vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i applied for a barclay card and i was denied do to unsatisfactory prior relationship, i was never late or anything on my card always paid balances in full, they closed me down because i was a victim of id theft and some XXXX went on my credit report and even though i sent them the police report and transunion deleted that fraud off my report there still denying 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 2017-10-04 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: SC

Complaint narrative:
I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

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 2017-10-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease ( XXXX/XXXX/XXXX ) UNTIL first late payment ( XXXX ). So .... from ( XXXX ) to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} ) x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} ( amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

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 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provided detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Estimated time of Federal Banking Misconduct involing Chase Bank/Chase Mortgage is 12-months. Chase Mortgage has utilized unfair and discrimnatory practices in order to 'solicit, entice, and force ' the Mortgagor to refinance a Mortgage whose fixed-terms are less than 8-years to complete payoff. The first tactic, on behalf of Chase Mortgage, began in XX/XX/XXXXby sending the Mortgagor unwanted, unrequested, and dubious joint written and verbal communication regarding refinance offers which had an offer expiration at the end of each month ; Often written communications would be sent via XXXXdelivery requiring signature as it were a serious legal matter, turning out to be nothing more than 'aggressive solicitation '. Further, after each written solicitation, verbal voicemail messages were left by Chase Bank Mortgage finance division. In XX/XX/XXXX Chase Bank did 'unlawfully ' manipulate, block, and lock online access to Morgagor 's mortgage statement which had been accessible and linked with other financial products held by the Mortgagor such as credit cards, checking accounts, etc. Subject blocked and locked mortgage financial data 'purposely prevented the legal Owner ( Mortgagor ) from viewing accurate payment posting, balance due without calling to speak with the same department involved in the agressive solicitation. Also at issue is the Mortgagor receives a 'real-estate property tax bill ' each year along with Chase Mortgage and has 'pre-paid ' this amount in full ; Thereby forcing Chase Mortgage to place said funds in Escrow and preventing future 'scam corporate advances ' to the Chase Mortgage account. Summarily, blocking online access to Morgagor 's Chase Mortgage statement is akin to placing funds in a bank account and not be permitted to see the 'consumer product for which one is paying ', with a goal of PAY-OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has a Promotional Block on my account, so when I recently applied for a Home Equity Loan my report came back with little to nothing on it because of this block and I was denied credit. 

I have called them twice XXXX do n't remember the dates ) and was told it would be removed. I have sent three letters XXXX XXXX, XXXX, & XXXX ) asking them to remove the Promotional Block. The first two times they told me it was removed, yet it remained. The last time they asked me to be  more specific ... I 'm not sure how more specific I can be by asking them a simple question to remove the Promotional Block! 
I first noticed the Promotional Block after the denial of credit when I requested a copy of my credit report and they sent me two copies. One with everything as it should be and one with hardly any thing on it and that 's when I noticed the line File Blocked For Promotional Purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
In XXXX of XXXX I lost my job and fell behind on alot of my accounts. Finally on XXXX XXXX XXXX, I paid off all my accounts. On XXXX XXXX XXXX Synchrony Bank sent me a letter stating that they were closing my Care Credit account basing their information on a XXXX XXXX XXXX Credit report which would have been outdated at the time. This does not seem fair.

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am a struggling single parent who lives in the state of Georgia. I received a payment for child support in the amount of {$910.00} on XXXX XXXX, XXXX. I was told of the child support office that am suppose to receive an Eppi Card. I waited on the card for several weeks and of course the card never came because they sent it to the wrong address. I usually get my money direct deposit so I did n't understand why I 'm receiving a card in the first place. I went back and forth between GA child support services and Eppi Card for about two months. I finally get a child support rep on the phone who tells me your money has been deposited on the debit card and your going to have to deal with them. I call Eppi Card and they swear I 'm not in there system this goes on for weeks. I finally get a rep on the phone who asks me about previous addresses. I told her about an address that I lived at 12 years ago. She gets me over to a supervisor who tells me to fax over my social security card and GA license. I send over the information on XXXX/XXXX/XXXX. I was told to wait 48 hours for my information to be updated. I waited and contacted Eppi Card, I was told by a supervisor to send the information again. I do n't have a fax machine so I 'm spending money at the local XXXX XXXX everytime I send a fax. I send the information again XXXX/XXXX/XXXX. The information gets updated and a card is sent to my address. I open the card and try to setup a pin number to activate the card, " your information you provided is invalid ''. I try again and get the same error. I speak to a representative who tries with me and get locked out of the account which means I have to wait 24 hours. I wait and try again.. samething. I speak to another rep who sends me another card ... same problem. I am currently unemployed and depending on this money to pay my rent and utilities to tie me over until I can find employment. Rent time is coming up and if I do n't have the money me and my children are homeless. I let them know why I need this card to work. I call everyday to no avail. I speak to a rep XXXX/XXXX/XXXX who tells me he 's sending another card. My rent is due and they are still sending cards that do n't work ... this will be the third one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.

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 2017-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.

Company response to consumer: Closed with explanation