vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please add the following remark ( s ) to my XXXX  XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

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 2018-04-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and I sent my dispute to this company on XXXX.XXXX.18 attached with relevant documents for their verification but to my surprise these company is still reporting these fraudulent account. -- - this is not my account. I am not liable on this account. Delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On or before XX/XX/XXXX, I was contacted by a LOANCARE representative, who called to inform me that I was behind on my payments by {$140.00} dollars. 

I had previously paid {$2300.00} to cover two months of payments ( XX/XX/XXXX/XX/XX/XXXX ), and had intended to send an amount covering two payments, but for whatever reason, entered the wrong value. 

I provided the agent with my checking number and routing number for my XXXX XXXX XXXX Bank checking number, and the representative asked if I wanted to set up automatic payments for my account, or set up the payment for XXXX. I declined and stated I would set it up through my bank. 

On the XXXX of XXXX, the agreed upon amount of {$140.00} was drafted from my checking account. 

On the XXXX of XXXX my checking account was debited {$1200.00} by Loancare. 

This brought my XXXX account negative, I received a Non-sufficient Funds ( NSF ) fee of {$29.00} and the money was credited back to my account. 

XX/XX/XXXX On XX/XX/XXXX, the funds were redrafted as a 'second attempt ' and went through successfully as I had gotten paid by then. This new charge of {$1200.00} went through successfully. 

XXXX has provided me the trace number and customer ID for this transaction. 


XX/XX/XXXX On XX/XX/XXXX, a second charge of {$1200.00} was successfully drafted from my account by Loancare from my XXXX checking account. 

XXXX has provided me the trace number and customer ID for this transaction. 

This marked the third charge, and the second successful charge made by Loancare, without my consent, approval, or initiation. At this point I contacted XXXX and blocked all further charges made by Loancare for the amount of {$1200.00}. 


I first reached out to Loancare on XX/XX/XXXX via phone and email. 
I provided screen shots of my bank account when they were requested by a Loancare representative. I called weeks later to find out that these were not acceptable, and that I needed to provide more information. I gave the new representative the trace number for the first charge over the phone. 

In XX/XX/XXXX I attempted to make a payment to begin bringing the account to current, while continuing to try and resolve this issue, but at that time my payment was returned and when I called, I was told that no further payments would be accepted as it was being turned over to a law office as a foreclosure. 

My house is now endanger of being sold, and all I want to do is find the missing money and bring the account current.

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 2018-04-03 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: OH

Complaint narrative:
I reached out to XXXX to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

I provided the list- XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX I filed a complaint against Bank of America # XXXX. 
Complaint was close as of XXXX. Today I received the Mortgage Satisfaction ( SP ). 
But it was only released lien against deed on the land. I've called Bank of America 8 time. to inform them the title had come from XXXX. The SP had on information it about the title. I called the XXXX, found out that after I paid Bank of America {$930.00} in the mortgage contract inXXXX the title was transferred in my name. 
They failed to so they violated the terms of the contract. Law would call that fraud. 
Under SC Law the Bank had 90 days to get me all of the paper work, 138 days and counting.

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 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I have had a number of issues dealing with XXXX  XXXX in repaying student loans. The problems began when my balance was transferred from my original lender, XXXX, to XXXX : I was not provided notice of this transfer until after the fact, and two of my monthly payments went to the original lender, which was very difficult to get corrected. 

More importantly, once it came time to recertify for the IDR, which I was enrolled in through XXXX, I encountered one issue after another with XXXX. The deadline had passed due to issues on XXXX 's end, being unable to process requests due to high volume at that time. When the recertification request finally was processed, it was denied ; the reason stated on the website was that certain documentation was missing. I submitted the documentation and the request was denied again. 

In attempting to resolve these issues, I had multiple calls with XXXX reps, all of whom were unhelpful. My IDR request was finally " approved, '' but with an increased monthly payment ( from {$86.00} to {$320.00} ), even though my total household income and dependent information hadn't changed between XXXX and XXXX. 

