vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have previously disputed incorrect information being reported on my credit report by Transunion. This company has yet to correct the errors on my credit report. They are continuing to report an address on my credit file that does not belong to me. I have sent numerous copies of my ID and utility. All the creditors listed on my credit report have my address where I reside.I have no open accounts with the XXXX XXXX XXXX XXXX Every time I call in to dispute this address, I am told by the representative that its being removed and my credit report will be updated. I have updated reports where this has been done but then its added again. I have even went as far as speaking to a US Special Handling Rep/Supervisor about this in which they processed my request. Secondly, Tranunion is continuing to report false information by categorizing three of my accounts as ADVERSE on my credit report.These accounts are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have talked with XXXX XXXX on numerous occassions and they have reached out to Transunion to let them know the accounts needed to be updated to current. I have two of the three letters that were sent to me by XXXX letting me know they have contacted the credit bureaus to update the information.As you will see on the dates of the letters these accounts were supposed to be changed to a CURRENT status and the deragatory information removed.This was done in an updated copy of a report I received from Transunion but then they changed the status again and NEVER notified me within the 5 day period. This is a clear violation of the FCRA! Thirdly, I have been disputing three unauthorized inquiries : XXXX XXXX X/XX/2016, XXXX XXXX X/X/2016 and XXXX XX/X/2016. I have had numerous fraud alerts placed on my credit report within the last year and currently because of unauthorized inquiries on my credit report. Transunion continues to report these with no valid tangible proof. The FCRA states that the only permissible purpose for pulling someones credit is : firm offer of credit, employment, court order and insurance. The above mentioned unauthorized credit inquiries are related to none of the aforementioned permissible and therefore Transunion needs to delete these.These are NOT FACTUAL STATEMENTS. I have contacted these companies that placed the inquiries and have not heard back from them.I am well aware of my rights as a consumer that are outlined in the FCRA.

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 2017-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
My husband tried to wire {$4000.00} to his ailing parents in XXXX. He went to the branch of Santander Bank on XXXX XXXX in the XXXX XXXX of XXXX ( zip code XXXX ). The bank record showed that on XXXX XXXX, {$4000.00} as well as {$40.00} wire transfer fee were taken out of our checking account. On XXXX XXXX, I received a message from the branch manager saying that there was a problem. I talked to the manager who told me there was a discrepancy for the receiving account ( name and account number did not match ). I told her that I did not have the relevant information to help her and my husband was out of town but he would be back Monday. My husband went to see the manager on Monday and together with the branch manager they figured out the typo. He told me everything was all set. On XXXX XXXX, I found XXXX entries on my account : " incoming wire transfer ER '' for {$3900.00} and " incoming wire transfer fee '' of {$13.00} dated XXXX XXXX. So my husband 's wire transfer did not go through but we were charged a total of {$93.00} in fees ( for nothing ). This is outrageous. An outright highway robbery. Today, my husband went to see the branch manager who only agreed to refund {$13.00} for the incoming wire transfer fee. We will still be out {$80.00}. I do not know how wire transfer works but common sense tells me this is just not right, if not out right fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiMortgage continues to deny my application for loan modification despite the fact that I have sufficient income for modification. Citi refuses to consider me for a loss mitigation option deriving from the National Mortgage Settlement Agreement. With my income I have the ability to repay approximately {$720000.00} in Principal and Interest over a 30 year term. Citi, however, will not consider me for a principal or interest rate reduction and they deny me because they say that I can not repay my arrears within a " 3 to 6 month term ''. That is a ridiculous requirement and in clear violation of the terms of the National Mortgage Settlement Agreement. Citi is moving my foreclosure forward and intends to sell my property at foreclosure auction. Citi has been dual tracking my loan in violation of 12 C.F.R. 1024.41 ( g ).

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 2017-07-21 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: AFNI INC.
State: NH

Complaint narrative:
I reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: SD

Complaint narrative:
ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
While checking two existing citi bank cards that have a XXXX balance, citi bank interrupted this session with a advertisement to apply for a citi XXXX card. This stated that they will not pull any credit reports this event happened on XX/XX/17. The morning of XX/XX/17 my credit monitoring XXXX sent me a email stating that Citi bank struck my credit file. Email dated XX/XX/17

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 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gross Polowy LLC
State: NY

Complaint narrative:
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.

Company response to consumer: Closed with explanation