vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

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 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
It's been 2 months and this is still being reported as an open unpaid account. This is ridiculous! Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX. If not my next step is to get a lawyer involved that understands this area of the law to resolve this issue on my behalf. At this point it's not about the money. I already paid you in full, you've been paid. Now it's about your business practices. Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My mortgage just changed from Interest only to Principal and Interest.I called the company and told them that XXXX will be hard for me to pay.The payment is not due till the XX/XX/XXXX of the month.

Ever since I called them and asked them for a loan modification they call me every other day asking when I will pay.I told them I will pay by the XX/XX/XXXX.This never happened before.I will pay by the XX/XX/XXXX why do they have to call me so often and harass me.This is bullying by the mortgage company I spoke to XXXX agent XXXX totay XX/XX/XXXX, she harassed me today

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 2018-06-07 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: MS

Complaint narrative:
I notified Chase XXXX that we would be traveling and gave them the dates. They cut my card off half way through my vacation due to a randomized account review ; it was unrelated to my traveling expenses. I thought it was very neglectful of the company toward their consumer to not take into consideration that I had contacted them about being on vacation. Each person I have talked to gives me the same answer : it will take 10 days to review it. Meanwhile, weve exhausted our primary fund that we were using and now our backup is on hold. Chase has left their consumer out to dry. XXXX never own another Chase account again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : Bank of America - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an invoice clearly stating amount due to Kohls with a due date of XX/XX/2018. Yet they keep calling from : XXXX XXXX XXXX XXXX When I answer, they dob't say who they are, only a first name, like, " XXXX '' XXXX I ask where calling from. They won't say, just ask for me again. I have to finally ask what company are you calling from. They relunctantly and very fast answer. 
I've told them at least a dozen times and texted at least 5 times to stop calling me. I will pay what I owe when it is due. I do nit need to be called numerous times throughout the day from different numbers harrassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I refinanced my loan with RMS ( from construction to permanent financing ) in XX/XX/XXXX. At that time, my appraisal was {$2500.00} short of what was needed to avoid paying PMI payments. I was given two options- pay the {$2500.00} or pay PMI for 6 months at which point I would have reached the 80 % and PMI would be removed. I chose the later option. 

After loan closing, the loan was sold to Wells Fargo. I contacted Wells Fargo by phone the first week of XXXX of XXXX to let them know that I was requesting PMI to be removed effective XX/XX/XXXX since I had paid the 6 months of PMI ( XXXX ). The  representative told me they would investigate and get back to me. I got a letter in the mail the last week of XXXX, saying that I would have to pay it down to 78 %, which would require around {$9000.00} or pay Wells Fargo to do an appraisal of the property. Neither of which was ever discussed with me at the time of loan closing. 

I called back and was told that they always reject the first inquiry and to do the appeal in writing. She gave me a fax number to use and asked that I send the appraisal from the refinance, a note with what was going on and a request to cancel. 

I sent the appraisal, etc. on XX/XX/XXXX. I then received a letter in the mail ( dated XX/XX/XXXX but received XX/XX/XXXX ) letting me though that they would not accept the appraisal since they ( Wells Fargo PMI department ) didn't order it. 

I called back on XX/XX/XXXX and explained to them that the appraisal was done at the time of the refinance and Wells Fargo bought this loan with the appraisal ( in other words, accepted it ) so there was no need to have a new appraisal. The representative told me that those were my  options, there was nothing they could do, and that I'd have to continue to pay until I reached 78 %, or I could refinance to another company who wouldn't require PMI, or have their co do another appraisal at my expense. 


I meet all of the requirements- I am at 80 %, the property value has not decreased ( it is new construction and it was from 6 months ago- in fact we have now added a XXXX garage so there is MORE value AND i provided an appraisal that they clearly approved ),  and I am and have always been current on my mortgage payments. At this point I have paid 3 months of PMI unnecessarily, all of which could have been funds to pay towards my principal loan. 

Please assist.

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 2018-06-07 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One charged me {$400.00} for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/18, i called Equifax to discuss if there is a freeze on my credit report and if so, understand why. When i called, the agent answering my call asked the security questions of which i answered all. Then when I asked my question, the agent said that she will not answer the question. Furthermore, she requested a copy of my social security card and a copy of driver 's license. When i asked why she needed these documents, she still refused to answer and insisted that she will not answer until she receives the requested documents. Two weeks ago, my husband and I were purchasing a vehicle and the dealership was able to pull my credit score just fine. When I wanted to check my credit score, i am seeing resistance that does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
I sent a validation letter to Merchants Adjustment Service on XX/XX/2018 and they did not verify the debt. Merchant Adjustment Service sent me the letter as verification of debt, which is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Bank of America - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX, XXXX, sent me a paper check in the mail. I attempted to deposit the funds via the mobile app. After I pushed submit, I noticed that my funds will not be available until XX/XX/XXXX ( today isXX/XX/XXXX ). I called BOA ask why there is a hold of 8 days. I told them that : It is not over 5K ( the check is for 2.2K ) My account has been open for over 30 days I have not bounced any checks The employer is XXXX banking through XXXX XXXX They stated that it will take 8 days. Maybe 200 - 300 will be available in a couple days, but the funds will be in my account onXX/XX/XXXX. I explained the urgency for the funds ( mortgage, medicine for my kids, food ) and while that may not expedite the process, I need to cancel the hold and cash the check so I can take care of my family. They refused to stop processing the check stating it will take 8 days. I asked for a supervisor. They stated the same thing. The refused to stop processing the check or expedite it. 

