vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX XXXX without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX  XXXX XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.

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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation
State: FL

Complaint narrative:
I am receiving derogatory marks on my credit score from a account in collections from a company I do not owe for {$250.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CA

Complaint narrative:
XXXX I entered a hardship program paying {$70.00} per month at 10 % apr I have never missed a 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 non-monetary relief
Consumer complaint received 2020-03-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: Ascendium Education Group
State: CA

Complaint narrative:
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- XXXX XXXX had a fire on XX/XX/2019. 
- My house was saved but experienced some damage. 
- XXXX, my insurance carrier was very prompt, and did a great job. 
- XXXX sent me a check for {$23000.00} for the windows that were melted and damaged. They made Chase Bank, my mortgage holder, a co-payee on that check. 
- Chase endorsed the check, after I applied pressure, the work was completed, and the vendor was paid for the work. 
- My insurance company sent me a check for {$17000.00} for additional work including wrought iron fence. Some of the work, including cleanup, I did on my own, as it is less disruptive than having vendors who always show up late. 
- I held on to the check, until the windows were done, and I took the proof to the Chase office. 
- Chase now wants to deposit the funds in their internal account, and then make me go through a process, everytime someone needs to be reimbursed. 
- This puts on necessary burden on me and my family, especially during these COVID-19 times. 
- I owe only 43 % of the current value of my house to Chase. I have made all my payments with them on time. 
- I do not want my money held in an escrow account. This puts additional burden on me, during a stressful time. 
- There is no reason to do so, given my percentage ownership in my own property, as well as my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was scammed out of {$590.00} by Barclay 's Card Services and their Merchant partner XXXX. Barclay 's provided a payment platform that allowed XXXX to received credit card payments from consumers such as myself without ever delivering a activated software download. I ordered a XXXX  XXXX   software from XXXX but they never activated the software for my use or benefit. Then XXXX refused to refund my purchase and took refuge behind their merchant agreement with Barclay 's Card Services. Barclay 's claimed that they competently investigated my dispute but they did not. All of their investigator were based outside of the USA and couldn't speak good English and therefore, didn't even understand the nature of the problem. I sent Barclay 's copies of screenshots and emails from their merchant partner showing that the software was never activated by XXXX and that I never received a working product as advertised and described on their website. I requested on numbersous occasions to speak with USA based Barclays employees but got the Run Around and never spoke to anyone in the USA. I have told Barclay 's Card representatives that I will pay my balance down to the {$590.00} but I refuse to victimized their scammer partner and their sham Consumer/Member Protection Policy.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. 

We have two mortgages for our rental properties : one is  with XXXX XXXX XXXX and one is with Chase Bank. We would like to extend these mortgages for at least 90 days because we don't want to be caught in a bind. It looks like more and more states are not allowing evictions for non-payment of rents. If this were to happen to us we would not be able to pay the mortgages on these rental properties. 

XXXX XXXX XXXX - We have called XXXX XXXX XXXX and Chase bank on XX/XX/20, XX/XX/20 and XX/XX/20. We have been on hold for over 2 hours then the call drops. This repeats no matter how many times we call Chase Bank - We went to Chase bank on XX/XX/20 to find out how to contact them and they gave us 3 websites to check and none of them were any help. See attached document : Chase websites for Loan Extensions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attempted to resolve the issue of Identity Theft and submitted several FTC reports # XXXX and Equifax has failed to block these items on my credit report, under the FCRA section 605B. They stated these items came back verified back on XX/XX/2020. I have since submitted FTC reports and of course if someone stole my information!! They haven't responded and its been over 30 days. I am doing everything to protect myself. I do not feel protected or supported by this company. This is a direct violation of my rights as a consumer. 

My 2nd issue is the response to my previous complaint with CFPB # XXXX. They never resolved my dispute with the bankruptcy. They keep giving me the bankruptcy court address and number but not my personal information linking the bankruptcy to me. Under the FCRA I have the right to request the description of the procedure used to determine the accuracy and completeness of information an they have failed to provide this information. My full name, full social security number and amount of money included with the bankruptcy and my address. I recently received a letter from the bankruptcy court stating they do not provide personal information to third parties. I submitted this letter with my dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I responded to a pre-approval offer from Aspire Credit Card. Instead of a soft inquiry - which is standard for pre-approved offers - Aspire submitted a hard credit inquiry which is now reflected on my credit report. 

