vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was trying to apply from US bank but the US bank does not provide me credit card.

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 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.

Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Caliber Home Loans failed to respond to a Notice of Error and request for information.

Caliber Home Loans has failed to properly acknowledge and investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren

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 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is  preventing me from this opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:Chase Account number: XXXXCredit Card Issuer:ChaseXXXX XXXX XXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. Chase never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling Chase multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.

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 2019-01-03 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: OR

Complaint narrative:
The credit card issuer is : CapitalOne XXXX : Improper Application of my payments applied to purchases vs cash advance in accordance to the cardholder 's agreement. It was explained by customer service that if you have purchases and cash advances, the minimum amount due is applied to the principal and interest for purchases first, if you have a cash advance outstanding, the rest of the payment ( s ) received in the billing period are applied to the cash advance balance ( that includes interest and fees ). This process was not followed. All payments were applied to purchases even after the minimum amount due requirement was satisfied. 
With the Cash advance outstanding not receiving any payment, the cash advance fee continued to go up because no payments were applied, causing me to be charged higher and higher cash advance fees. 
These sequence of events happened from XX/XX/2018 to the most recent XX/XX/2018 statement. 

I am seeking that CapitalOne goes back and apply the payments correctly and refund any fees mis-calculated and applied to my credit card account. 

To stop this unlawful activity, I am looking to transfer my CapitalOne account balance to another provider. I would like to close this mess out first before I transfer. 

I was also told that there is no escalation path for these issues. 
The last customer service leader we spoke to was XXXX before that XXXX. XXXX indicated she was as high a customer could go to resolve this issue and the Back office at CapitalONe that could fix this would not respond to my problem stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a certified letter to Experian along with my theft report police report information also a procedural letter request requesting documents they received to verify the fraud account on my credit report, inaccurate address also inaccurate bankruptcy along with a letter from the court on my credit report given as the furnisher on my credit report, documents received. I requested documents supporting their proof these accounts along with the Bankruptcy belong to me the request was received by them XX/XX/18 giving them 15 days to provide the proper documents or remove all items for supporting documents where sent. They refused sent a new credit report with no changes. My dispute was direct & sent straight to the source Experian ... I called yesterday spoke with a rep that told me they don't really verify through the courts on the credit reports ( which is a violation ) disputes are to be answered by the furnisher in the credit reports or they Must remove the item. The rep told me they use a 3rd party vendor & they can't give that information. I advised her the information is inaccurate & I need to dispute with the source she refused also refused a supervisor.. I also have copies of all documents sent & verification my theft reports where received

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 2019-01-03 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: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what I was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 
This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 

For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My complaint is about Navient. 

I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. 

Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. 

However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. 

I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. 

All of this information will be provided in attachment ( s ) below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is about Experian. I received a notification from them, via an email ( I used to have a membership ). The email notified me that my credit score had dropped XXXX points!! When I looked at my information, and called a representative, I discovered that no information had changed : I'm still paying my bills on time, and keeping my income to debt-ratio low. The representative told me that, get this- my score had dropped because my open accounts weren't very old. Hmmm ... .I replied, but, my score was XXXX, my accounts are " ageing '' and you've dropped my score because they aren't very old- but I had already established a high credit score when they were younger. I told him that makes no logical sense. He then told me that I needed to " hire '' a credit advisor. I need to hire a credit advisor for something that I did not do ...

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 2019-01-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX , Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/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 2019-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,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 explanation