vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 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: NJ

Complaint narrative:
( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that XXXX, specifically XXXX credit card/ XXXX XXXX card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XX/XX/2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ). 
I discovered this when I received TWO outside credit monitoring reports showing that XXXX had reported my account as delinquent to TransUnion, XXXX and to XXXX, resulting in damage to my credit rating. 
They also charged me two months worth of late fees 9 $ XXXX/mo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that XXXX communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.

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 2018-04-17 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:
I opened account with debit card XXXX and they closed account down as I tried to use account they made me pay XXXX for checks. They charged unneeded fees of about 200 for discriminatory reasons. They also made me pay unneeded fees in another account of 200 plus. They failed to give promotions of XXXX ; they failed to give keep the change promotions, they discriminated against me by closing my account down, they failed to take complaints about fraudulent charges to my credit card of about 8000 for insurance I did not want. They took ideas like Economic Simplicity indicator and photos on id 's to get access to funds if someone steals a wallet with no id 's available

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 2018-04-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. I had dispute/fraud claim on another Chase owned credit card. 
2. Chase had failed to resolve the issue. 
3. without any previous or apparent explanation, they closed the account on my XXXX card. 
4. I have been using this this card and was making payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On XX/XX/2018, I recently had a Credit Karma account and I have had it for years. So my OLD XXXX email were compromised, which is the email that were linked to my credit karma account. So I deleted/deactivated my old XXXX account and made a new one. So I changed all of my email addresses on all of my important accounts. Credit Karma were one of them. Unfortunately, when I deactivated my OLD XXXX account it deactivated my Credit Karma as well. Which I had no clue that, that would happen. So during the process before my credit karma were deactivated without me knowing I were trying to update my login/email address on Credit Karma. I were receiving emails to my new email stating, " Confirm your new email address ''. I clicked on the link and I figured that it worked. So I attempted to log on and it said that my account were deactivated. Even when I tried to log into with both old and new XXXX address. I reached out to Credit Karma " Support Team '' and the representative XXXX stated that since I DEACTIVATED MY old XXXX   associated with my XXXX account it deactivated my Credit Karma account. How is that possible? So I told him that all that I wanted to do were UPDATE my login/email and he said that there was nothing that he could do. I feel uneasy due to how I am suppose to keep up with my credit score and open accounts now? This seemed very fishy to me. I just want my Credit Karma account back. I have used it for years. I don't understand how or why this would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We submitted a full short sale package for XXXX purchase price back in XX/XX/XXXX in XXXX, then in the first week of XX/XX/XXXX Mr. Cooper countered our original offer an additional XXXX more. My buyer provided his property inspection report, and countered back at XXXX. Sensing the sale date getting closer, we again asked if the sale date was postponed? We were told by Mr. Cooper they would file a motion to cancelled the upcoming XX/XX/XXXX Foreclosure Sale Date since they had received a completed short sale package and a CASH offer, and since the counter offer was still short of the investors price, they would also have to put the property in their auction site XXXX. But the sellers had to agreed to that or they would cancelled teh short sale. They Also told us not to worry, because they will cancel the foreclosure sale date. 

The property was in the Auction for a week and my buyer was the only bidder, since the home had may issues with mold and water damages. Since my buyer was the only bidder, and he already had the property under contract with Mr. Cooper, we were told that XXXX would transfer it back to Mr. Cooper. That transfer took another week of loss time for them to release the property. Then Another week went by before Mr. Cooper engaged us in XXXX to let us know that the property was being release back to XXXX   and the Negotiator wanted to counter again at XXXX. 

We agreed on the XXXX sale price and teh lender requested a HUD-1 reflecting the new price, and addendum reflection all parties has agreed to said price, and updated proof of funds. All documents were quickly uploaded and sent to the Lender in XXXX. 

Last week we requested a response on when we can expect the short sale approval. The Sellers also went to court on XX/XX/XXXX to make sure the sale date for the property was indeed cancelled. They showed up and was told that the lender a day before sent in a motion to cancel the original motion to cancel the Sale date and they were proceeding with the foreclosure on XX/XX/XXXX.

We explained that this was a Dodd-Frank violation and it goes against the CFPB guidelines, and we were told, too bad! The sellers contacted Mr. Cooper on the phone and spoke with the bank for about an hour. She spoke with XXXX XXXX in regards to our situation and she had all the paperwork in front of her, she got someone from the foreclosure department to review our package and she saw the $ XXXX cash offer. She came back on the line and advised the sellers that the paper work was all sent in time and that they are rescinding the foreclosure and will continue with the offer. 

We are now told that they will not vacate the foreclosure. Can someone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filled a claim related to my lost luggage during travel in XX/XX/2017. The claim was filed with the XXXX a Chase claims provider. This insurance was provided on my Chase XXXX XXXX card that I had at the time. 

