vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I got my mortgage through XXXX who has the investment from XXXX XXXX. They told me I had to pay mortgage insurance until I reached 20 % of my loan to value. I called to see how much I needed to pay in order to get this removed. There was a severe lack of communication on their front. Not only do they require me to pay XXXX for a home estimate but they also won't remove it until I get to 25 % of the loan paid. They neglected to mention any of this in closing and in fact they told me it would automatically be dropped at 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a text message from XXXX on sunday XX/XX/XXXX stating : Free Msg Fraud Dept : For your protection, a hold has been placed on your Barcklys-credit card. Please call XXXX.

when i called the number sounded legit.Then they ask for full credit card number. I did not enter it because i dont know where i placed the card.

I called Barclay 's directly and spoke to someone and they told me, there was no such thing of my card being placed on hold, and no note from their security team.

Scam/Phishing Alert!

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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: AZ

Complaint narrative:
I do not know why this debt is on my credit report. The balance is XXXX, the debt is XXXX, yet it is listed in collections. 
National Credit Management account XXXX Original Creditor XXXX XXXX University XXXX Date XX/XX/2015 Balance - Debt- Contact Information XXXX XXXX XXXX XXXX XXXX Mo XXXX I was never contacted for this debt and do not know what it is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My prepaid card was charged XXXX for a fraudulent purchase. The purchase was Made at a XXXX in a city I have never visited. After communicating to American Express Serve that this was not a valid purchase the transaction was approved anyway. I filed a claim for fraud with American Express Serve and was told it would be resolved by the XXXX of XXXX. I never heard back from the company. I called on the XXXX and was told to check back on the XXXX. Checked back on the XXXX and was told to check on the XXXX. Called back on the XXXX and still no resolution. They will not share the findings of their investigation via email or phone. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN CAUSING SERIOUS DAMAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I received a copy of my credit report on XX/XX/XXXX and it showed two late payments in XX/XX/XXXX and XX/XX/XXXX reported by Kia Motor Finance. I have never been late and attempted to correct this information by sending Kia Motor Finance two letters on XX/XX/XXXX and XX/XX/XXXX disputing this information as inaccurate. Kia removed the XX/XX/XXXX late payment but states that the XX/XX/XXXX is being reported as accurate and refuses to remove the incorrect information. I also provided Kia with a copy of my payment history from their website with both letters and they still will not remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
1. Problems obtaining loan modification, paperwork was always missing on their end. This occurred for 2 years before we had to finally file bankruptcy to avoid 2 foreclosure sales on our home. Countless faxing of information they said never was received. 
2. We've had a loan modification for almost 2 years now and have never received our payment book. 
3. We have never received our monthly or periodic statement the entire time. We were informed we had to sign paperwork to receive our statements. 
4. Our loan amount went from owing XXXX to a loan mod of nearly 750,000 due to lawyers fees, late charges, penalties and missed payments. 
5. Servicer refused to take payments from us when we became behind in mortgage in the year XX/XX/XXXX, thus adding the new owed amount. 
6. Servicer refuses to help us make late payments because we're in a bankruptcy. 
7. month and a half ago we asked for statement and they refused, we told them they wont get paid until we receive our statement, still haven't received a statement. 
8. Was told on XX/XX/XXXX they had our automatic stay lifted and was signed by a judge. we and our bankruptcy attorney have no knowledge of this and were never notified. 
9. Our servicer foreclosed on our home twice, never by our note holder. 
10. Payments have been misplaced for weeks by servicer or lost. We call 3-4 days a week and are told something different every time. 
11. I'm now on anxiety medication due to constant stress and fear of foreclosure. All we want is to save our home, servicer refuses to help. 
12. Just want to save home and figure out why we went from owing XXXX to over 700,000 because servicer refused to take our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, my Citibank credit card account XXXX was charged a " membership fee '' of {$95.00}. I was not aware of that charge nor did Citibank disclose it to me before it was posted to my account. I have never consented to the renewal of this " membership, '' and I have never approved the charge. 

I have not used this card for purchases for several years. Since I do not receive hard or electronic copies of the account statements for this card, I was not aware of and assumed there had not been any activity on this card during 2019. 

The first activity on this account in 2019 was the membership fee. Pursuant to instructions I had submitted more than a year ago, automatic payments of {$25.00} were then debited from my XXXX XXXX bank account on XX/XX/XXXX and XX/XX/XXXX as minimum monthly payments. I received no notice from Citibank that those payments were due or had been made. The only activity on this account in 2019 has been the membership charge and the two automatic payments. 

I have another credit card account with Citibank XXXX XXXX XXXX. On XX/XX/2019, I went online to check the outstanding balance of that account and the date a promotional interest rate would end. When I accessed the Citibank website, I was surprised to see an outstanding balance in account XXXX. I then searched the online statements for that account and discovered the membership charge and the automatic payments. 

I contacted Citibank customer service about the membership fee for an account I had obviously not been using and had no intention of using, and requested that Citibank cancel the charge and refund the amounts that had been automatically debited from my bank account. Although the person I spoke to was polite and seemed sympathetic, she informed me that because the membership fee had posted to my account more than 60 days ago, her supervisor advised her that the fee could not be cancelled or refunded. 

Citibank has mailing and email addresses for me and could have easily informed me of the fee and given me a reasonable opportunity to cancel my " membership. '' I suspect Citibank deliberately fails to ask its customers whether they want to renew these memberships because Citibank knows that, if given the chance, many customers would terminate their memberships. Taking advantage of these automatic renewals is obviously a source of profits for Citibank at the expense of unsuspecting consumers.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BCG Equities, LLC
State: OH

Complaint narrative:
I have some unknown addresses and accounts that are on my credit report. I have never done business with BCG EQUITIES LLC/ XXXX XXXX XXXX XXXX XXXX XXXX . I was told to file a report with the FTC and XXXX police for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Funding is claiming an account as being mine. They have filed a lawsuit for judgement without ever sending me a notice they are trying to collect a debt. I found this line item on my credit report and disputed it as well as sending a letter to validate the debt, which they received and signed for, on XX/XX/2019. Approx 2 weeks later, XX/XX/2019, I received a summons and complaint, filed by Midland Funding, who filed a lawsuit for judgement. I have repeatedly disputed this with them to no avail and they have failed to provide any proof of ownership of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
During the government shutdown in XX/XX/2019, Wells Fargo Home Mortgage offered my husband and I a loan program, which they claimed would allow us more time to pay our mortgage until the government reopened. We discussed the pros and cons with the representative in detail in XX/XX/XXXX, but at no time did Wells Fargo ever notify us that by accepting the offer we would be penalized by being prohibited from removing the PMI from our mortgage for two years. We only discovered that we would not be able to remove the PMI in XX/XX/2019, when we contacted Wells Fargo to discuss options to have the PMI removed, and learned that because we accepted the offer, we would be prevented from removing the PMI. We debated the issue back and forth with Wells Fargo representatives and they sent us several letters, for the most part admitting they failed to inform us, but claiming that they could not reverse the decision and allow us to remove the PMI. They wasted hours of my time, and caused my husband and I so much stress and heartache. Wells Fargo sent us a check for {$250.00}, and a letter acknowledging their error. But the expense of our PMI will cost us severely more than that, almost {$10000.00} over the next two years. We think this is unfair. And we wonder how many other home owners were tricked into accepting this program, only to find later that the program did more to hurt than to help.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN CAUSING SERIOUS DAMAGE.

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 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: VA

Complaint narrative:
I apply for an on line loan with Lending Club and was approved for an unsecure loan for 35K at a fixed interest rate for 5 years with a payment of {$980.00} by the XX/XX/XXXXof each month. I have been paying on this account for 3 years with a balance owed 26K. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XX/XX/XXXXpayment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XX/XX/XXXXand XX/XX/XXXXpayment and my XX/XX/XXXXand XX/XX/XXXXwould be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XX/XX/XXXX, XX/XX/XXXXstill no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On numerous occasions in the past and recently I have had individuals make monthly ongoing deposits into my business account for funds that are due me in my course of business When these individuals have made these deposits at the varied branches The teller whom is accepting the deposits is disclosing my private home address to these depositors when they complete the deposit slip address data I have complained to BofA on numerous occasions that my home address Is private and that they are violating my instructions not to disclose my home address and thus are violating my privacy rights. 
When the teller accepts a deposit the teller is hand writing my home address on the deposit as opposed to my business address on file. They are deriving this home private home address from their banking computer systems. 
All my accounts have the same XXXX XXXX business and primary mailing address with this financial institution none of them have my private home address. All my bank statements indicate only this address as originally set up. 

I have also reached out to the bank on several occasions in the past year about credit card offers that they were also mailing to my home address which I prohibited. They were instructed to cease and desist from that mailing practice which for the most part has been complied with I have digital evidence of the teller privacy violations on recent and past deposit slips. 
The past mailed credit card offers mailed to my home address have been shredded. 

I have spent countless time on the phone with customer service about this privacy disclosure violation and I have visited branches with the credit card solicitations pleading with them to please stop their mailing to my home address practice. 

I have attached just a few of many deposit slips which reflect the disclosure of my private home address in XX/XX/XXXX-XX/XX/XXXX I have also attached a proper slip of which there are many correctly showing my XXXX XXXX mailing address There are numerous others incorrectly and correctly completed There are also past incidents wherein on a personal acct they have also disclosed my private address

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCB Investments LLC
State: IL

Complaint narrative:
This company has called over and over about a debt that I don not owe. Has called even when asked not to. Threatened to damage my credit and also has not removed it from my credit even though I disputed the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am one of the tenant in New York, who was looking to sublease my apartment and posted an ad online for roommates. I got in touch with a person who apparently looked genuine ( said originally from XXXX ) and sent a check of XXXX XXXX which is way excessive amount of my rent ( XXXX $ /month ). The person reported that the company she is going to work was sending the check ( that includes rent, her transportation from XXXX, her living expenses as well ). I was so XXXX and XXXX to believe that and deposited the check into my Chase account on XX/XX/19. I was not aware how the check process works in USA ( am an XXXX Citizen ). So I thought, if it gets accepted by bank and I was able to see the funds immediately in my account, felt the check deposited was successful and sent a wire transfer on XX/XX/19 with XXXX $ ( to her friend 's account in XXXX, as she said she did not open bank account in USA yet ). My check deposited got bounced and wire transfer was successful with losing all money. I wasn't sure what to do. I immediately contacted the person whom I am renting to. She said there was some mistake and the company is going to look into it. Meanwhile I contacted my bank ( as it went to negative balance ), they said it was scam which then I realized and tried to proceed with the further process. However the process did not start immediately as my account was in negative and the bank could not help until it is active. The person stopped contacting me after three days of wire transfer. The bank were very helpful and attempted several times to get the wire transfer money bank ( from XXXX XXXX XXXX ) with minimal response. So I want to report if there is anything I have to do to request to get my funds through you. I would really appreciate if you can help me with this. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 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: FL

Complaint narrative:
Earlier complaint not addressed they sent me this falsehood. i have tried to contact them multiple times by phone can not get through they hang up or give another number same issue. Can not access through email receive this reply- Another end run! 
I have tried they do NOT connect as usual!!!! 

On Tuesday, XX/XX/2019, XXXX XXXX EDT, Experian Customer Support ( XXXX ) <XXXX> wrote : Dear XXXX XXXX XXXX : Thank you for contacting Experian CreditWorks Basic. I understand your concerns and apologize for the delayed response. I will be more than happy to assist you. 

However, you have contacted the Customer Member Services and I am unable to access the information needed to assist you. You would need to contact our National Consumer Assistance Center to process this request. Please give them a call at, XXXX. There may be a bit of hold time, depending on the call volume at the time you may call, and the representatives may only assist you with Experian information, not XXXX or XXXX. 


You can reach XXXX by giving them a call at XXXX. XXXX can be reached by calling them at 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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally

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