I called Aspire and asked to speak to the supervisor of phone operator XXXX. She told me her supervisor was not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX  and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
( Related to FTC # XXXX where Chase blocked COMPLAINTANTs access to XXXX XXXX  and XXXX XXXX & FTC # XXXX where Chase employees kept going further and changing the way in which COMPLAINANTs account is unlocked & XXXX-XXXX-XXXX  # XXXX # XXXX on XXXX, XXXX on XX/XX/XXXX & FTC # XXXX on XXXX ). On XXXX around XXXX XXXX  at " XXXX - XXXX  '' gas pump # 1 failed to process Chase Credit Card until COMPLAINTANT started recording the footage as he went to gas pump # 3. There seems to no wrongdoing perpetrated by the employees at the premise. COMPLAINTANT has let the employee know that XXXX XXXX backend system and Chase could be at fault for causing this issue. Only second attempt was met with notification from Chase out of 2 attempts. At a different merchant, Chase has failed to successfully process payment from " XXXX XXXX  - XXXX XXXX, CA. '' Chase denies any wrongdoing and directs fault at XXXX XXXX  for sending wrong billing zipcode/address to Chase to be processed, despite successfully having been added beforehand with correct information. COMPLAINTANT notes that a different merchant has processed payment from XXXX XXXX  XXXX around XXXX XXXX. Chase was struggling to " activate '' the mobile feature of the card before having XXXX XXXX  add it to its system. On a different note, In/About XXXX, COMPLAINTANT has changed his billing and mailing address with Chase as well as email address. On XXXX, COMPLAINTANT has initiated and completed several XXXX transfers. Around XXXX XXXX   PST, Chase has tried to contact the COMPLAINTANT for possible fraud attempt on his account. Due to more than average or normal transfers initiated, COMPLAINTANT acknowledges the security measures taken by Chase. However, the employees over the phone insisted that COMPLAINTANT contact local branch banker and have her/him contact the call center. Another sudden shift of procedures made by Chase employees. Around XXXX XXXX PST, a different manager has answered the call and insisted that COMPLAINTANT visit his local branch/banker for authentication. When asked whether receiving and verifiying the call promptly from earlier representative, who flagged the account, would have prevented the lock, the manager was unable to give a concrete answer. Chase manager is unable to comment on whether different employees can make subjective conclusions in requiring extra arbitrary measures to authenticate user accounts. Over a course of a year, Chase has been arbitrary in applying measures to unlock COMPLAINTANT 's account, ranging from ( 1 )  using debit card as SMS/Text authentication was unavailable due to COMPLAINTANT 's mobile carrier information not matching the information on " mobile public records '' Chase queries from, ( 2 ) Visiting a local branch with ID, ( 3 ) call back its supervisory customer service line, and to ( 4 ) Calling a local branch banker to have him/her call Chase 's main customer service line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During XX/XX/XXXX Merchant XXXX XXXX Charged me {$81.00}. 

During XX/XX/XXXX XXXX XXXX Charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 


XXXX  XXXX is a Gym Where I started receiving service as a member, but according to the contract, they were only supposed to charge me {$10.00} monthly, and the amount of {$81.00} was a completely unfair charge for no reason nor did they provide me any reason for it. My Bank of America credit card account is in jeopardy because of all the unfair and overcharging misbehavior and misdeeds done by Merchant XXXX XXXX, and I'm afraid that justice will not be done to me in this case.

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Interest rate from inception has not reflected the rate cuts that have transpired since then. A 26.4 % apr is ridiculous in this rate environment. I've had the account for a long time and always paid my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
Called lender, Sallie mae, XX/XX/2019 asked for lower payments options because of XXXX. The representative stated she would email the paperwork and I never received. I called back 2 weeks later and was told the paperwork could be downloaded on website stated I needed to make payment before I could proceed so I made a payment. This scenario has continued for 2 months. At this point they are calling my elderly mother, harassing all my family members while I can't even reach them by phone, email or chat. 

I want a resolution that I asked for in my first attempt. They make no attempt to help me resolve my financial hardship. 
I'm not including my phone number because I will receive no help just endless harassing robocalls. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I see my loan balance as {$330000.00} when it was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper on XX/XX/2019. I got a statement from XXXX ( my original mortgage company ) on XX/XX/2019 and the ending balance at their end was {$330000.00} at the time of transfer. The same amount was shown in the last monthly statement I got from XXXX. 

I contacted XXXX and they confirmed that they transferred {$330000.00} to Mr.Cooper. 

I informed Mr.Cooper about this issues on XX/XX/2019 through an email from their website. I was told that they are researching the issue but I never got a proper response after multiple follow ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: MO

Complaint narrative:
I have been trying since 2016 to get XXXX, Equifax and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX XXXX  are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.

Company response to consumer: Closed with explanation