This issue necessitated additional calls to XXXX reps ; again, none of which were helpful, and ultimately I was told that XXXX had no way of determining why my payments had increased so drastically. According to XXXX, because the initial payment amount of {$86.00} was set up through XXXX, XXXX has no record of the original IDR calculation and no way of obtaining it. This left me with no choice but to request forbearance for the maximum time period, which has now passed and left me with an absurdly-increased monthly bill that I can not afford.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: William C. Grossman Law, PLLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by XXXX bank. 

I called XXXX  today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IN

Complaint narrative:
On XX/XX/XXXX, I purchased a new heat pump and labor and warranty services from a merchant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, IN XXXX, ( XXXX ) XXXX. After attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and requests with the merchant to providing warranty services to repair defects in the installation, I had to involve another company to fix the defects in installation which XXXX ultimately refused to investigate and remedy on XX/XX/XXXX. 

Chase has not provided me with any satisfactory resolution of my dispute and redispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that this merchant did not provide all of the equipment, labor, and warranty services that were included in my original purchase. The amount of the original purchase price for all equipment, labor, and warranty services was {$2100.00}. The amount that I had to pay for the warranty services not provided by the merchant was {$1300.00}. This amount was paid to XXXX XXXX XXXX  XXXX XXXX and XXXX, XXXX . This amount of {$1300.00} is the ultimate amount that I am disputing was paid to this merchant services that were not provided. My disputes with Chase Visa were within the published time frame requirements for chargebacks to the merchant. Chase did not provide me with any information that they attempted to or did in fact correspond with the merchant regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
this is my 3rd attempt to correct this issue please see attached response from ARS attorney stating he will not delete bankruptcies vs the response he stated on complaint with CFPB # XXXX, where he stated if CFPB request that they delete inaccurate information of bankruptcies he will do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: MO

Complaint narrative:
I disputed 2 student loan account with XXXX  XXXX about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile on XX/XX/19. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my equifax has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both XXXX  and Equifax ONLY. The account numbers are loan # XXXX XXXX Account # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. 

He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. 

For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I want a check for the rewards balance earned. 
First I wanted it applied to the balance owed. 
This was not done. 
I then asked for a check. 
Their reply is jibberish about travel miles application. 
I'm not going anywhere so I requested A check again. 
Their web site is non navigable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: BARCLAYS BANK DELAWARE
State: SD

Complaint narrative:
I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.

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 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp
State: MA

Complaint narrative:
I received a phone call stating my loans would be forgiven with in 10 years for {$49.00} a month. It was stated that this organization was started by Barack Obama to help students relieve debt. They requested my FSA PIN and my loan providers information. At this point they created an email address for me and forwarded documentation for me to sign. I hung up and was immediately called back being bullied to continue working on this loan forgiveness. I read the agreement and was told on the phone to hurry this up because with in three days the plan would expire and I would not be allowed to continue with forgiveness of my loan. The gentleman on the phone signed all my paper work for me with my initials and then signed the document for me. I kept explaining that my address with in the form is wrong, most other facets of the form were wrong. He told me it didn't matter and please verbally agree to the loan. I did not. He did not respond and immediately said thank you and hung up. I called and no one answered or it was picked up and immediately hung up. At this point they did not contact me again, my loan service provider called to let me know my loan is now into income based repayment plan. I am now paying that company for contacting my loan service provider and not actually helping me with my loan. 

I have attempted to call them multiple times which has been met with a hang up. The emails are responded with friendliness but when I call to ask for a refund or cancel I am hung up on immediately. I attempted to stop the automatic payment, the website just has an " error '' on it. I attempted to call my loan service provider and found all my information had been changed, my address had been changed, my email and phone number were changed. 

Initial contact date XX/XX/XXXX Total amount to refinance {$1000.00}. I was told this would forgive my entire student loan amount. 
XX/XX/XXXX Requested {$90.00} to complete the process for loan forgiveness XX/XX/XXXX refinance is completed XX/XX/XXXX out of fear and wanting to get the loan down quick I paid {$120.00} XX/XX/XXXX pending {$49.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation