vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.

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 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
About XXXX or XXXX years ago I was struggling to make my mortgage payments. I contacted Chase to see if I can modify my loan somehow ; because I was struggling to make the full payment and if they can help me. At the time I was not in default yet when I asked for the help. They basically told me that I had to default before they can help me. Throughout that time I filled many Home Modification Loan Applications and they kept denying me. They told me that they were the servicer of the loan and the bank that owned my loan did not do modifications. I still kept applying since they told me to try again. Chase mentioned to me that according to their regulations I did qualify for a modification but since the bank that owned the loan said no that there was nothing they could do to help me. Still they kept asking me to file again. I also got in touch with a company named Defend Your Mortgage. They were going to investigate as to why I was not getting a modification. I paid them {$5000.00} and in the end said I had a good case and forwarded me to a lawyer to assist me. That lawyer asked me to pay him {$1700.00} a month ( which I paid for about 3 to 4 months ) so he can work on my case. After several months of paying this lawyer and nothing was done, I stopped paying him because he said I had to keep paying him and that it could take several months before anything happens. After about 2 or 3 years of applying for modifications with Chase I gave up. My house went into foreclosure in XXXX XXXX ; so I lost what I was fighting so much for. I think Defend Your Mortgage, the lawyer and Chase took me for a run around making me think they can help and they never did. I ended up losing money and my home. No today I get a letter from Chase saying that they made an error that could have extended my document collection period during my review of my application for mortgage assistance. They sent me a check for {$100.00} as compensation! They were apologizing for not providing me with the level of service they should have. Please contact me if you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We completed numerous applications several times but the mortgage company continue to deny our request using incorrect documentation. My monthly XXXX income of {$3200.00} was terminated by the XXXX insurance company in XXXX XXXX. We both struggle with significant health problems that are extremely costly, have negatively impacted our credit profiles and we have been in the home for almost 25 years. It as if they are determined to make us homeless. Can you please assist us in getting a modified loan. 

In their most recent denial letter they notified us for the first time that many of the programs offered by the US government no longer exist and that they are not allowed to offer us assistance because of a formula dictated by the US government, they have to comply with. The information contained in their formula which they continue to use to deny us assistance continue to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I had a XXXX credit card account that had a limit of {$1200.00}, it did not have a balance nor did I owe them anything. However, due to them receiving erroneous false information from XXXX XXXX, XXXX and or XXXX, siting that I had other derogatory account information they closed my XXXX account. The derogatory accounts are under dispute as they were fraudulently opened by someone within my household. This account closure is having an adverse effect credit file and lowering my FICO. 
.

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 2017-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently started the process of rebuilding my credit and notice that I had a five hard inquires, dated from XXXX through XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.

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 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.

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 monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!

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 monetary relief
Consumer complaint received 2017-10-06 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: CA

Complaint narrative:
I have had numerous fradulent charges on my account from the past month. I addressed this with them as soon as I was aware of the charges. To date they 've only removed 3 of the charges and There remain for charges totaling almost {$200.00} 3 weeks later which have still not been remove. I called them again yesterday requesting these charges be removed. The person I spoke to help me verify that I wanted to remove those charges as being fradulent. I again stay that yes they were fradulent charges and I want them removed for a second time I made this request. Today the charges remain on my credit card and I 'm beginning to get close to bill payment date. So I 've been trying to get them to resolve this so I do n't have to make a payment to avoid problems with crediting.

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 2017-10-06 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: DE

Complaint narrative:
As the result of two fraudulent accounts opened in my name that are reporting in a derogatory status on my credit bureau reports, Synchrony Bank has decreased my credit limit on my Pep Boys credit card, thus resulting in a higher debt ratio and lowering my FICO. I have never paid late or missed a payment on this account since acquiring this card several years ago. Essentially I am being unfairly punished for erroneous and fraudulent account information because someone close to me stole my identity, and that is not fair to 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 2017-10-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated from XX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.

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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX uses Sunrise Credit Services Inc., to collect debts. I was not able to get XXXX XXXX XXXX internet service to work where I live, I returned the equipment promptly. I was repeatedly told I would not be billed for services and was told the equipment was received by XXXX XXXX XXXX.
Service attempt was is in XX/XX/XXXX. Billing from XXXX XXXX XXXX stopped in XX/XX/XXXX, I called with each bill and was assured I did not owe on month service as it was unable to be installed. Then XXXX XXXX XXXX sent me to Sunrise Credit Services , Inc., I started receiving phone calls and then received their demand letter for {$190.00}. I provided my tracking number for the equipment and was told by one agent once the tracking number was received the bill would be completed. When I returned the call to another agent and gave the tracking number I was told I still owed. After many calls the bill was reduced to owing one month of service. At my second to last call is when the {$190.00} was broke down that I owed for the equipment ( XXXX XXXX XXXX had received on XX/XX/XXXX) and XXXX XXXX XXXX confirmed received at the end of XX/XX/XXXX. Plus I owed for the month of service ( which XXXX XXXX XXXX  customer service said was not owed. ) May last call on XX/XX/XXXXwas told XXXX XXXX XXXX had retracted the claim. Asked for confirmation in writing and was denied any confirmation.

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 2017-10-06 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
American Express and XXXX XXXX have multiple inquires on my account that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.

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 2017-10-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Selene Finance foreclosed on my home XXXX and did n't try to assist me with a loan modification. I put that behind me and moved on with my life. I received a response to my loan modification dated XXXX stating that my deed in lieu was denied because of excessive liens? I found this to be anothe slap in my face because not only did Selene Finance fail to respond to my many requests for a loan modication, they made every effort to expedite the foreclosure ... they now send a response with an enclosure acknowledging a address change XXXX/XXXX/XXXX ... so they made the effort to note that I was not at the property address ; which clearly should have nullified any effort to contact me. Explain to me how one lien was excessive. there should have been only one lien on the property from the hoa ... all other liens belonged to XXXX XXXX who was no longer on the deed at the time the property foreclosed. He was removed from the deed 3 years prior to the foreclosure. Selene Finance knew that XXXX XXXX was no longer associated with property ... so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Harvard Collections, LLC
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. I was talked into deferments when I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now I 'm being told that college is closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: TX

Complaint narrative:
I previously submitted CFPB XXXX XXXX against Citi for a {$960.00} charge to XXXX XXXX XXXX. I do not believe Citi conducted a thorough investigation and simply regurgitated what they mentioned the first time I submitted a complaint. There was no acknowledgement of the evidence I provided even being considered. 

I have attached Citi 's previous responses to my dispute to this complaint. I have also provided the additional supporting information Citi requested in their letter dated XXXX for me to continue disputing the {$960.00} charge. I do not want my complaint being ignored. While Citi 's process and procedure may be working as designed, it does not change the fact that XXXX XXXX XXXX STOLE from me by effectively including a " no refunds '' clause and not delivering on a contract. Citi 's process is flawed if a " no refunds '' clause is all that it takes for companies to take advantage of consumers.

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested a freeze on my consumer report from LEXISNEXIS due to the XXXX breach three weeks ago and never got a responce

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: TX

Complaint narrative:
This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.

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