vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX in XXXX. I was lied to about what my income would be like and also I had no idea what I was signing when I took out my private loans from XXXX XXXX now Navient. I'm trying to get my private load payment to be reduced to an amount I can actually afford. I'm a XXXX XXXX XXXX single mom that has to live with her parents because I can't afford to be on my own due to these loans. My interest rate is a non fix rate which I didn't know that until recently. I was XXXX XXXX XXXX and the financial aid counselor at the school did not explain this to me. My payments fluctuate every month it's never just a set amount which makes it hard to budget. They are unwilling to work with me and accept the amount that I can actually afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: GA

Complaint narrative:
Company pulled my credit continuous during the month of XX/XX/2017 without my authorization. 

Dates are below XX/XX/XXXX XX/XX/XXXX Due to this company and a few others, I have placed an extended fraud alert on my credit, however, this company refuses to remove the inquiries after several requests and notification of possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.

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 2018-03-09 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX  XXXX XXXX XXXX NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the 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 2018-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
As the Seller I have been treated horrible, and after 67 days our home still has not closed and we still have no closing date. 

Working with Chase Mortgage has been a nightmare. Our pre-qualified buyer and I decided to use Chase Mortgage Banking since were both Chase customers. However, if we had known in advance of the incompetence, inexperience, lack of professionalism and continuous resubmission of documents, we would not have used Chase to close my home. Every time I tried to personally get information from the lender he said I had to ask the buyer, because he couldnt give me information for privacy reasons. Since when cant a lender give the Seller information regarding the buyers documents status and the closing updates on Sellers home? 

History : I put my home on the market XX/XX/XXXX. The buyer and I signed the contract XX/XX/XXXX. XX/XX/XXXX XXXX XXXX of Chase Mortgage received our contract and said everything looked great and we should be able to close in 35 days or by XX/XX/XXXX. The appraiser came on XX/XX/XXXX and we renegotiated the price based on the appraisers low estimate ( that is another complaint ), with an addendum to our contract. The new addendum was signed and submitted to Chase on XX/XX/XXXX. By the way, per the original contract the approval letter should have been submitted within 5 business days. That didnt happen. Our buyer received her approval letter via mail on XX/XX/XXXX. 

Complaint : On XX/XX/XXXX when I complained to XXXX XXXX, Home Lending Advisor about the lack of communication on updates, changes, documents, closing and response to questions asked, he said not to speak with him and to solely communicate with our first time home buyer for information and feedback in the future. Chase lending has not been responsive to me, the buyer or the Attorneys office with updates or the closing status. After 67 days, no one knows what is going on. Is this how Chase Mortgage trains their lending staff to treat valued mortgage customers, or is this treatment reserved for XXXX and XXXX? 

After selling three homes, Chase lending has been the absolute worst experience. The treatment throughout this process is unacceptable. Every promise Chase Mortgage has made has been broken, without apology. 

This is what I want to happen, immediately. After 67 days with no closing date scheduled or insight, I want to know our exact closing date and time today. I want Chase lending to communicate with me and the buyer directly and have us close as soon as possible, without any more excuses and needless request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Credit card : AMEX Gold Delta SkyMiles. 
I haven't received a promised reward which includes a XXXX bonus miles and a {$50.00} statement credit. I have contacted them over 20 times through a live chat since XX/XX/XXXX. 

These are some of the logs that I have. 
XX/XX/XXXX - Amex opened an investigation of the issue. 

XX/XX/XXXX - The representative updated the notes on my account. 

XX/XX/XXXX - The representative told me that the investigation is in progress. I could check the update by next statement on XX/XX/XXXX. 
- The representative told me that the investigation normally takes 6-8 weeks. 
- The representative confirmed that I am qualified for the bonus miles and a credit. 

XX/XX/XXXX - The rep said, " Thanks for waiting, I checked and see the investigation is open and our team is working on it and once it is resolved, you can contact us to know the result for this. '' - The rep mentioned that the investigation was opened on XX/XX/XXXX, instead of XX/XX/XXXX as mentioned earlier. " This investigation was opened on XX/XX/XXXX and takes 6-8 weeks time but in most cases, it is resolved within 1 bill cycle. '' XX/XX/XXXX " The welcome bonus offer credits are not yet released and the case is still under investigation by our dedicated team. it is bit a longer than usual for a case to open as usually a case resolves in maximum 6-8 weeks. '' " Whenever such scenarios are reported, we find the root cause to make sure thinks are correct for all the customers too. '' XX/XX/XXXX - The rep admitted that something is wrong with their system. 
" There was an error, and most of our card member faced this problem. We've received updates from our investigation team and they have most of the account. '' XX/XX/XXXX - The rep mentioned that the issue was already escalated on XX/XX/XXXX. 
" I can see it is already escalated and previous supervisor is already working on it. However once the details are updated we will share the same with you as well. i'd request you to please wait for sometime as now it shouldn't take much time to get investigation done. '' XX/XX/XXXX - No progress " These investigations take time as back team needs to check each and every details about the bonus offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the Experian Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Echelon Financial, Inc.
State: IL

Complaint narrative:
I originally signed up for the service in XX/XX/XXXX, right away I could not get into the system to authenticate my account. I called the customer service numerous of times, to have this corrected. I called XX/XX/XXXX to have the service canceled. The rep stated that I wasnt charged for XX/XX/XXXX and there shouldnt be an issue. I noticed XX/XX/XXXX that I had not received my refund back and tried to contact them again. I sent numerous of emails through their site, trying to get this issue resolved. When I finally got through, the customer service rep had me on hold for an hour and 40 min only to be transferred and hung up on. I recently notice that I have been getting charged XXXX once a month, but when I call could never get ahold of anyone. I finally get in contact with someone XX/XX/XXXX regarding my refund. I spoke with XXXX, she is supposedly the only floor supervisor in the company. First, she stated the company does not refund money, I told her my issue and she stated that they will refund me one month, I then demanded that I receive a full refund because I canceled in XX/XX/XXXX and the funds were still being taken out of my account. Besides that, their system does not work, I was supposed to be able to use their site to view my credit report. She stated that she will refund me three months and that she could not see XX/XX/XXXX. I stated there should be someone there that can see XX/XX/XXXX and there should also be a way for them to look at my account and see that it could not be used do to their system due to the authentication issue, after about 20 minutes of going back and forth with this lady stated that she could only refund me 90 days back and if I didnt like it I can do the survey and hung up on me. After the survey if you stated that you do not believe you were helped the call is transferred to some that could further help. I was on hold for an additional 20 minutes before I decided to just hang up. I should be refunded a total of {$140.00} because the system never worked, but I only asked for XX/XX/XXXX XX/XX/XXXX {$110.00}, the young lady stated I would only get XXXX and thats all she can do, only to really get an email with a refund of only {$29.00}. The company is scamming consumers out of their money, they are charging for a service that I could never use. I would like my entire refund of {$140.00}, since I was already refunded {$29.00}, I should receive an additional {$110.00}. This company should not be able to conduct business if they can not provide the services they are charging people for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CO

Complaint narrative:
Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hello, I bought a home and my mortgage was sold to wellsfargo. 
For yeas they weren't paying the county taxes out of my escrow. When I informed them that the property taxes weren't being paid they paid them out of what we had saved in escrow and left us with a shortage. I do not believe we should have to pay the back percentage of late fees that have added up. Wells Fargo said they were not going to make us pay but there is nothing in writing stating that we didn't have to pay these late fees for years. 

Second, I pay a high risk mortgage loan insurance to them. It was supposed to come off when we had either met time requirement or paid into the mortgage by so much. When I called to have this removed, they said that my window to remove the high risk insurance had passed and we were stuck with it until BOTH the time and payment amounts were met. They wouldn't tell me how long this window was open. They also denied their interest in refinancing to take off the loan. ( Of course ) We're now looking into refinancing with our credit union and being done with Wellsfargo completely. 

Can you help 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 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
We recently sold a home in New Jersey and a previous mortgage showed up for XXXX XXXX. My attorney found out that this mortgage was satisfied almost 20 years ago but a Discharge of Mortgage was never filed with the XXXX County Clerk. The new buyers continued with the purchase of our home but held {$67000.00} in escrow. My attorney has contacted Dovenmuehle and they were supposed to get a Discharge of Mortgage and file it with the Clerk. He has been dealing with the bank since the end of XX/XX/XXXX and has dealt with XXXX XXXX. Numerous calls by my attorney and myself have been to no avail. I need this money to purchase another home and believe that the almost 3 months we have been dealing with this is more than enough time. PLEASE help. The loan number was originally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a letter, XX/XX/XXXX citing that Wells Fargo " collected an incorrect amount related to a title fee at closing '' dated XX/XX/XXXX. A check for {$96.00} was issued with no mention, redress of interest that would have accumulated on this amount. 
As a banking institution -- for them to have made the " error '' in their favor, and to have not issued a refund INCLUSIVE of interest, not to mention paying a penalty for charging me fees related to titling but not doing so correctly, is egregious. I made a call to the company and as the account has been since closed for many months, it took over 32 minutes, 4 times on hold and 2 different representatives to get the standard " we will look into this and get back to you within our usual 10 business days to see if we can pay the interest. '' These institutions NEED TO BE HELD ACCOUNTABLE!!!! They are in the business of MAKING money on interest, and yet withhold my money, based on their own accounting error, and have no accountability for paying me, apologizing, and wasting my precious time since I am a conscientious customer who does not want these practices to go on un-checked for my fellow Americans. PLEASE help us punish these financial institutions when warranted so they can not continue to take advantage of the busy, and often poorly educated customer!!!!

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 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage # XXXX held by XXXX XXXX was sold to Wells Fargo on or around XX/XX/XXXX. Wells Fargo has assigned # XXXX to this loan. 

I made my XX/XX/XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX. Wells Fargo is demanding that my XX/XX/XXXX payment be sent to them. For some reason, XXXX XXXX and Wells Fargo can not communicate between themselves to straighten this out and I do not feel responsible for this problem. 

I had nothing to do with the sale of my mortgage to Wells Fargo. In fact I am not happy to be doing business in any form with Wells Fargo due to there record of unethical dealings. I do realize that I have no control over the transfer of this loan. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments have been accepted by Wells Fargo. The outstanding issue is the proper crediting of my XX/XX/XXXX mortgage payment.

Please help. I am an old angry widow and have no patience with this nonsense.

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 2018-03-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX   amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX  and XXXX  I ask that they both be deleted a.s.a.p. please respond XXXX thanks

Company response to consumer: Closed with explanation