vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

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 2018-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My hardship started in XX/XX/XXXX. I was injured at work by making a wrong movement pulling a heavy object. I underwent XXXX immediately after and went without work for many months, which caused me to fall behind in all of my bills including my mortgage payment. When I came back to work I encountered earning s reduction and decreased in working hours. I had been searching for a 2nd job to supplement the loss. I reached out to JP Morgan Chase, the servicer of my loan to request for a loan modification. My first attempt was XX/XX/XXXX. They cancelled my application stating that I did not supply all the documentation they needed, when I have evidence I did. The single point of contact was XXXX XXXX. The second time I reapplied was XX/XX/XXXX. I submitted a complete package to Chase and from there on I've been given the running around with respect to my income. I utilized my wife 's income as she is a contributor to the family budget, which Chase neglected to recognized so they declined my application again. Meanwhile, I was able to secure income by start working for myself. I presented the Chase, with my bank statements reflecting the necessary income to qualify. Now Chase, more particularly XXXX XXXX who acknowledged the reapplication out of XXXX, TX stated that short after that the modification was declined due to the fact that they will not take in consideration my self employment income because is not reflected in my XXXX tax returns, knowing that I have been XXXX XXXX only in XXXX. 
Per representative the only time they can use the XXXX XXXX to apply for assistance is when said income is on the tax returns for 1 year, which contradict FHA Guidelines. I have an FHA LOAN. 

SUPERVISOR XXXX IS THE SUPERVISOR VP MANAGER AND XXXX IS THE REP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank requested that I update my account information, which I have been doing for the past several years. Each time I speak to them, they claim to have updated my information. For months they have been threatening to close my accounts. I have received mail and this alert also appears each time I sign into my online account. It has caused be serious stress throughout this time and has consumed hours of my time on various phone calls to address this issue, which each time, in spite of their promises to resolve it, remains a problem. I live abroad and my access to my account is crucial to my well being and security. In XX/XX/2018, I had another call with a representative who promised this would be resolved and escalated to analysts to have resolved. And when I called again in early XXXX, they promised to escalate this to their analyst yet again and that I would hear within 48 hours by email and by phone. They never reached out to me. Today ( XX/XX/2018 ) I called again because I continue to receive the same ominous messages and threats and they continue to claim it will be resolved without a clear confirmation. I am still receiving these threats, which they are not taking seriously. They have kept me on hold for hours and have ignored my requests. I am unable to terminate my account and move my funds and all direct deposits because I'm an expatriate living abroad. This is unacceptable and their negligence is a clear indication of their discrimination of their customers who are not large profile business accounts. They have violated their own terms of service with their customers and I am requesting that action is taken as soon as possible.

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 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
There is a debt reporting on my account from national credit systems in the amount of {$4000.00} which is not a valid debt. Its a lease agreement signed with an electronic signature, no documentation related to the lease belongs to me clear indication of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: ME

Complaint narrative:
There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my XXXX and Equifax credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my XXXX and Equifax credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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:
Equifax merge somebody else 's credit report with mine and the dispute process was a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a charged off account with Wells Fargo and received a XXXX statement. I disputed the account and provided the documentation to corroborate the dispute. 

The account balance was corrected and placed at {$0.00}. 

Wells Fargo did not correct the account with all of the credit bureaus and now added the old balance back to the credit reports in violation of the FCRA and FCBA. 

I have sent numerous letters and it is not corrected.

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 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XX/XX/XXXX purchased tickets for XXXX XXXX XXXX through XXXX in the amount of {$1200.00} XX/XX/XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XX/XX/XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XX/XX/XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the XXXX host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX Even though XXXX has sued XXXX, it refuses request to send a letter citing " lack of contractual obligation '' XX/XX/XXXX I  reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a XXXX ticket XX/XX/XXXX-XX/XX/XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. XX/XX/XXXX XXXX responds with the same generic message XX/XX/XXXX Bank of America requests documents but notes that the final decision is in the hands of the merchant, which is a scammer. XXXX will certainly refuse and take my money. XXXX is subject of lawsuit in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, the XXXX and XXXX. It has been fined in XXXX. XX/XX/XXXX Filed complained with the FTC, though it says it can not intervene in individual matters. Encouraging " Victims of XXXX '' who are based in the US to do the same if XXXX refuses to refund. Bank of America is putting me in an unfair position with a scammer.

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 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
GRANDVIEW FINANCIAL SE Account Type Installment Loan Terms 48 Months Payment Status Details Charge-off Status Updated XX/XX/2014 Balance {$8600.00} Past Due Amount {$8600.00} Contact Phone ( XXXX ) XXXX-XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$12000.00} i returned the card to them and they told me i won't have any balance left on my credit report after i gave the car to GRANDVIEW FINANCIAL SE i saw that there was a cargeoff account on my credit report i contact them they told me there is damages on the car but they didn't tell us anything when we returned the car. so please ask them to remove this negative information from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

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 2018-09-20 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: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc
State: AZ

Complaint narrative:
A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. 
I believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. 
2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. 
3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. 
4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. 
5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. 
6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. 
Altogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 Valley National Bank ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )
An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
______________________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase Bank sent me an aggressive reply on this portal trying to verify their inaccurate reporting on my credit file Chase is attempting to validate charge offs with paid receipts from two PAID car loans through their company. On this date XX/XX/2018 Chase Bank is unwilling or unable to provide contracts bearing my signature obligating me to pay the amount theyre claiming.Attached is an FTC opinion letter in reference to what CHASE BANK is attempting to do. Chase is breaking the law and reporting inaccurate information. Help me obtain letters from Chase I requested contractually obligating me to pay the amount charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have many XXXX credit cards that have been opened since my bankruptcy in XX/XX/XXXX. I have NEVER even been 30 days late on a payment with any of my cards. I went through a divorce in XX/XX/XXXX and my credit was affected, however I have worked hard to reestablish credit. I have been responsible and have always paid on time. XXXX for what ever reason has decided to lower my credit lines and even close some of my accounts. The reason given on the letters is bankruptcy and high balance. My high usuage is reflected as a result of them lowering my available credit for no reason other than because they felt they can. My bankruptcy was in XX/XX/XXXX which was prior to all of my XXXX accounts even being opened and as I said I have never been late on any payments. I do not feel it is best practices to randomly lower my credit lines when I am paying all of my accounts on time and no new purchases were being attempted. This has caused my dti to go higher and my credit score to continue to drop as a result. It should not be legal to lower an established credit line because of information reporting on my credit bureau that was reporting when the account was opened and given credit line increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm a victim of identity theft. Even though I did not have any credit card from American Express, someone apparently used my ID information, opened a AmEx credit card in XX/XX/2017, and made purchases for about {$8600.00} using the card. I made several phone calls to the American Express office informing that the debt was from an identity theft. I reported the ID theft crime to ( i ) Police Department ; ( ii ) FBI ; and ( iii ) FTC. I sent all of the reports ( police report, FBI report and FTC ID Theft report ) to American Express to show them that I was a victim of identity theft and asked them to close the unauthorized credit card account under my name and remove any charges on the account. However, American Express said they are unable to accept my claim since I RECEIVED AND USED THE CARD ISSUED IN MY NAME although I never received the card and never used it. I requested all of the information provided to American Express at the time of the credit card application. American Express provided the information to me. Among the information, the person used a XXXX XXXX address and additional card member 's social security number and birthday which does not belong to me. Although I appealed American Express that those information is not mine, they are still not willing to accept my claim. Rather, they recently hired a collection agency to try to collect the debt that I have been disputing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2018 Chase Credit card company keeps calling me every couple of hours about a debit I owe them. I have already set up a payment to pay off the partial debit that is owed of XXXX I told the latest agent that called to please stop calling and they said that they can call how ever often they want to.

Company response to consumer: Closed with explanation