A few minutes later I tried to cancel my account in which they refused to do so. I reviewed the documentation on the federal reserves website and it seems that 8 days is well over the limit for a hold. 

I will call BOA to state I submitted this complaint. I know these compliant could take 15 days, but any help would be appreciated. My children need the basics and I can't provide that without the proper funds.

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 2018-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
This is the 2nd complaint I submitted on your website against Navient. There are so many different entities that call me and so easy to lose track or even know who to talk to or trust. I call Navient and get sent to Student Loans then to FSA back to Navient, so frustrating. Today I receive a call from someone claiming to be with FSA-Center by the name of XXXX XXXX @ XXXX. He stated he was with FSA but by the end of the call it did not appear that was true. After he asked me to verify info on my loan such as address and name somehow he had an email sent to me with FSA ID # once I gave to him I received another email saying my ID was changed and I did not request that. He tells me Navient is being sued for doing unethical things to consumers. One of the links he forwarded me said Navient deceived student borrowes about requirement to release loan advising student they could made a certain number of consecutive payments ( 3 ) on time they entire loan would be forgiven. By the end of the call this is exactly what he said he was offering. I am afraid this person is a fraud and not sure what to do but he has all my Navient info somehow. The email that came through for him is XXXX. I was already against paying my loan because I feel I was mislead and now I deferred so much because that is what they recommended and I am in such a whole for schooling that was so unethical where they gave students the answers to the test so they could pass. I am so upset and want to know how to join the lawsuit " CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment '' if I qualify. My maiden name is XXXX last four of my social is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly sent letters of dispute via certified mail regarding a XXXX account that is not mine to both Experian and collection agency responsible for the account. I have also contacted the original creditor directly by phone which then sends me back to the collection agency. I have repeatedly asked for validation of the debt that is NOT MINE, and have still till this day received no proof from anyone. After months of disregard by these agencies I have finally received a letter from the collection agency that holds the account ( XXXX XXXX ) that I do not owe this debt and has been closed which I will attach to this complaint. I have sent this letter to Experian to remove this account from my credit report and yet they still will not comply even with proof that I do not owe this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. By Experian not removing this account from my credit report, it is hurting my ability to obtain credit and will be rightfully sued for this false information if this complaint does not help. Please advise I am at a loss of patience with this company ( Experian ). This whole situation does not make any sense. In conclusion, I sent Experian the proof that this account doesn't belong to me and yet they still respond that I owe the debt with XXXX who then tells me I owe XXXX XXXX who then tells me I no longer owe the debt. Can you see the vicious circle here? This is crazy and I do not see any other recourse then to file suet with this company. Please help. 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
Consumer complaint received 2018-06-07 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I went to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX  they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information

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 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received 2 personal loans in XX/XX/XXXX from Navy Federal Credit union. The last payment made to those two accounts was in XX/XX/XXXX. The accounts were charged-off. On XX/XX/XXXX, I called to set-up a payment arrangement with them. They agreed to a payment plan with me, however, they refuse to provide any documentation stating the agreement we have. They stated I needed to make three payments and then they can send a letter if I request it. I am not comfortable making {$900.00} worth of payments without something in writing showing what we agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I obtained the Premier Gold Amex Card which was offering Earn XXXX Points after using the new Card to make {$2000.00} in purchases within the first 3 months. 
When the account was opened I called to assure that my account was eligible for the bonus offer, I also called during the time I had the card and after I reached my {$2000.00} worth of purchases. 
After I spent the expected amount on my premier Gold Amex  the points were never issued and after speaking with XXXX a supervisor in Texas she decided not to do anything about the situation. 
XXXX cold transferred me to XXXX ID # XXXX in XXXX, Florida who also could not do anything to assist me. 
The company does want to do anything to justify the situation. 
A case # was opened with them but they are informing me that it's just for their records but they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}.

Please remove these items from my credit report. I have a contract on some property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I was signed up on XXXX XXXX XXXX through an XXXX XXXX representative and signed up for paperless billing. Each month I received an email to pay through their online account. On the email sent on XX/XX/XXXX, the only option on the bill was to make a payment. As stated in that email, through my account I was able to access current credit limit, available credit, and important account information. I was not able to view statements through my account. I scheduled payment for {$200.00}. Suddenly and without warning an additional {$1800.00} was added to my balance on the XX/XX/XXXX email. I also noted that the email now allowed the option to view statement. Upon entering my account, suddenly there was a tab to view statements which was not previously there. I contacted XX/XX/XXXX to see if I could just pay the {$1600.00} to resolve the charge without the newly added " finance charge '' because I was not made aware that there would be a change and they stated that every email they had sent me included a link to " view statement, '' which was not the case. When I went to my account, suddenly a tab with statements appeared that was not previously there. I can not prove that the statement tab was not available on the account, as I did not anticipate this issue beforehand in order to screen shot it. Based on the information, I believe that their entire business model seems based on deceiving consumers to impose large finance charges, refuse resolution, and leave the consumer no other option but to overpay or refuse payment and dispute charges so that they could sell the debt off to debt collectors and write off disputed charges on their taxes, which would affect not just me, but the government. I attempted to reconcile by offering to pay the full {$1600.00} that was the previous month 's billing total to not move the dispute further and they refused. I've also never missed a payment and would, more often than not, pay more than double the minimum charge. I have acted in good faith with the company and in return, they withheld information from me intentionally to obtain an exorbitant financial charge.

Company response to consumer: Closed with explanation