vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have several hard inquiries that are effecting my credit report tremendously! I would like them remove because I was not inform that they would have an effect on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX WA, XXXX XX/XX/XXXX XX/XX/XXXX XXXX TX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX MD, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX UT, 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 2017-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MD

Complaint narrative:
Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX I failed to pay my monthly amount due of {$620.00}.
On XX/XX/XXXX, I requested my original loan documents via fax and they were never produced.
On XX/XX/XXXX I received the first collection call at XXXX XXXX from XXXX. 

On XX/XX/XXXX I received a collection call form XXXX. 
I spoke to a representative of AES and told her that I could not continue to make payments because I had been unemployed and would not be able to catch up until XX/XX/XXXX at the earliest. She told me she would send it to the workout team and let me know. I asked them to stop calling me. I never heard back other than the constant harassing phone calls. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received collection calls form XXXX at XXXX and XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX. I placed a call to XXXX and spoke with XXXX, Agent ID XXXX. I told her that my request for original loan documents had not been received and she said I would get them in another 10 days. I reiterated my request that they stop calling me since I was unable to pay my loans and that I would not be able to begin making payments until at least XX/XX/XXXX. She said they would not stop calling me until the loan was " processed out of their system ... in approximately 180 days. '' On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. 

On XX/XX/XXXX I missed another installment of {$620.00} plus late fees from the missed payment in XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received a collection call from XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!

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 2017-09-19 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I am a very active XXXX XXXX XXXX XXXX widow who competes in national and international swim competitions with state and national records, paints, dances, does powerlifting, plays the piano and attends live performances of classical and contemporary music or opera about twice a week. 

In the interest of meeting a single XXXX with similar interests I met with XXXX of XXXX XXXX XXXX XXXX ( hereafter XXXX ) on XXXX XXXX, XXXX. After being assured that XXXX could do that I paid {$3300.00} to XXXX. That sum was charged to my XXXX XXXX card and appeared on that account on XXXX XXXX, XXXX. 

Sometime after that XXXX called and offered XXXX as a match. He was described as retired, educated and a good match for me as he likes to exercise and enjoys music. 

On XXXX XXXX, XXXX I met XXXX for coffee. I was shocked to learned that he was still married, is XXXX, likes solitude, his only exercise is walking and for music he had attended XXXX live jazz performances during the past year. XXXX spends most of his time babysitting a grandchild. 

None of this was disclosed to me before I agreed to meet XXXX. I do not date married men. XXXX holds itself out as a XXXX matchmaking service. I have in the past not dated anyone XXXX. This should have been disclosed to me in advance. XXXX interests and level of activity are no where close to anything that interests me. 

Since XXXX failed to perform I contacted it to cancel our agreement and request a full refund. XXXX refused. 

On XXXX XXXX, XXXX I sent a letter to Chase XXXX disputing the {$3300.00} charge on the basis that XXXX had not performed its obligations under the agreement. 

On XXXX XXXX, XXXX XXXX XXXX sent me a letter refusing to reverse the charge saying that XXXX had not promised a refund. I never claimed that XXXX had promised a refund. 

On XXXX XXXX, XXXX I sent another letter to XXXX XXXX pointing out, among other things, that I had never claimed that XXXX had promised a refund. I asked XXXX XXXX to reconsider its original decision and reverse the charge. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to me saying saying the charge was valid because we are unable to support that a billing error has occurred on your account. I never claimed that a billing error had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Complaining about not assisting me with inaccurate credit report information. Inaccurate credit inquiries on report. 

XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX/XXXX - XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX

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 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --

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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. 

I was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). 

XXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically " well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she " thought '' it was taken care of but not totally sure or how long it would take to fix it. 

I visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the " writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. 

The poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.

Company response to consumer: Closed with explanation