vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
MY ORIGINAL SUBMISSION FOR MY LOAN MODIFICATION REQUEST WAS ON XX/XX/2018 SINCE THAT DATE MY POINT OF CONTACT XXXX XXXX WILL CONTINUE TO REQUEST THE SAME ITEAMS WE HAVE EXPLAIN TO HER MULTIPLE TIMES IN WRITING MY WIFE XXXX DOES NOT RECEIVE PAY STUBS BECAUSE SHE WORKS FOR A SMALL COMPANY HAVE SUBMITTED VERIFICATION OF EMPLOYMENT LETTERS FROM MY EMPLOYER W2 'S AND SHE WILL NOT ACCEPT IT. SHE WILL CONTINUE TO SAY MY PAY STUBS ( XXXX ) DO NOT HAVE MY EMPLOYER NAME OR MY NAME ON THE PAY STUBS WHEN ITS CLEARLY ON THE TOP RIGHT HAND CORNER OF EACH OF MY PAY STUBS. I WANT MY FILE TO BE MOVED FORWARD I AM AFRAID OF LOOSING MY HOME. PLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have wellfargo cash wise card since XXXX, my card was damaged so I requested for replace my card in XX/XX/XXXX so I received new card in mail but I never activate this card till today. On dated XX/XX/XXXX I got a text msg from well Fargo fraud alert ( Verify Wells Fargo activity. Card XXXX {$110.00} @ XXXX XXXX # XXXX {$110.00} @ XXXX XXXX # XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ) .I called up wellfargo so the block this card and they said someone tried but transaction declined. I just want to investigate that how come my non active card use by other. How come this card data skimmed by fraud people.I have called up several time to their fraud department but not a favorable response.

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 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Opened new checking account XX/XX/18 and did {$500.00} direct deposit on XX/XX/18. Promo I was supposed to receive was get {$200.00} for opening account and completing 1 direct deposit of {$500.00}. I have not received the bonus so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On or about XX/XX/2018 I disputed a charge of {$16000.00}. 

Chase responded on XX/XX/18 that they would work of resolve the dispute and I was not required to pay the disputed amount. 

On XX/XX/18 Chase notified me that my credit limit was reduced {$16000.00} On XX/XX/18 Chase notified me that my dispute was resolved and my account was credited the {$16000.00} Pursuant to review of CFPB rules my credit limit should not have been reduced and resulting negative impact to my credit rating would not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I applied for the American airline card Several weeks later I received an email saying I was approved The card never arrived but a statement did ( $ XXXX yearly fee ) I waited a few more days for the card I then called Barclays and they send out another card I tried to setup a online login and was told I already have an account ( from past credit card I no longer have ) They sent me 4 email that should have had a code to reset my password, but all were blank After several hour on the phone with them I gave up trying to log on and was told that they could just take the {$95.00} from my bank account which I did not feel comfortable with ( not knowing how they had my account number or witch account they had. 
At that point I left town without activating the account, after traveling for several weeks and coming back to work totally slammed. I gave there tech support another try, and got someone that solved the problem with not being able to reset the password. 
At that time I payed the {$95.00} fee and planed on using that card. I made one purchase Til I looked at my credit report and they have trashed my credit for the {$95.00} fee I called Barclays and was told by a manager weather I had the card or not the fee was due and there is nothing they can do about it. 
I have since canceled the card and they said they will refund the {$95.00}

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 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX   called Lakeview Loan Servicing , LLC. 
Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. 
The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. 

**Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview .

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 2018-12-14 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: SC

Complaint narrative:
Citcard rejected convenience check for balance transfer and broke contract to borrow funds. Filed prior complaint:XXXX. 
Contacted by Citicard, XXXX XXXX, and told a code would be sent to me so she can discuss account in a letter from XXXX dated XX/XX/18. I have left messages to speak with XXXX about the fact that I have not received code and have not gotten a response. 
I am concerned about reporting to credit bureaus by Citicard as delinquency in account. 
I am denied access to Citicard on line and customer service at Citicard will not speak with me with the code which I have not received.

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 2018-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new Capital One 360 Money Market account that included a {$500.00} bonus after depositing {$50000.00} by XX/XX/2018. A total of {$55000.00} was deposited by that date. In between signing up and receiving the bonus, the company attempted to change the terms of the offer to mean a {$50000.00} " balance '' instead of " deposits ''. On XX/XX/18, an online chat was initiated with XXXX that informed me an exception has been granted for my account and to return on XX/XX/18 for the {$500.00} bonus to be manually posted. On XX/XX/18, the company is no longer willing to manually post the {$500.00} bonus despite the initial offer terms being met. A copy of the offer and both transcripts have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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:
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.

