vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I initially reached out to the DBO because we were seeking assistance with modifying our home, as we had not yet be asked or given any chance. In our initial email to Freedom Mortgage, and per their direction on their website and MAA package, we were to email them at " XXXX '' on XX/XX/XXXX. Within that email, I outlined exactly what was attached to the email : Financial Statement, Verification of Hardship ( Letter ), Signed 4506-T Form, Proof of household income : ( pay-stubs for the last 30 days, and IRS tax returns ), Bank Account Statements - 2 most recent, and an Authorization from our BK Attorney, so that they may contact us directly. Upon sending that email, we received an email confirmation. We later received a letter from Freedom Mortgage requesting a Hardship letter and a copy of our XXXX tax returns. Within that letter, they requested that the information be sent to them no later than XX/XX/XXXX. Please note, this information was sent to Freedom Mortgage on XX/XX/XXXX, via email. Of which, we received another email confirmation back from them. Today ( XXXX XXXX, 2020 ), we received a letter from Freedom Mortgage dated XX/XX/XXXX, indicating they have " ... closed our review ... because they did not receive ... " Properly Executed IRS Form : 4506-T and Documentation to Support Hardship. '' Please note that the 4506-T Form provided was what I downloaded from their website. At no time did anyone contact us or provide us with any information indicating what is not " proper '' about it? You would think we would be given a chance to correct it, assuming it's not accurate? Additionally, at no time did we get asked to provide " Proof of Hardship. '' We were only asked to provide a hardship letter. Shouldn't that have been something they should have said from the start? Instead, they decided to close out our review and not give us any chance at all. This again shows that they are not trying to help us, as customers retain our home. Please note that I do not have any messages or calls from any, either. Which, I provided them proof of authorization from our Bankruptcy Attorney, so I'm not sure why we didn't receive a phone call or a letter with these specific requests?

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 2020-02-11 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: DISCOVER BANK
State: GA

Complaint narrative:
RECENTLY APPLIED FOR A DISCOVER CREDIT CARD & RECENTLY BEEN APPROVED FOR {$7500.00} LIMIT WHICH FOR SOME REASON WITH NO EXPLANATION OR ANYTHING MY ACCOUNT GOT CLOSED, WHICH IS TOTALLY UNFAIR & WANT THE SERVICE BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
See uploaded document dated XXXX ; CHASE BANK unlawfully foreclosed on Complainant and sold his house to XXXX XXXX for {$10.00}, XXXX dollars, using the Law Firm, XXXX and XXXX, XXXX. This Law Firm used 3 banks outside of the chain of title, XXXX XXXX being the bank that has the most recent security. It appears as though every reference to XXXX XXXX   has disappeared in the Deed and Record room of XXXX County Georgia. The private contract on file : XXXX  XXXX XXXX XXXX US XXXX at Department of Justice, DOJ, dated XXXX shows that XXXX XXXX  is in the correct chain of title, and a also shows a TRUE BILL and commercial lien on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My student loan is showing charged off ( from my annual credit report and mortgage lender credit pull. I attended XXXX XXXX in which the school lost its accreditation. I submitted proper paperwork a couple years ago and itshas been going on for years. I saw that its on my credit report now as a charge off because of the class action lawsuit. I am a XXXX military veteran looking to use my VA benefit but because its student loan is showing up as charged off ( no fault of my own ) i am presented with being unable to purchase a home via VA or FHA for that matter. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have problems with lobel financial. because they want to charge me penaltiesor " coverage '' like they called it for insurance coverage. something that I had been paying since I got the vehicle. my insurance policy hasn't change that's why I don't get it because no other bank has I ever had that problem.this same problem I had at the begining and I was asked to send the paper work which I did and didn't espect to go through the same problem every year. I just hope you can help me fix this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX takes my old loan off then a few months later they add it back on saying its past due.

