vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I requested proof of standing that I was paying the correct servicing company. I also requested full disclosure and complete accounting history of the alleged debt, however I have been continuously harassed by alleged agents coming to my property without prior notification which has been highly embarrassing and degrading. Please have this company to comply under the FCRA/FDCPA and truth in lending act or void this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am veteran, I received my letter on XX/XX/XXXX of XXXX XXXX XXXX  XXXX. I was approved by my county effective XX/XX/XXXX, I am exempt of paying property taxes. I notified Chase immediately! After being bounced from department to department. Finally, I spoke to the correct department that said they would remove my taxes being collected to my escrow account effective XX/XX/XXXX. I am behind in my payments, thinking this would get me caught up. Today, I am still in the same boat. I called back in beginning of XXXX to check when they would stop collecting taxes from my monthly payment. They stated they didn't have a record ( they have recorded calls?? ) and that they would enter it in that day it would take 5 days. I called back today and they stated it would be effective XXXX payment. I don't have the income for them to keep playing with ME! The weird thing is that I made a payment in XXXX and it was only {$2500.00}, which was my monthly payment minus taxes. I am trying to pay {$2500.00} again they say you owe {$3400.00} and wont take anything less. I AM SO CONFUSED! I just want them to stop taking taxes, recalculate my payment so I can get caught up. This has made me stressed and distraught. This situation has set off my XXXX, I went to XXXX for the XXXX XXXX XXXX and that was easier to deal with than dealing with CHASE. I don't think I am asking too much! I just need someone to stop what their doing and pay attention. I don't have the money to wait to see if it is effective in XXXX they might take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This loan was originally opened around XX/XX/XXXX. As with another payday loan I have been having problems with paying this loan twice month. On XX/XX/XXXX I withdrew their ACH authorization to withdraw funds from my checking account. I have had to close that account. The payment negotiations they have provided still have twice a month payments. According to my records I have paid {$1600.00} on a {$750.00} loan. I live in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: DC

Complaint narrative:
I, XXXX XXXX, applied online to a group of companies offering personal loans. 

I was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's " Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses. 

Bright Lending is believed to be working from an " off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers. 

My goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US. 

It is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Since XX/XX/XXXX we have had a first and second mortgage with Wells Fargo. Both loans paid monthly, never late, and additional payments made to principal. In XX/XX/XXXX we went to Wells Fargo office in XXXX, met with XXXX XXXX to refinance loans. We spent several hours with XXXX, filling out paperwork. Returned within 3 days with additional documents requested ( hand delivered, not lost in mail ). In XX/XX/XXXX received Notice of Action Taken and Statement of Reasons informing us our application denied. 
The reasons were inconsistent with facts and figures we provided. Correspondence with W.F. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX confirmed that W.F. had not used the documents provided, but had used erroneous figures, faulty math and miscalculations to arrive at incorrect conclusions. Each representative was asked to explain their calculations, each used different figures and always incorrect figures. All documents requested by W.F. were delivered to W.F. W.F. did not consider all documents. W.F. either ignored or inconsistently replied to questions and requests for clarification of their miscalculations. W.F. did not treat us fairly. Refused to refinance loans because of our age and their concern that we would die before the loan was paid. W.F. refused to refinance in order to maintain a higher interest rate, and thus a higher payment.

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 2019-04-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2019 Chase sent me a letter that they are ending their relationship with me. They immediately closed the 3 cards I had with them and my checking account. No reason was stated and I called several times to resolve the issue with no resolution. I have been a chase customer for over 8 years and have always been a loyal customer never missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/2019 CARE CREDIT customer service rep gave my care credit account number to the office manager ( XXXX ) at XXXX XXXX XXXX XXXX when i was unable to get that number a day before she called to obtain it. She is also the only one that can change the interest rate on this account. I beleive that i was not given an interest rate according to my credit score as it was at the time nearly 800. which should get a much lower interest rate then 16.90 %. I also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either. I believe that sychrony bank, care cr4edit and XXXX. XXXX XXXX dds are ingaging in preditgory lending, unethical and deseptive business practics.

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 2019-04-15 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: GA

Complaint narrative:
This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My VISA card has been debited by Experian the following for services I did request, elect, purchase, or agree to for any reason :XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00} Total {$100.00} I have repeatedly called XXXX the number shown on my Visa card monthly statement and the number shown on the Experian website, XXXX when I enter my SS 3 as requested by their voice response system it says I can't cancel my 'FREE ' Experian account. I have attempted to contact them to no avail on multiple occasions. 
I have also contacted my VIA bank and disputed these charges with no result.

