vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We live on XXXX XXXX  in the XXXX XXXX XXXX. Our home was damaged during Hurricane Irma on XX/XX/XXXX and declared a presidential disaster area. Our home is insured through the XXXX XXXX XXXX company sponsored by XXXX. After seven months we received our homeowner 's insurance settlement from XXXX  an insurance a check of {$290000.00}. We had to send the insurance check to the loss draft department at Flagstar Bank and it was received onXX/XX/XXXX as per policy.

Flagstar Bank loss draft department disperses our insurance proceeds based the amount of repairs accomplished. We have complied with every condition and submitted supporting documents requested by Flagstar. Contractor 's license, insurance, XXXX and all supporting invoices of materials and labor costs.The costs were all approved by our insurance company XXXX.

Because our home is on an island 1400 miles from XXXX  our replacement and building materials must be purchased in the US mainland and exported to XXXX XXXX before repairs can begin. The insurance estimate for materials was {$120000.00}. Flagstar 's loss draft department dispensed {$76000.00} onXX/XX/XXXX a shortfall of {$51000.00}. It is impossible for us to complete purchase of needed materials on account of this shortfall.Until this shortfall is corrected and all materials are paid in full they can not be exported to the XXXX XXXX and leave the USA to start repairs. The Flagstar policy can not be applied to mortgagees homes not in the continental United States.

After many emails, documents, and phone calls Flagstar 's loss draft processors will not disperse the funds needed to purchase all the materials to repair our home. Repairs can not be started until the materials arrive.We have a freight forwarder in XXXX  where all replacement materials are being consolidated and then will be shipped once purchases are complete.All replacement and building materials estimated at {$120000.00} will fill one shipping container which will be exported to begin repairs on arrival. The balance of {$170000.00} is projected for all labor costs.Once repairs begin contractor invoices can be submitted for labor payment. Flagstar underwrites mortgages in the US Territories but has no understanding of the difficulties in obtaining materials or that all materials must be fully paid and invoiced as paid to be exported.

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 2018-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
When l checked my XXXX  Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.

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 2018-05-07 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: CA

Complaint narrative:
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.

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 2018-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: IN

Complaint narrative:
Chronic 'disputed ' credit card charges on Statements and my online account from my XXXX Chase Bank Card of resolved disputed/unauthorized use by XXXX of {$89.00} on XX/XX/XXXX or XX/XX/XXXX, & again an alleged charge on XX/XX/XXXX by same company. 
Each time I receive a call from Chase or see charges on my statements, regardless of the resolved disputed/unauthorized charges, I have to keep disputing ( this same charge has been happening for five months now, as this 2x 's resolved charge from XXXX of {$89.00} keeps reappearing on my statements ). 
I have already received two ( 2 ) letters from Chase Bank Card Services telling me my dispute for the unauthorized {$89.00} charge from XXXX has been 'RESOLVED ' : *1st Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX charges, and *2nd Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX ; *both of these disputed charges are from the same XXXX company and all appear to be near the same date. 
Regardless of letters proving the disputed company 's fraudulent charge has been resolved, it keeps showing back up on my statements with a different date. 
I'm wondering if the company, XXXX, is fraudulently charging my account on all these dates, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX of {$89.00}, or what is going on at Chase Bank Card Services. 
Despite these charges, I have never received anything or product from the charge, nor did I authorized any use of my credit card from disputed charge companies. 
Also, be aware that the XXXX Chase Bank Card account has done this to me before, with an unauthorized charge of {$39.00} from XXXX XXXX   back in XX/XX/XXXX that was disputed and resolved. This disputed & resolved unauthorized charge kept getting placed back on my charges statements to the point that I paid the fraudulent charge to save my credit. 
I'm not going to have to pay for fraudulent charges to save my credit again. 
I will greatly appreciate some help, and a look into this chronic disputed & resolved then charged again matter on my XXXX Chase Bank Credit Card. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

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 2018-05-07 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: GA

Complaint narrative:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: GA

Complaint narrative:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

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 2018-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When l checked my XXXX, XXXX and XXXX, l realized that ; CAPITAL ONE reported an inquiry to 3 of the bureaus on XX/XX/2018 which l have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX XXXX Court-XXXX Circuit Court XXXX SD 2. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX Court-XXXX County Court ( RD ) XXXX  CA Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX-DISC Case # XXXX Filed-XX/XX/XXXX Lact-XX/XX/XXXX Atny-XXXX XXXX XXXX Directory- ( XXXX ) XXXX Court-Federal District Court Cases one and two shown above are still on my credit report ; I need them removed so I may purchase housing.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: UT

Complaint narrative:
I attended XXXX XXXX College in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXX to XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from XXXX   and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XX/XX/XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Was sent offer for buissness credit card from capital one, applied was given credit card with XXXX dollar limit have used card several months never late pay balances off in full My credit score is over 800 got letter saying they were closing my account that my buissness didn Align with their policy called them asked for explanation was told couldnt have one and that I couldnt talk to anyone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.

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 2018-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On Friday XX/XX/XXXX I discovered that 4 ACH withdrawals were made from our savings acct. {$450.00}, {$900.00}, {$100.00} and {$2100.00}. I immediately contacted our bank Citizens bank and it has been a nitemare!! I went thru 5 different people and finally made a complaint on social media. I then was contacted and told that they would work on it and wed hopefully have our $ $ by today or tomorrow. I asked the bank how this happened as we have NEVER had an ACH withdrawal from our savings before. No one can give me an answer. I filed a complaint with the XXXX and my complaint with Citizens has now been brought to the attn of the chairmans office but when they called me today, they said nothing except their name and that theyd be handling my case? She said Id get a phone call by the end of the week?? I just now discovered that 2 MORE FRAUDULENT WITHDRAWALS HAVE TAKEN PLACE TO MY CHECKING ACCT!!! {$400.00} and {$600.00} ... .I called the bank again at XXXX XXXX ... spoke to a supervisor who filed those two additional claims and only apologized!! I am disgusted and I want my money!!! I want answers too!! How did this happen?? What kind of fraud security am I being provided with? No one at the bank can tell me?? I want my {$4600.00}!!! Im filing complaints with the state tomorrow and will continue to do so until our money and explanation is returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CITI Group recently sent me this response to an inquiry about credit services : " Citibank , N.A . 

XX/XX/2018 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX, SD XXXX Dear We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding Citis U.S. Commercial Firearms Policy. 

We have a deep respect for those on all sides of this important debate. Consumers may legally purchase a firearm with a Citi credit or debit card. In addition, there are millions of Americans who use firearms for recreational and other legitimate purposes, and we respect their Constitutional right to do so. Thank you for sharing your views, we appreciate your feedback. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE '' My question now is does CITI Group continue to provide banking/credit card/loan services to " business '' that manufacture and/or sell guns to the public? 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