vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 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: NC

Complaint narrative:
Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: IL

Complaint narrative:
Loan number XXXX Pacific financial union think in XXXX XXXX I called them they told me to send XXXX I sent XXXX they said not enough sent check back every month after I sent the XXXX plus XXXX .my house payment is about XXXX a month .every month they send back saying not enough .I need help need to get away from them they did this last year to so fustruting. Help please I do n't wan na lose my house .XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I have a car loan through American credit acceptance for a XXXX XXXX XXXX  The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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 2017-06-21 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: TX

Complaint narrative:
I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report.

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 2017-06-21 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: CA

Complaint narrative:
i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. 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 2017-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I recently discovered Spotloan C/O Blue Chip Financial is a tribal lender and not authorized to extend loans to California residents. I sent a letter offering to pay the principle balance of the loan even though I am not legally required to do so, and received an email refusing my offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.

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 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX | Trans Union | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter 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 2017-06-21 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX Experian has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter 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 non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I, XXXX XXXX XXXX CITIZEN ( XXXX ) WITH CREDIT CARD BANK OF AMERICA SINCE XX/XX/XXXX ( EXCELLENT PAYMENTS ) GOOD! CARD CLIENT STARTING CREDIT LINE ON XX/XX/XXXX {$300.00} IT CREDIT LINE HAS BEEN KEPT DURING 9 YEARS WITHOUT ( INCREASE ) THE CREDIT LINE. I TRAVEL TO VISIT MY MOTHER OF XXXX YEARS OLD SICK! AND BE IN FAMILY SINCE XX/XX/XXXX. I TRANSFER FROM MY XXXX XXXX CHECKING ACCOUNT {$80.00} TO MY CREDIT CARD BANK OF AMERICA FOR A TOTAL OF {$380.00} COST OF TICKET {$330.00} BUT IT WAS DECLINED. BECAUSE..BANK OF AMERICA SOLELY SEE THE CREDIT LINE BANK OF AMERICA DO NOT SEE THE EXTRA DEPOSIT. ( BECAUSE ) IT IS THE LAW OR POLIZA.OF THE BANK..ACCORDING TO XXXX XXXX. SPECIALIST. CONTACTED BY XXXX BANK OF AMERICA. I WENT TO MY XXXX ACCOUNT AND MAKE ANOTHER TRANSFER {$70.00} NOR WAS ACCEPTED DESPITE THAT THE TICKET WITH XXXX XXXX COST OF {$340.00} XXXX XXXX XXXX SAY SORRY IT WAS NO PAID BY YOU BANK INSTITUTION. ( SEE ) Record Locator : XXXX We were unable to process your flight reservation request. To ensure that your travel plans arent interrupted, contact XXXX at XXXX to make alternate payment arrangements. If we havent heard from you within 7 days of this notice, your flight reservations will be automatically canceled. Please refer to the above record locator when speaking to a representative. THEN I AUTHORIZE TO MY DAUGHTER TO TAKE {$200.00} DOLLARS AND WITH OTHER CASH PAY THE TICKET IN CASH.

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 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.

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