I have now cancelled my VISA card and am reluctant to get another card due to Experian 's ability to access my CC card account and continue to bill me for this service I have never requested or used. The voice response system at Experian says I need to setup an account to login to Experian to manage my account, which I know better than to do. This would only verify the validity of my account and justify their billing.. The XXXX email address Experian is contacting me at is an email I never use, except when it is required and I don't want to be contacted any further. 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 monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MIB Group, Inc.
State: NY

Complaint narrative:
The agent I talked to XXXX at XXXX today XX/XX/19 told me he couldnt gaurantee they wont cancel report sent to the reporting agancy called MIB. I also verified email requesting coverage was sent 7 days ago on my email it says delivered. MIB Its a medical information agency that makes a file on me for other insurers. The agent I worked with continued application for life insurance against my will. I asked to cancel the request before a decision rendered due to inacurracies on my medical file. I dont want my information reported by XXXX, or by XXXX  to MIB or other reporting agencies and hes not insured to work in XXXX. My personal information was requested to my doctors office against my wishes and now I have a file with MIB. They reported information about me using with spouse XXXX address. Also note the pre qoute application didnt have what I told to agent. He qouted me the non XXXX rate, and XXXX XXXX rate i believe. I told my agent everything and I know although the medication causing XXXXc problems is now gone since I went off the drug I have a black mark on my record. I doubled checked the email and it was sent to there office. The email is marked as delivered 7 days prior to the denial for coverage. He misrepresented the cost to me and put me in a position to be denied aswell. I should of had this file closed per my request. Not have them continue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
XXXX credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: GA

Complaint narrative:
This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: OH

Complaint narrative:
I'm experiencing some major difficulties in obtaining loan information. I'm in need of a Master Promissory Note. The U.S Department of Education explained that my original loan provider, has the needed information. I have contacted XXXX XXXX a number of times and haven't heard a response. In order to pay this loan off I have to verify that all the information, that I have gathered, is in accordance with the Master Promissory Note. I had contacted XXXX XXXX a number of times in the past and requested the Master Promissory Note but they sent me disbursement statements. The information that I have didn't correspond with the disbursement statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXX Phone XXXX Fax XXXX I have been trying to contact HSBC concerning my Deed of Release. They are the servicing agent listed on XXXX. MIN:XXXX I need to clear this matter up ASAP. HSBC is " Clouding my Title '' and preventing me from getting a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: WA

Complaint narrative:
The following charges were made on XXXX XXXX 's Citibank credit card without his permission or knowledge : XX/XX/19 {$1000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/19 {$45.00} XXXX XXXX XXXX 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 2019-04-15 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo pulled my credit THREE times for the same credit card application. I only authorized the first hard pull and expressly declined permission for any further hard inquiries. 

On XX/XX/2018, I applied for a Wells Fargo credit card with a credit inquiry that was authorized. Wells Fargo misread my XXXX credit report and declined me for being deceased! ( XXXX has verified I was NEVER erroneously listed as deceased ). When I called Wells Fargo 's reconsideration phone line to have the error corrected, they promised the report would be reconsidered and correctly read WITHOUT a duplicate hard inquiry. This promise was not honored. Despite the fact I did NOT give permission for another inquiry, only to re-read the existing report to verify it had been misread, Wells Fargo entered a second inquiry on XX/XX/2018. I then visited a branch to have the duplicate inquiry removed, which the bankers promised to do and they called a corporate office on speaker phone and I heard them request correction. Instead, a THIRD inquiry, unauthorized, appeared on my XXXX credit report on XX/XX/2018. 

I have TWICE sent a formal letter in writing to XXXX demanding correction. The company has failed to respond.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This is a written request to get copies of my consumer report, my identity has been compromise in pass data breaches, I may have account in my file that do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started a XXXX XXXX account in early to late XX/XX/XXXX and I had no credit score when I first created the account. In early or late XX/XX/XXXX, I noticed that I suddenly had a credit score and a credit card had been open under a fake name and what I assume a fake address. I tried contacting Capital One that night, but was not successful at getting ahold of a representative, because I did not have the account number or credit card number associated with the fraudulent account. I also noticed that an XXXX XXXX XXXX bill had appeared on my XXXX XXXX account along with XXXX. I have never been with either company. I have reason to believe that, the person may have gotten ahold of my social security number somehow. I'm in the process of contacting Capital One by mail and hoping to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX., does not own debt and is not authorized under XXXX to collect on debt correct amount {$150.00} as evidenced with incorrect collection amount XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
At the beginning of XX/XX/2017 I got a phone call from a company that I thought was my timeshare, claiming I owed {$6200.00}. I then paid them on my chase credit card # XXXX. At the time I was dealing with my son being deathly ill and wasn't paying too much attention to my bills. After a few months I realized this was not my timeshare that called me but instead was a company trying to scam me in the timeshare industry. So my friend helped me contact my chase card and we let them know that I was lied to and taken advantage of. Then, chase credited me back my money. I then asked chase to issue me a check for the money and then closed my account. I was very happy. Two months later, Chase contacted me stating that they wanted the money back which I feel is completely unfair and I should not have to pay. What kind of card company would do that to their customer? I am very upset with this situation and I feel as though I am being taken advantage of once again. I do not feel like I am liable to pay something that I should never have been charged for in the first place. I am elderly and do not agree with how I am being treated as a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have 2 charges that were made on my account early morning for XXXX and the other was for XXXX that was not made by me. I had to work that day I work of XX/XX/2019. I have recently sent information to the cfbp to informed them that my account was now closed due to the multiple times trying to recover the amounts on the account. Attached is a copy of my schedule in which I was working when the transactions took place and also in the previous case XXXX I had sent a police report showing the events that took place. 

please review my old case as well because both of them go together

Company response to consumer: Closed with explanation