vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Loan Care says that they never received my XXXX payment. I have had countless phone calls with them totaling countless hours on the phone. I have spoke to representatives, managers, supervisors, I have even had my bank on the phone with them. I have sent them countless e-mails with all the information they ask for to fix the issue. Each time Loan Care assuring me or us that they have the information they need to handle the problem and assured me it would be fixed. It is now unbelievably XX/XX/XXXX and it is still not handled. I have never missed a payment on anything in my life. This was my first scheduled payment with them once they got my mortgage from XXXX and obviously they didn't handle the switch correctly as every payment after was made the same exact way and they received it just fine. I am at my wits end with this company as they are unable to fix the problem and essentially stole my money. I have even had managers PROMISE me they would call me themselves at a specified date and time multiple times and they never got back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a XXXX which when wells Fargo took over my payments arent being deposited into my account on the date which was set up. I was told they changed dates without my knowledge or consent. I asked several times for years to have this corrected and they tell me it can not be. They told me to wait till XXXX to see what can be done. They told me I would have close and open a new one to get it fixed which is absolutely unfair. All I want is for my disbursements to be corrected as it used to be.

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 2019-08-23 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reported my card stolen. I noticed charges i had not made upon logging in on the app. So i go to grab my card to call the bank and they canceled my card i tried to add all charges that were not authorized and it wouldnt allow me to. So i wrote a message to support letting them know i have never received a response. I also never received a new card. Its been goon. On the 4th week now and i barely got a denial for my disputes. They claim i used the card after the charges of dispute. I did not one charged was made prior to my card being stolen. I went to, the tan shop about a week prior to the theft. And the put my card on file and they charged it later. Therefor the charge didnt show being made for the actualdate i went in. I had over a thousand spent of my tax money that they will not give me, back and they took almost a month to investigate or say anything, i still havent gotten my card. Simple bank should not be used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I filed a compliant with XXXX XXXX on XXXX, and they responded be XXXX case number XXXX stating that it was going to be remove off my credit however, in the context it stated my sister name which is XXXX XXXX XXXX. this have been a lot of confusion on my credit due to creditors are getting us mixed up with name, and social security number. I never had an account with XXXX XXXX. Social Security number is XXXX. I am requesting that this information be correctly, and remove off my credit report as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has a long history of falsely claiming to investigate disputes of consumers by returning results as verified. In this case what they have sought to do and perform is adding names associated with the accounts they seem to want to identify as verified. The government of the United States, through the Social Security Administration set forth a program to ensure I wasn't mixed up with others that share the same name, so my name was redesignated as XXXX XXXX, that is the only name upon which I apply for credit under. In such Experian has allowed 66 inquiries since XX/XX/2019 to present to be happened upon my credit report with name XXXX XXXX XXXX, and thereby adding that name to my credit report, or which they are fully aware from previous correspondences that it is not me, but they continue to allow their paid subscribers to perform the same, without identification or permissible purpose of identifying self within person, all of these inquires were done only, and not in person. 
Secondly Experian recently verified an bankruptcy XXXX as reporting accurately, even though through the dispute process, I produced a letter from the third party provider that stated no bankruptcy exist under this client, or consumer. Basically Experian is engaged in the same lying technique of playing to investigate while doing nothing more then wasting time then claiming verification. They are reporting and have been reporting an credit card account from XXXX XXXX, when the actually applicate applied with social security number XXXX, fraud, since my social is 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 2019-08-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I have submit Complaint Number XXXX, where I asked to protect me from illegal calls and unlawful reports of I C System Inc, who report FOUR derogatory accounts on me during XX/XX/2019 with the same balance of {$100.00} about the same dept which already hit my credit history on XX/XX/2019. 
ONCE AGAIN. The derogatory account with a balance {$100.00} already hit my credit HISTORY and decreased my CREDIT SCORES in amount 18-20 scores on XX/XX/2019, and I sent you a screenshot of my credit alert about this. 
But I C system didn't leave me alone, and they used that Complaint Number XXXX to illegally know my current address and keep bothering me with their unlawful bills, now through the mail. 
Also, I never saw notifications that XXXX 's FOUR derogatory accounts were CANCELLED, and it never hit my credit history. But I saw increasing of scores for about 18.

