vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MD

Complaint narrative:
I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.

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 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I co signed for a loan for my son through XXXX XXXX which eventually was sold to Navient. The total amount of the loan was for {$5200.00}. The loan payments started on XX/XX/2007. I faithfully paid {$90.00} every month for the last 10 years. At one point XXXX XXXX screwed up my payments and started charging me a late fee. I called and asked them to fix this which they did but at another time they started assessing another late fee when I was n't even late. Based on my calculations, I have paid back {$9300.00} in principal, {$10000.00} in interest for a grand total of {$19000.00}. This is almost 4 times the original amount of the loan or a 74 % interest rate. My payment due date was considered the XXXX of each month. Last month I called Navient to explain this situation and asked for my loan to be considered closed and paid off. They would not do so. Attached is a document I pulled off Navient 's website showing my payment history for this loan. You will see that I was almost always early with my payments. I feel Navient misappropriated my money and abused my account. Plus I strongly feel they should repay me some of the money I overpaid to them. Thank you for looking into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I, XXXX XXXX, acting as Power of Attorney for XXXX XXXX, am submitting this complaint on our behalf. My brother, XXXX, took out this mortgage, but I am the co-owner of this property and I am listed on the deed. I have lived in this home since it was purchased by XXXX for me and I also have a Power of Attorney signed by my brother that authorizes me to transact any business related to this property. I have enclosed a copy of that Power of Attorney to this complaint. I have made all the mortgage payments on this property, but began struggling to make my monthly mortgage payment since XX/XX/XXXX when the mortgage payment went from $ XXXX/month to approximately $ XXXX/month. I have been communicating with the servicer and applying for a loan modification since that time. I have submitted applications and supporting documents for 3 years now with no result. Recently, in early XXXX, I submitted what I believed to be a complete loan modification application to XXXX XXXX and I was awaiting the results when my loan was transferred to XXXX XXXX XXXX around XX/XX/XXXX. On XX/XX/XXXX, after my loan was transferred to XXXX, I received a solicitation from XXXX that my loan is qualified to apply for the " Mortgage Freedom '' program. The solicitation said the program did not require a paper application or any supporting documents. Since that time until the present, me and my HUD approved housing counselor have attempted to contact XXXX to discuss the Mortgage Freedom program. Unfortunately, we have received no response from my Single Point of Contact at XXXX, XXXX XXXX, nor any other representative from XXXX. We have left numerous voice messages that have gone unanswered. My home is currently in foreclosure and a sale date may be set soon. I need help now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Called to inquire program I was never told that if I did not complete.I never did the course.I was never informed that would be charged or this would be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC 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 2018-01-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???

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 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I struggled to make monthly payments on several student loans totaling just over 90,000 since I had left school before graduation I was unable to consolidate my loans. Some of which had interest rates over 10 %. After falling behind on my loans I recieved multiple daily harassing phone calls and letters. Several members of my extended family also received calls where reps claimed they had been listed as contacts on my loans ( they were not ) It was offered to put me on a payment plan. In return for 6 months of payments my account would be brought current. I set up an automatic deduction from my bank account and completed those 6 months of payments. At the end my account was not brought current. When I questioned this I was told the funds were not applied to one of my loans and therefore they were all ineligible to be brought current. This issue was never resolved and I defaulted on my loans after almost 40k of interest was added to them over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.

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 2018-01-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today, XX/XX/XXXX, I applied to Equifax for a copy my free annual credit report. I had last requested this report from Equifax on XX/XX/XXXX. Equifax DENIED me access to my free annual credit report without even trying to verify my identify my asking the usual questions. Besides distributing my credit report to criminals by failing to safeguard my data, they are now denying me access allowed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have filed a criminal application in XXXX XXXX magistrate court for next Monday. XXXX has not complied with the subpaeona. they sent me a form for deceased husband to sign authorizing access and a bill for {$230.00} to print out copies. XXXX and XXXX have quashed. Chase mortgage in XXXX did not return receipt. XXXX XXXX was informed of noncompliance with certified mail and return receipt numbers. District Attorney was informed of crimes. XXXX. XXXX. Thanks for your influence. Responses but still unproductive. XXXX transfer letter yesterday.See att evidence. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase.com has locked me out of my account and will not respond. I was locked out when I attempted to open an account with XXXX, their sister-company, which shares login credentials. After attempting to enter my Coinbase account credentials, as instructed, I was locked out of both XXXX and Coinbase accounts. 

I 'm unsure how much of my money Coinbase is currently holding as I 've not been able to check my balance. 

I initiated the following trouble tickets, neither of which has gotten any sort of response from their support department. I also spent 2.5 hours on XX/XX/XXXX on their support number ( XXXX ) where I was told that the account was locked in error and that they would escalate the issue and that it would be resolved in approximately 5 days. ( They made the same statement in an email I received from them on XX/XX/XXXX.  See email text below ... ) Existing tickets : XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After calling in, I got the following email response from Coinbase ( date : XX/XX/XXXX ) : >  Hello, and thanks for reaching out. 
> > Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

> Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

> You will receive a notification email if were able to restore your purchasing ability. 
> Please note that while these reviews are typically completed within 4-5 business days, it can sometimes take longer depending on our current case volume. 

> For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: NC

Complaint narrative:
contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.

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