vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid my mortgage via online through Citi bank at XXXX XXXX  and while trying to finalize the payment during the last step a red pop up came up and stated error please try again later. Then at XXXX XXXX  I logged back on and made the payment and it allowed me to complete the last step and pay the mortgage. But when I looked at my account it had two debits for both payments pending. I tried to stop it online but was I unsuccessful. I called Citibank and after a ridiculous 20 minute wait and vetting process finally spoke to a representative who informed me that they could not help me and transferred me to another representative who told me to call XXXX. XXXX is the company who services my loan. XXXX   representative tells me that they cant refund me and j would have to go through Citi mortgage and they gave me the number. I then called Citi mortgage and they told me to call XXXX, so I asked to be transferred to a supervisor who then Gave me more of a runaround and absolute nonsense. How can I not get a refund on my money from my bank when clearly a glitch in their system cause this issue. All I want is my money back from the double payment. Please help because they wont

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 2019-11-15 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: SC

Complaint narrative:
Equifax, XXXX, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19   inquires on my credit that I did not authorize. Please remove all incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: SC

Complaint narrative:
XXXX, XXXX, and Experian are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect 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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: DE

Complaint narrative:
Took out a loan with this company. They keep calling and calling on my bill I spoke with them originally when I got injured at my job and then losing it a few weeks later. I told them I had an open workmans comp claim that would make a settlement and I would pay back as I could. Called them back on Monday after they kept calling me leaving me messages day after day and told them I still do not have a job because of my injury or have not gotten a settlement from workmans comp yet where I just had XXXX done and still doing treatment to figure every thing out. I asked them nicely to not call me back for a month because it would be at least that long before I'm even able to start looking for a job again. Then Friday 3 workdays later they are calling me again. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
After closing on my mortgage refinance, the new mortgage servicing was transfered from XXXX XXXX XXXX  ( XXXX, AZ ) to Lakeview/XXXX XXXX ( XXXX XXXX XXXX, CA ). 

Unfortunately, Lakeview/XXXX XXXX did not properly review the closing documents, did not pay on time the homeowners insurance ( despite this being clearly disclosed on the hazard insurance endorsement letter ) and did not update my mailing address to correct address ( this was disclosed on the Impound authorization and first payment notification sheet )

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX I went to make an additional payment on my credit card and noticed that my balance hasn't changed much over time. I then noticed that I have been getting an additional $ XXXX- {$18.00} charge every month for a cash advance fee for well over a year now. 
This was odd because I have not used my card in over a year. I called customer service, transferred to a manger and was told that over a year ago in XX/XX/XXXX I got a cash advance for {$20.00}, total being {$23.00} with the fee. 
I have been trying to pay my balance down, I make extra payments and make over the minimum payment due. 
I was told that I have now paid {$850.00} for the {$20.00} bill I took out in XX/XX/XXXX. I was shocked and upset. I told them I send extra payments every month, etc., and asked how do I pay off the {$20.00}? I was told the only way I can pay off the {$20.00} was if I paid off my full balance first of almost {$1900.00} and until then I'll be forever paying for the {$20.00}, which for me would take a long time as I don't have that sort of money as a XXXX parent of XXXX kids to just send over {$1900.00}. 
I asked if there was anything that can be done or help with this matter and was simply told no. This is not right and seems unethical for a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a new Wells Fargo CC with promotional 0 % interest rate for 18 months. Part of the package I received was a check that could be used to do a balance transfer, which was also at the rate of 0 %, however, after using the check, Wells Fargo is charging me {$150.00} fee for making a balance transfer. While i was explained that they apparently charge a fee for balance transfers, that FEE was NOWHERE disclosed around the check that used. Had I known there was a FEE to transfer balance, I would have NEVER used that check. When I called the customer service, they told me the letters and verbiage that spells out the fee is in the same location where the check is and in the SAME letter size as the other stuff. This is a total LIE. Typical bait and switch practices. 
Please stay away from Well Fargo and watch out if you HAVE to go with them. 
Their UNFAIR business practices should be looked into.