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 2019-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Problem with Citibank , N.A . 
In XX/XX/2019 I opened three savings accounts via an online application from their solicitation advertising an interest rate of 2.33 %. 

I funded the accounts using the Citibank process for account to account transfers from my credit union account in XXXX, NM by following the instructions from Citibank. The transfer of funds went well. 
On my first bank statement I received in XX/XX/XXXX I noticed Citibank was withholding for federal taxes with the information on my statement saying, " Federal Withholding Tax Uncertified ''. 

I called Citibank inXX/XX/2019 and inquired about the withholding and was informed I need to submit a W-9 and they directed me to the IRS website to obtain the form. I asked how I could submit the form and was told to fax it in. I followed the directions and submitted the form via the fax number they provided. 

XXXX weeks later, I called Citibank and asked if the form was received. I was told by the Citibank representative the forms could not be faxed in and had to be mailed! I followed these contradictory instructions and mailed in the form to the address I was provided in early XX/XX/2019. I was told to wait three weeks for processing. 

On XX/XX/XXXX I called Citibank, and after a long wait on hold time, and after explaining the problem ( again ) I was transferred to their servicing department. The message was the department was closed and I should leave a message and they would respond the next business day. I left detailed information about my name, SSN, account numbers and the reason for my call. I left a daytime phone number and repeated the number, including area code three different times for clarity. No one ever called me back or took care of the issue of my interest being withheld. 

In early XXXX I received my bank statement and noticed interest was still being withheld for taxes, telling me they have not processed either of the forms I submitted. On XX/XX/XXXX I called Citibank and spoke with a representative and told them my story ( again ) and was told I need to talk with a supervisor. They placed me on hold and forgot about me. After 45 minutes of long suffering, I hung up the phone. 

On XX/XX/XXXX I called Citibank again and after entering all the information about my account on the phone and waiting through the phone menus, the message came on they are too busy to talk to me and told me to call back in two hours then they hung up on me. 

On XX/XX/XXXX, I looked online and all three of my accounts are having interest withheld even through I submitted W-9 two different times according to their instructions.

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 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank ie : carecredit was notified of fraud and identity theft when i discovered the account on my credit report. I have never heard of carecredit or three other credit lines that were opened in my name as a result of the XXXX  data breach where my personal information was leaked onto the dark web and used to open several lines of credit I was unaware of for over 3 years as I rarely open credit accounts or check my credit. i have no need to. the first i heard of this company was when i went to get a phone upgrade and i was denied! denied? I had a XXXX credit score!!! I immediately pulled my credit report, saw a whole bunch of credit lines opened in my name i never heard of! I filed the fraud report online, notified all the credit companies and all but one were very responsive in immediately  closing accounts and helping me by sending letters to the credit bureau and me that cleared me of all the debt. All except this company - which sent me 2 weird letters dated the same day - one that claimed they investigated my identity theft claim and decided I somehow gained some kind of benefit, and the second a form letter indicating they have not yet investigated and listing the account balance as fraud but refusing to provide a list of these so-called " benefits '' i had gained. They refused to provide any merchant drafts, contracts or signed authorizations with my identity verified! So how did I somehow magically benefit from this so-called " fraud balance ''? I called them and now they claim I owe them in full! Now - here is the truth : on all three credit bureaus, this company is reporting different dates, different amounts and different late pay statuses! how is this even possible. I've demanded they provide all information linked to this account and metro2 compliance as well as perfect proof they have any commercial claim or that I entered into any commercial relationship with this company for I have not. but they've so far have refused to produce any provable or legal documentation linked to the account. Beware of this carecredit company and XXXX   XXXX. apparently they will open accounts without any form of verification and then proceed to report all kinds of unverifiable data - defaming your character.

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 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I received a negative report on my credit report. It was from Enhanced Recovery comapany. They represent XXXX. It states that it is a new account and has an open date XX/XX/2016. That is false and hurts my credit score. I have been with XXXX for the past 10 years. I would like for this to be removed from my credit report. I filed a dispute with XXXX but it came back as correct which it is not and is illegal. Can you please remove this information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A NEW ISSUE REGARDING TENANTS THAT RESIDE WITH ME. 

I have 2 tenants living in my home for some time now. They both have indicated that they will be staying and have NOTIFIED ME JUST NOW that they will begin pursuing their own remedies to stay in the home. 

One tenant is 100 % XXXX and on a fixed income. The other tenant will be bringing his daughter to live here next week. The child 's mother died earlier this month unexpectedly. He does not have alternatives at this time and he must put his daughter in school or he will have problems with social servies. 

I am having difficulity communicating with JP Morgan Chase to notify them of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is the investor on my mortgage note and they are unwilling to provide the assistance that other investors do for their customers. This institution received bailout money from Washington to work with customers on the terms and conditions and helping with different programs. They never once did one thing and when contacting them they take no responsibility for their requirements and point you back to the Servicer whose hands are tied tightly. Ive been dealing with this XXXX since 2008.

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 2019-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
In XXXX my loans were consolidated FFEL loans. Over the years of my loans, I was. Federal employee with the Dept of the XXXX XXXX and was working toward Loan Forgiveness when 120 payments were made. During this time, when I spoke with Navient reps, they always confirmed my loans would qualify because this is what I was working towards and in XXXX when the US Department of Education and Student Loan Aid declined my application for Forgiveness I couldnt believe what I was hearing. I started working for Department of the XXXX XXXX in XXXX while attending college. I consolidated my loans not just for lower payments but to qualify for the Loan Forgiveness for Public Service. Well, I contacted Navient and told them I was denied due to type of loans I had and they did not qualify because they were not Direct Consolidated loans. They said that was correct and I could apply for a qualifying consolidated loan but the XXXX years of payments would have to begin again from start. At this point I did not trust Navient and left my loans as they were. Last year when other types of loans that did not originally qualify for forgiveness could now qualify under a short window of time, I applied and never heard anything so I called and spoke to a rep with the federal Student Aid program and was told the FFEL consolidated loans did not qualify and some words exchanged and I was told to make sure someone had their contact information so when I died they could call the Federal Student Aid office and then my loans would be forgiven. I got upset and said to her that after working 20 years in XXXX XXXX that the only way I would qualify for loan forgiveness was to die and she said yes. I am XXXX years old and still working in public service and worried about retiring with this debt, I am currently on a short term graduated pay plan to get my loans caught up after several forebearances at suggestion of Navient rep when I got behind. I dont know who to trust regarding paying toward a loan forgiveness for public service. Looking for some help. I know I am not the only person in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged three overdraft fees because the bank stacked my transactions. This resulted in three transactions I made on Monday, XX/XX/XXXX being posted after a larger transaction I made on Tuesday, XX/XX/XXXX. Because the bank moved these transactions, that were posted before the Tuesday transaction, to appear to have posted after the larger Tuesday transaction I was charged 3 unnecessary {$35.00} overdraft fees. Today, when I asked for a refund, the bank told me I could get a courtesy refund of 75 %, but I am not asking for a courtesy. Just that the bank gives me back what was wrongfully taken from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. I have submitted theft report to Experian on XX/XX/2019. However, the items I have listed in the report still shows on my file. The Fair Credit Reporting Act section 605B requires credit reporting agencies to block information received from consumers who have file identity theft report within 4 days after receiving request. The items I submitted to Experian to be block is still showing.

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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
i am a victim of identity theft by the lasw of the united stated of America and XXXX XXXX refuses to accept it. XXXX XXXX is not a judge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is a complaint with Comenity Bank, XXXX XXXX. I paid my card off in XXXX which left a credit of {$49.00} ; I sent a letter to close my account and to indicate the account is closed by consumer. I also requested the credit back in a form of a check. They sent a letter stating my current balance will be continued being billed for the XXXX until paid in full. I want my credit to be returned as I overpaid and owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
The company LVNV is taking me to trial court for this on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank would not refund unused months when XXXX went out of business My XXXX 12 month membership was activated on XX/XX/XXXX at {$17.00} / month. 
XXXX went out of business on XX/XX/XXXX. 
I am disputing the unused 8 months at {$17.00} = {$140.00}. 

I requested a chargeback on XX/XX/XXXX. 
Chase said that I was not entitled to a refund! 

Chase has failed to provide the promised consumer protection! 

There is no need to contact XXXX! 
They are out of business and do not respond! 
My dispute is with Chase Bank. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief