit report ( see attached file ) there response did not address the issue instead they ignored my request and responded with an a erroneous reply ( See attached file ) I am filing this complaint because they have purposefully made it impossible to reach anyone on the phone and ignore written complaints that clearly on the face of the document can not be ignored or misunderstood. I would like the accounts to be verified or removed from my credit as stated in the complaint.

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 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018 I had charges come into my checking account in the following sums : 1 ) {$190.00} 2 ) {$290.00} 3 ) {$15.00} 4 ) {$15.00} 5 ) {$12.00} Chase chose to pay the 2 largest bills {$290.00} and {$190.00} from {$500.00} in the account and then pay the 3 remaining bills of {$12.00}, {$15.00}, and {$15.00} which caused an insufficient fund fee of {$34.00} x 3 = {$100.00}.

If they had paid the smaller bills of {$12.00}, {$15.00}, {$15.00}, and {$190.00} from the {$500.00} balance I had in the checking account there would have been only 1 insufficient fund fee charge of {$34.00} instead of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The below are the dates and the amount, and actions that were taken by you or the company. 
As recent as XX/XX/XXXX XX/XX/XXXX and now XX/XX/XXXX But this has been going on since XX/XX/XXXX Amount : {$97000.00} 3 different times I've reach out to Bank of America : XXXX XXXX XXXX XXXX XXXX, FL XXXX Asking that they correct this error and they said they would not. 

My account was a part of a predatory lending issue in-which XXXX  mortgage excepted a loan from XXXX XXXX XXXX XXXX founder of XXXX XXXX XXXX, to stop all mortgage-related business after discovering that XXXX and his company were originating loans in Maryland without a license. 

My loan was sold to Bank of America and when then got heated in the press : XXXX XXXX XXXX XXXX Fraud with my mortgage XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX They sold the first mortgage and wrote off the second mortgage in-which I was in the middle of doing a loan re-modification with them and they put it on my credit report as a Charged off /Past Due of {$97000.00}. 

This is wrong and this is what I consider defamation of character. 
Now I have already endured XXXX XXXX stealing my equity in my home and writing it up as a second mortgage but to have Bank of America call me a lair and charge this off and put it out there for the world to think I am a bad mortgage owner is insane.

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have contacted Chase multiple times to file a claim for reimbursement for a Rental Car Auto Accident. I have had a pending claim since XX/XX/2018 and every time I call the claims company handling it I am told a representative will contact me in 3-5 days. No one has every contacted me. I have submitted all the requested documents to support my claim. The accident occurred in the XXXX XXXX and I am unable to obtain any more documentation other than what I have submitted which I believe is more than enough. The car rental company do not have individuals who communicate in English as they are all XXXX speakers. My requests for a cost matrix was met with confusion. I have followed up twice in XXXX and once in XXXX and still this issue has not been resolved. I have the Chase Sapphire Preferred Card which includes Primary Rental Insurance. Chase is not meeting their obligation to cover this claim. I can be reached at XXXX or XXXX. The claim number for XXXX   online ( Chase 's third party service ) is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2018 my attorney submitted documents to Homepoint Financial to be reviewed for mortgage assistance regarding the foreclosure on my home. On XX/XX/2018 they called to follow up with the documents and informed by a representative on behalf of Homepoint that the file was in active review. Again on XX/XX/2018 they were advised the file is still in review and once again on XX/XX/2018 they were told the file is still in active review however the sale date for XX/XX/2018 was still active. When they called Homepoint Financial today, they were informed by the representative that the review was closed back on XX/XX/2018 due to 2 items pending. They stated they called me and and sent me a letter which is FALSE. I never once received a phone call from Homepoint or any letters regarding missing documents to this day. I have never received any communication from Homepoint regarding a point of contact assigned to my file and nor has anyone even spoken to one until today. The representative even said the wrong phone number for my attorneys office who they should be calling but did not because of errors their employees made. So now due to the lack of professionalism and lack of attention to detail, my home is being foreclosed on and I am forced to find another option. Homepoint Financial had 3 opportunities to inform my attorney or myself that documents were needed and failed each time and now 24 hours before my sale date they acknowledge their mistakes with no remorse or alternatives to fixing the problem on their end. All of my rights have been violated and not to mention a Notice of Trustee sale was placed WHILE I was in active review according to the 3 representatives who stated it was in review which is a form of dual tracking.

Company response to consumer: Closed with explanation