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I reached out to Synchrony Bank back in XXXX regarding my JCP credit card. In this conversation I explained that I was going thru a financial hardship and I inquired about settling the account for less than the full balance. The representative gave me an amount to pay for that settlement and I paid it. Never received another statement again. It was safe to assume the card was considered paid off ; however, it has been reporting to my credit report for nearly 3 years as an unpaid charge off. I wrote a letter requesting this to be changed and it wasn't back in XX/XX/XXXX. At this point Synchrony Bank has violated my consumer rights and the FCRA and I am ready to pursue them to the furthest extent of the law.

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 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I have been working with Carrington mortgage to finish my refi to a different bank. after having a very hard time to get them to work with my new provider i had to make my final payment to the company. the approved payment on XX/XX/XXXX that i was able to document and send to the new mortgage company. on XX/XX/XXXX i was advised by the title company that the payment had not been made. after talking to Carrington it was revealed that they had left an old account on file that had been removed 18 + months ago and that was the account that was attempted to charge. this led to NFS fees and having to make a last minute call to resolve this issue. after explaining my case to the CSR i had to ask to have a supervisor to reverse the increased fee to do the payment over the phone. Since they felt that i could still use the online portal ( which led to this issue ) they would not waive the fee that is implemented. i was not allowed to talk to the supervisor but provided an ID * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
For a Bank of America CLOSED credit card - I was unaware that I had a remaining balance due. In XX/XX/2019 i thought I had paid my LAST payment of {$55.00}. In XXXX i received NO statement, no phone call from Bank of America alerting me to the fact that there was {$43.00} still open. It was not until I received an alert in my creit file on Tuesday XX/XX/XXXX that the remaining balance was open and past due. I went ahead and paid this balance immeidately. However, no sooner did that get accomplished di I receive an email from XXXX  informing me that my credit score dropped 46 points!

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 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
hello I have been telling XXXX university to return that student loan back but they are not listening to me at all how can you fixed this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I was assessed an overdraft fee on my business account on XX/XX/19. It was an oversight on my part. I am asking for a refund. I have been told that the overdraft can not be refunded.

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 2019-11-15 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: LEXISNEXIS
State: OH

Complaint narrative:
This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, This complaint is against Bank of America credit card claim department regarding {$120.00} charge dispute. 

I did online shopping from XXXX XXXX on XX/XX/2019 and was waiting for tracking number for 15 days. Then i tried to click on there email to track packaging website was not working and it seems to be fraud.

I called bank on XX/XX/2019 to file dispute and they credited me on XX/XX/2019. I checked my app on XX/XX/2019 and saw charge of {$120.00} and i called them and asked about that charge and they said dispute claim is denied as they recevied reply from merchant that they have delivered me product and they are waiting for my return receipt. 

I told agent i didn't recevied package forget about return. There website is not working and i dont have tracking number to track package neither any form of contact info to reach out merchant. 

Agent told me that they have mailed be denial letter and also letter to file again. I told i didn't recevied that and i dont access my online baking as i do my banking from mobile app and they dont have any message center in app due to that i didn't recevied any notification to process further. Agent guide me and reset my password to do online banking to check letter. She guide to to print letter fill out info and fax them with reference documents with that. 

Very next day on XXXX i called them again before faxing and then agent said i dont have to send anything now as they were investigating more on this as they have request more info from merchant like tracking number and other info but they didn't recevied and waiting on that. 

I called them on XXXX  & XX/XX/XXXX to take follow up and they said to wait as they were still reviewing. Then i called them on XXXX to check status they said they denied as i didn't send them required documents under there guidelines and i told agent they said not to send any more and she started arguing me on that. 

I told agent to check recording of my call with them and noted they provided and she admitted that its there agents fault for misguiding me but now she can not do anything and i have to bear that loss. 

I have been calling them over a month and talking to them over a hour every time. 

Please ask them there recordings that i talk to agents on XX/XX/XXXX, XXXX & XXXX,XX/XX/XXXX,XXXX & XXXX. Also noted there agent have taken. 

Do ask investigation report towards that merchant! 

Please help me to get my {$120.00} back or to put new claim again. 

Thanks and Regards, XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On my Discover Bank savings account, on XX/XX/2019 I found a " deleted '' transaction that was depositing {$20000.00} from a XXXX XXXX account to my Discover Bank savings account. I do not have a XXXX XXXX account, so reported this to Discover Bank. 

Here is their response : " We are aware of an issue that is showing deleted transfers to or from XXXX XXXX even though you don't have a XXXX XXXX account on file. I can confirm no funds are being sent to or from XXXX XXXX as this is only a display error and we are working to resolve this issue as fast as we can. At this time we do not have any way for customers to work around this matter or an ETA on when it might be resolved but rest assured the problem will be resolved as quickly as possible. '' I am very concerned that I have such a transaction from XXXX XXXX XXXX, with whom I do not have an account, on my personal Discover Bank savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
i need to see my amortization schedule. I want to see how my loan is being paid off. I have made extra payments to the principal and need to see how that has affected my loan

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 2019-11-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was alerted to the renewed fraudulent activity from a credit report I sent off for so that I could once again renew a freeze on my credit. This is the second time I have had to do a police report due to this woman 's continued use of my identity. I have been married for the last nine years and any and all documents, credit cards, loans or otherwise are under my married ( XXXX ) name not my maiden name ( XXXX ). I will be sending a copy of my social security card as as my current drivers license and the police report that clearly show that my name is XXXX XXXX XXXX, NOT XXXX XXXX. I sincerely hope this matter will be cleared up quickly, for this is the second time I have had to send my information due to this company 's reluctance to close this account. The reason for not closing this account is unacceptable. I sincerely hope I do not receive a second letter stating that because the company is sending a bill to a fraudulent address that my account will not be closed. If this happens again I will be seeking legal counsel because I believe that I have shown all the proof required for this account to be closed.

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 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I spoke to a FedLoan representative on XX/XX/XXXX about what I could do to avoiding negative credit reporting. The representative explained that the best option would be to have a Delinquency Forbearance submitted for me. Despite this effort, a negative credit report occurred a few days later on XX/XX/XXXX. It was later explained to me by different representatives ( XX/XX/XXXX and XX/XX/XXXX ) that the first representative ( on the XX/XX/XXXX call ) should have advised me to use a General Forbearance, of which I had 702 available days ( and still have 702 available days ), but failed to give me this information and advice. It was also explained to me after the fact that a Delinquency Forbearance is not something a consumer like myself can request, but must be offered and processed by a representative. This Delinquency Forbearance was offered and submitted by the representative on XX/XX/XXXX, which resulted in a denial because the circumstances of my case did not meet the required criteria. I contacted XXXX again on XX/XX/XXXX when I learned of the negative credit reporting. At that time, another representative encouraged me to submit a dispute and took it upon himself to submit a request for review on my behalf. 
The XXXX representative that I spoke to today, XX/XX/XXXX, explained the he also would have advised me to use a General Forbearance at that time if had been speaking to me and that, had the first representative advised me of this, I would have been able to avoid the negative credit reporting that occurred as a result of allowing that representative to submit a Delinquency Forbearance rather than a General Forbearance. I feel that I was misled as to what my options were on that XX/XX/XXXX call by the representative. If I were given better advice and had been made aware that I had the option of using a General Forbearance at that time and not encouraged by the representative to allow the Delinquency Forbearance to be submitted on my behalf, I would have been able avoided this negative credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I submitted a compliant with you all about a month ago on Sagestream LLC. They in their response to you all they said that I could fill out the request to freeze my report online through their response to you all and I did email them the form to freeze my report but to this day it has not been frozen yet. I haven't heard anything from them since I filled out the form to have my reports frozen on their website via CFPB response from them

Company response to consumer: Closed with explanation