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 2018-12-14 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: TX

Complaint narrative:
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TX

Complaint narrative:
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.

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 2018-12-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened a Chase XXXX Prepaid Card onXX/XX/2018 and loaded {$200.00} to start. Once I received the card I loaded another {$400.00} on XX/XX/2018. This card was to serve as a card on a shared gym account payment and a way for both of us to load money to it while getting XXXX credits. He went to load money on it and it gave him an error, I called Chase and they advised they were having system errors and to keep trying, no issue with my card. We continued to try through XXXX with no success so around XX/XX/XXXX we went into a Chase branch and they advised the card looked like it was closed. I spent an hour on the phone while there with Chase Customer Service who looked it up and said I meet all the parameters, I had the online account and she called her collections dept and she verified I had no collections with them so there was NO REASON this account should have been closed but it was, and I would receive a check in 5-7 days for my {$600.00}. XX/XX/XXXX, still no check so I call and demand to know what is going on-AGAIN. Some escalation team lady called me back and tells me the account was NOW JUST CLOSED on XX/XX/XXXX and there will NOW be a check being mailed to me. I again asked her WHY it was closed and she had no answer. Today XX/XX/XXXX she calls back saying that I logged in on XX/XX/XXXX and then the next time was XX/XX/XXXX, they ran some " script '' on XX/XX/18and because I wasnt logged in " enough '' they closed it. This makes ZERO SENSE! AND, if they in fact closed it THEN, then WHY have I not received my money yet and why was I not informed or contacted regarding ANY of this nor informed when I called in numerous times trying to load money. This is not right. I also contacted XXXX who had nothing to say about it and referred back to Chase. Who is accountable for this, I met all the parameters, did everything in the contract for the card, and I am still out {$600.00} which is supposedly being sent to me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2018 I had mechanical work done at XXXX XXXX XXXX, the work was misdiagnose as an oil pan leak they charged me {$400.00} and when I got home I noticed I still had the oil leak on my car. I contacted the credit card company which is XXXX they contacted XXXX XXXX XXXX and sided with the company. I wanted them to not pay for the work because my car was not repaired properly.

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 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I deposited {$8700.00} into my Ally Bank account last Thursday. I still havent received my funds and my online access has been locked. I need the money and they are not answering the phone nor are they returning my money.

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 2018-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX, an XXXX XXXX XXXX, is attempting to solicit me for funds via PayPal after consuming a stay at my residence from XX/XX/XXXX through XX/XX/XXXX. As such, I provided the proscribed Homestay service to XXXX XXXX in addition to driving from XXXX XXXX to my residence upon occasion. Given this fact, there is no reason to refund any or all funds to XXXX XXXX as he used them in Good Faith and did not complain or any issues upon his vacating the premise. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/18 my BBVA Compass Checking account number XXXX was robbed in a identity theft embezzlement. The suspects that robbed my account have robbed me over 200 times. Before I opened a account with BBVA Compass I presented them with documentation to prevent this type of bank robbery from happening, they reassured me that my account would be monitored and this could never happen. 

On XX/XX/18 is was robbed in the amount of {$6600.00}. I need my hard earned money back, they failed to protect my account, they failed to protect me as a consumer, they failed to protect me as a customer of their bank. 

Please get my money back from these criminals sending phony levies, and garnishment suspects in my identity theft case that are XXXX XXXX District Attorny Deputies that are on the wrong side of the law. Stealing money from consumer in a official manner bulling banks and employers to steal money from consumers. This ring of local government criminals are well connected with the DMV employees that assist with personal information. 

Attached you will find my Federal Trade Commissioner Identity Theft Report they asked these criminals to remove this from their records more than once and made the XXXX XXXX District Attorey a suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loans are calculated too high at the time at the moment I am currently {$35000.00} and more and that because of student loans I can't not get any personal loans 2 fix my credit to purchase a new car I currently do not get paid enough to make any kind of payments I think the the loan is this a lot of money. I want to know how to clear up my account back to zero without having to pay any monies if possible so that I can go and get a career

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB, I am attaching a letter of explanation that I sent to BBVA Compass Bank  concerning my credit card. You will be able to see that all payments to them have been made on time, they are not giving me credit for my payments for as long as 9 days and then charging me late fees. One of the late fees caused me to go over my {$2000.00} limit by {$4.00}. I pay my bills through XXXX XXXX XXXX, all of my creditors are paid with in 24 hours or the next business day. In the case of a mailed check to Compass from XXXX XXXX to 9 days to give me credit for my payment is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB XXXX, FL XXXX Was not informed about the collection. Account was made without authorization

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