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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went to Chase bank that i have banked with perfectly fine for 3+ years iv had my XXXX kids who are adults now even open accounts. i have worked with the same company for 3+ years i recently switched as of XX/XX/2020 to get my paycheck instead of direct deposit my first check as of 2020 i received XX/XX/2020 & i deposited in ATM my check was {$1700.00} first night it let me have {$500.00} & released the rest the next morning so i assumed hey its maybe because i always got direct deposit that the bank is just double checkn things but now my next paycheck comes today about {$1600.00} & i walk in to deposit this time & the teller looks at me in my scrubs and shakes his head and says '' your lucky if i can even give u {$200.00} for this its a " XXXX " check but i personally bank with chase. so i politely told the rude teller who obviously had anger issues with XXXX, so i went over to ATM as i did the previous paycheck but now i have NO access to my money the whole entire paycheck. Is on a 10 day hold i dont have {$1.00} to my name and when i got back into the line the teller jjust threw his hands up and laughed and said i cant do anything and nobody in this bank can do anything to help you & he said dont bother asking for my manager because he wont help you either. i work 80+ hours a week at times XXXX XXXX XXXX XXXX and i litarally didnt know the bank can take my whole paycheck and refuse to give it back or to answer any questions & after my check was deposited i was NO longer allowed to get {$200.00} according to the sarcastic XXXX XXXX hating teller i had. I looked up the different holds the bank can hold my paycheck under & i was supposed to be offered some of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I bought a XXXX XXXX Van brand new from XXXX XXXX off the XXXX XXXX. My husband insisted on buying the van on the same day I was diagnosed with XXXX XXXX after being at my XXXX XXXX office for four hours. 
We traded in my XXXX XXXX XXXX that had XXXX miles. I was not in my right mind making a decision on a new car ; let alone {$600.00} a month note. 
Then a year or so later, we got it refinanced under Chase Bank for the remaining balance which made it {$540.00} a month. Still too high for me. 
I've been struggling trying to pay this van off. It was ( I think originally ) bought at {$37000.00}. I've been out of work off and on. I regretfully been using the money for in-between times until I could go back to work. Now, I'm battling with XXXX  ( XXXX XXXX XXXX XXXXXXXX ) beyond Stage XXXX and on XXXX. I thought I was almost through paying on this car. Now Chase Bank is saying I owe {$10000.00} in fees and late payments. Omg! I just want to be finished paying for a night mare van note that I never really wanted. 
Please help dispute Chase Auto Finance. 8 years is too long to be in debt to a car. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: HW Holding, Inc
State: NM

Complaint narrative:
We moved into a trailer park and when we got there we needed to work on the trailer due to EXTREME UNLIVABLE conditions. We needed to redo pipes. The toilet, a/c, buy a refrigerator, remove countertops and redo carpet and tile flooring because it was cockroach infested and there was inches of carcasses in the home. We lived there for less than 2 weeks and when we put our 30 days the owner would refuse to help us or respond or call as if he was not a real person, and was afraid to contact us. Also my ex husband was the one who had it under his name. And the trailer manager had asked for my social security info because I lived there, even though I was just living there and was not the one who applied. Also my grandmother lived 2 doors down for a very short period of time due to the same reasons. And the company is charging 3 people who lived there the full rent amount. Also they kept our security deposit of XXXX $ and we paid the first months rent and after a week of living there there were roaches in our food and we killed over 100 a night during dinner time. It was awful and we were forced to flee the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: COMMERCE BANK
State: VT

Complaint narrative:
I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: SC

Complaint narrative:
Hello, I have been monitoring my credit report online. I do not authorize the information listed below and request that you investigate the source of these accounts/inquiries and Validate that the creditor had a permissible purpose, and is able to validate all information they are reporting as accurate. I was told that I can not dispute directly with Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Upon your investigation, under Metro 2 compliance I request the validation documentation  between you and the Original furnisher showing the complete file Information And every piece of information being reported is accurate. If you can not provide the requested information above within 30 days of receiving my letter Or if any information Being reported can not be validated with metro 2 compliant documentation, I Demand that The following Items be DELETED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX Account # XXXX XXXX XXXX Validation of all information reporting from the original creditor And Transunion requested.

Thank you for your prompt assistance in this matter.

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Numerous tries to pay a large amount towards principal balance. My last call was today XX/XX/XXXX and after being on hold to speak to supervisor was told to send my payment wire transfer to XXXX XXXX ABA # XXXX A/C # XXXX. I called XXXX XXXX at XXXX and they do not even have my account, the a/c # I gave them they told me was inactive since XXXX. Called Lakeview # XXXX to speak to a loan specialist and they gave me a different number which is not in service # XXXX. XXXX is suppose to be handling my mortgage but supposedly they only take the payments for Lakeview. The number I have for XXXX  is XXXX. Can you please help me? I am unable to talk to anyone that knows how I can make a large principal 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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Opened a HOME DEPOT.COM XXXX credit card and on XXXX XXXX XXXX charged a purchase for {$22.00} Received email with bill. I asked what is best way to pay. No response after several requests. 

On XX/XX/XXXX A late fee was added LATE FEE {$22.00} On XX/XX/XXXX PAY-BY-PHONE PAYMENT XXXX IL {$22.00} But only {$22.00} was actually paid. 

Stopped using the card. 

On XX/XX/XXXX statement read Minimum Payment Due {$46.00} Payment Due Date XX/XX/2020 XX/XX/XXXX statement does not show XXXX payment. 

Also not allowed to make full payment XXXX online through my bank. Only allowed if Autopay is selected. 

Have attempted to cancel card but no response. 

This HOME DEPOT credit card is deceptive and website is difficult to use .This in my mind constitutes predatory practices.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My dispute is with Equifax itself. My complaint is this : I recently been informed that Equifax has been breached again by four XXXX XXXX. The last time they were breached my info was compromised and if they can not keep my private info safe then I dont want them utilizing my info in any way at all. Why should they be able to have a hand in major credit decisions in my life when they have failed time and again to keep my info safe. I'm really alarmed at this new breach because my identity was compromised and I'm still having credit issues with the last breach. I would like to file my own personal suit against them for incompetence which is my right. They hold too much power too be infiltrated so easily. I would like compensation and I wan TV my precious info removed from their databases before XXXX XXXX they hurt me in a way that I wont be able to recover from. This info is my life and sacred and I expect Equifax to keep this info protected as they promised that is my binding contract with them and they gave breached contract too many times now for me not to take action on a personal level not a public lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a quicksilver credit card that ends with XXXX with capital one that has been open for 6 years. I got behind on payments so I was placed on a payment plan 2 weeks ago and was told if I make a payment for XXXX on XX/XX/20 day that I called which I did and make a payment in XXXX that I will be all caught up. I found out today that my account was charged off. I would like this charge-off reversed and I would like to continue my payment plan. Capital One XXXX. Please help me resolve this situation my credit is very important to me. I really need to get this resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: IL

Complaint narrative:
CHECKR SYSTEMS HAS TAKEN MY PRIVATE IDENTIFYING INFORMATION AND USED IT TO CREATE FILES FOR COMMERCIAL USE WITHOUT MY EXPRESSED WRITTEN CONSENT AND ARE GUITY OF IDENTITY THEFT AND CONSUMER FRAUD AS A RESULT. I HAVE SUBMITTED A WRITTEN REQUEST FOR PROOF OF CONTRACT OR {$5000.00} FOR THEIR VIOLATION OF ILLINOIS CODES AND STATUTES AS COMPENSATION FOR INJURY AND THEY HAVE NOT RESPONDED. I WILL TAKE THE MATTER BEFORE AN ARBITRATION BOARD AND MAKE THE MATTER PUBLIC ALSO UNTIL REMEDY IS PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is saying I owe them {$70000.00} from a {$30000.00} loan I supposedly received when I was XXXX years old back in 2007. I asked for the promissory letter and have been given the run around and now I have a charge off on my credit report. I have not received a dime from Navient nor have I gave them a dime and I do not understand how they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
Hello. I received today XX/XX/2020 a Netspend card ending on XXXX that I have never requested. I called the company three times but to let me talk with a representative I have to give them the numbers of the card to force me to activate it. I want they to cancel this card. I think it is a scam. My name is 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