I filed the case for my lost phone, as it was stolen out of my check-in bag during travel.After sending them numerous calls and emails I haven't been able to get them to understand that it is practically impossible for me to report this loss to the airline immediately after I come out of plane. Also as this was international travel and the phone was in check-in luggage, I did not get the bag for around 1.5 hours after coming out of plane, and I did not open the bag until I reached home. 

My claims keeps on getting rejected on the basis that I did not inform the airline in time, whereas I have provided proofs to them with my flight tickets and also my communication with the airline. 

Claim number with eclaimsline : XXXX Last four digits of my credit card : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from XXXX XXXX XXXX requesting payment of {$82.00} for services rendered at XXXX XXXX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from RMP. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

XXXX XXXX XXXX called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the XXXX XXXX XXXX letter but their information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: AL

Complaint narrative:
The loan started on XX/XX/2016 for {$15000.00} to attend college with an original interest amt. of 6.75 %. I have always maintained that I chose a fixed rate but of course they say it is a variable. I am way ahead in paying the loan off. However the closer I get the higher the interest rate goes, currently 8.125. I have called them multiple times, I have let them know I have decent credit and my cosigner has excellent credit but they tell me if I don't like it go get a loan from another institution. it is like they are going to get the original amount of money if I had stuck with their payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, a dispute was initiated with XXXX Credit reporting agency and Transunion CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by XXXX. On XX/XX/XXXX, I spoke with Representative XXXX from XXXX, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' XXXX send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.

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 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This is in regards to Navient. 

Last week on XX/XX/10, I made an attempt to reapprove my lower repayment monthly rate. 

I had been informed, I simply need to call back to reapprove my rate. 

I am then told ( while never previously being told this ) - I am no longer eligible for my previous payment arrangement and that I will now have to pay more ( 600+ a month ) ... .we take an expense inventory, the person on the line speaks with their manager, and Im not approved ... 

Supposedly, my co-signers and I can afford to pay. 

I told them my co-signers can not pay, they are declaring bankruptcy, and that I am willing to pay ... just not 600 plus a month ... once they hear that they immediately offer a repayment similar to what I had been already paying and stated they would call me back. 

What happens next? 

I get a letter stating I was rejected ( after they take money ), that I will owe balances, I will have to pay the 600 plus a month, and that there were no other offers any other options, just pay or not pay ( then collections and court ). 


( side note : EVERY time I call- its a different story and I always owe money ... no matter what was previously stated to me ... and all calls are recorded- regardless, I owe money. ) Lastly, they negarively hit my credit even while I was in a repayment program. 

One of the worst loan servicers I have ever encountered. 

I am trying to do right and pay. My co-signers are submitting for bankruptcy and I dont own any assets ... they can try all they want but I wont be able to pay in excess of 600 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: LA

Complaint narrative:
i had a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to cal me and that wasnt done and that violates my rights as a consumer. i reached out to equifax on more than one occasion to advise of my credit being pulled without my permission. these inquires are not authorized by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: FL

Complaint narrative:
On XX/XX/XXXX bank name : XXXX XXXX XXXX pulled my credit report which is showing a medical collection item listed for the amount of {$660.00} which does not belong to me. Tried to contact the medical provider no such address or phone # listed.

XXXX the merchant account # XXXX   which comes up as a fraud company.

Went on Equifax.com to dispute this entry. Turns out this medical collection item doesn't appear on my credit report so that I can submit a dispute.

XX/XX/XXXX Contacted Equifax at XXXX and spoke with a representative about disputing this medical collection item. He responded were not showing that you have any outstanding medical collections on your credit report. He provided me a confirmation # XXXX.

My question is how does the XXXX XXXX XXXX pull this credit report ( Equifax ) showing this medical collection and Equifax doesn't show this medical collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that Citigroup, specifically Citicards credit card/ Diamond Preferred card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XXXX, 2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ).

I discovered this when I received TWO outside credit monitoring reports showing that Citi had reported my account as delinquent to XXXX, XXXX and to XXXX, resulting in damage to my credit rating.

They also charged me two months worth of late fees XXXX $ XXXXmo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that Citi communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.

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 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I was deposited a total amount of {$2000.00} since XXXX of this year. I have paid {$1100.00}. I still owe them {$1800.00}. Ridiculous fees. I have tried to tell them they are illegal in my state as they are charging over 200 % in fees, but they insist they are a tribal lenders and does not have to abide with state laws.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.

They have not treated me with basic decency and I believe they are purposefully keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have called Citibank several times over the past few weeks. I had a credit limit of XXXX untilXX/XX/XXXX, when I PAID off my card balance. They then cut my credit limit to {$500.00} - even though my credit score went UP 50 points. I called today, XX/XX/XXXX, to complain, and my card was closed. They then told me I would need to REAPPLY and couldn't guarantee that the card would be reopened.

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