vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.

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 2017-05-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to complain abou t Citi ca rds dispute process as they do not investigate and just side with the merchant. I have had several issues rejected and, despite offering protection from faulty goods or services, they run you around in a circle to try to get you to forget the claim. If you do n't, they side with merchant without so much as weighing the facts. In  XXXX , I disputed a change from  Home Depot  when they improperly installed a water filter. Sure enough, after months and repeated requests for information they sided with the merchant. In   XXXX  , I reversed a charge from  XXXX  after the window tinting offer I purchased would have ended up costing twice as much as the advertised price. Again, run around and siding with the merchant. They wanted ridiculous proof like another merchant to take a look at the tinting, which was impossible since I never fulfilled the service as it was a bait and switch scam. Finally, when the claim damage during our move by  XXXX  was denied because the moving company said things break during moves, i wanted a refund for the extra insurance I purchased.  Citi ju st reversed the reversed charge without asking any details, contacting me or any other due diligence. Clearly, their protection is completely useless and I 'm closing my accounts but I want them to stand by their promise to protect card holders.

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: KY

Complaint narrative:
This happened sometime  in 2016..the b alance is over {$2000.00} ... I had an account with  XXXX  ... I left  XXXX , paid  the balance and returned all equipment yet they are reporting a balance to  XXXX  ... I 've trie d to get this resolved through  XXXX ,  XXXX  and  Source Receivables. I 've also mailed them proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lendmark Financial Services
State: KY

Complaint narrative:
Lendmark is reporting that I owe  XXXX  for a loan. My collateral was a  XXXX  that my husband got in a divorce decree ... he took on that debt as well. I also filed bankruptcy in   XXXX   and this was included. I never owed  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
O n   XXXX   XXXX  , 2017, I arr ived in  XXXX   XXXX  for an  XXXX  vacation. On the early morning o f   XXXX   XXXX  , 2017, a thief stole my Chase debit card and cell phone, and apparently immediately began making   fraudulent purchases and withdraws, including an ATM withdraw in the   XXXX   XXXX  , a purchase at a fast food chicken place, and several purchases at a grocery store on the   XXXX   XXXX  . I reported the theft to the local Chase branch on  XXXX   XXXX  in the   XXXX   XXXX   that same day ,   XXXX   XXXX  , 2017 (   XXXX  Thursday  2017 ).  The personal banker put in a claim, and my account was temporarily credited in the amount of approximately {$1400.00} by the next d ay,   XXXX   XXXX  , 2017.    The thief also took out a   {$1600.00}   payday   loan, and had the funds deposited into a long closed  XXXX   XXXX   XXXX   checking account, but that is unrelated to this complaint against Chase Bank. Several days later, Chase temporarily credited my account for an additional approximate {$200.00}. O n   XXXX   XXXX  , 2017,  I read a correspondence from Chase Bank dated that day via Chase 's claims website, stating that Chase investigated my claim, found the charges to be " correct, '' and that in  six days, they wou ld take {$1400.00} from my account. I immediately phoned Chase 's claims department, and agent  XXXX  reopened the claim, so the resolution of that is pending.  On   XXXX   XXXX  , 2017 at  approximately  XXXX , I logged into the Chase online banking website to check my account balance, and saw a pending " miscellaneous debit '' charge of {$200.00} had been removed from my account that day. I immediately phoned the number on the back of my debit card, whereupon agent  XXXX  told me tha t Chase had  taken the {$200.00} out of my account upon their unnoticed determination that a fraudulent {$200.00} charge was " correct '' and " legitimate according to our investigation. ''  XXXX  refused to reopen the claim for investigation. This is impossible, and I believe Chase Bank violated the  EFTA. Th e charges were all outright fraudulent, and I reported them the very same day they occurred. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to complain  American Express Credit Card.      Because  A  merican Expresss mistake and misoperation, I become a victim of internet fraud. At  XX/XX/XXXX , I made an online trade with the fraudster ( email owner of  XXXX  ). The fraudster made a {$20000.00} bill payment to my American Express credit card, and I did not deliver the products until the payment status change from pending to complete. Because it is a large amount of transaction, during the period ( from  XX/XX/XXXX   to XX/XX/XXXX  ), in order to verify the payment, I called and double checked with  American Express for 3 times. Every time, I got the same response that the transaction is cleared and complete, and American Express has already received all the money and paid to my account. After the fraudster received all the products, the fraudster totally disappeared and I can not get in tou ch with him anymore. So I realized that the transaction is a fraud, and at   XX/XX/XXXX , I ev en reques t American Express  to freeze my account and hold all the transactions. However,  American Express di d not hold the transaction and reversed the {$20000.00} payment back to fraudsters account at  XX/XX/XXXX . I have contacted them for getting the fraudster 's account number and bank information. However, they said they do n't know. I have attached the fraudster 's payment record and payment reverse record to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: OH

Complaint narrative:
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.
I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.
For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My wife had applied for a  Chase Marriott Rewards Card in  late  XXXX    XXXX  , which identified an {$85.00} annual fee would be charged on each anniversary, however when we received the card and activated it on  XXXX   XXXX , there was already an {$85.00} fee posted to the account. My wife contacted  Chase imm ediately on  XXXX  at approximately  XXXX  EST and provided the Customer Servic e Agent per mission to speak with me, her husband. I spoke with  XXXX , from  Chase, at len gth regarding this issue.  XXXX  was not very helpful because she kept saying that I was claiming that the terms stated the first year annual fee was waived, however this is not what I was suggesting at all, so after  XXXX  stated that she could not waive the fee then I requested to speak with her Supervisor. I then spoke with a  Chase Supervisor and stated th at the terms state the annual fee is charged on the anniversary but does n ot state it will be charged at activation or will be charged for the first year. I asked the Supervisor if she could  point me to the verbiage in the Terms where it states the annual fee would be charged at activation or in the first year, and after being placed on hold for what seemed to be  XXXX  minutes or more, she came back on the line and read the Annual Fee verbiage, which does not state it is charged upon activation or in the first year. She basically claimed that the word " annual '' means that it would be charged immediately, even though it clearly states that it is charged on the anniversary.   I expect more from  Chase,  a s one of the l argest banks in the  XXXX , and ask the CFPB to please provide stricter guidelines for banks to communicate the specifics around annual fees.   Thank you in advance.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Please accept this letter as a formal request to review and adjust my student loan payment. I am now a retired  XXXX  from a  XXXX   XXXX   XXXX  and my retirement income is less than  $ 500/mo.  after my health insurance is deducted. This alone, makes a {$750.00} payment to  Navient  impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   I disputed some items on my credit report. I asked all   XXXX   credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX    saying it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: OH

Complaint narrative:
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my  credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been  late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know th at i am anal about my cre dit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.

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 2017-05-12 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: OH

Complaint narrative:
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I just tried to use my  Walmart cre dit card tonight   XXXX     and it was declined. I checked my account and found my credit limit was dropped from  XXXX  to  XXXX . I just recently paid my balance dow n to   XXXX  . It t ook about a week for this payment to post to my account. When it finally posted I made purchases totaling  XXXX . Now instead of having all this available credit which looks good on my credit report, my card is maxed out. I have had this card for about a year and a half and have never missed a payment. I called customer service and they said it was due to a recent credit inquiry that my limit was decreased. This is unfair and is not good on my credit which I have worked so hard to repair. I have 100 % on time payments on all credit lines on my report.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
For the 4th year in a row AIMloan.com has charged me {$2300.00} for flood insurance because they ca n't seem to properly communicate with the insurance company that properly handles the flood insurance for my condo.     This has happened every year since   XXXX   and every year they get their copy of the insurance. I 'm tired of fixing this because AIMloan and  XXXX   XXXX  have a communication issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to fix this issue many years ago. Initially I had an American Express Green card and settled the account. Part of my settling the balance was to enter the XXXX program where I 'd get a new XXXX card with a credit line of half my settled balance. This should have been approximately for 3,000. Weeks later I asked American Express for my card with XXXX credit line and they said it was on its way. This was in 2007. Years later I pulled my credit and saw an open account from American Express I did n't know about with a XXXX credit line. I called American Express and they said it was from my osasis program. I have asked American Express to send me the terms of the XXXX to prove that the terms were for half of my credit line. They never sent me those forms for the terms of the XXXX. This is what my complaint is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX / XXXX /   2017 I  disputed some items on my credit report. I asked all  XXXX  credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX   saying it was verified.

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 2017-05-12 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: TX

Complaint narrative:
XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.

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