vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XX/XX/XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX   XXXX  has reported the charge off on my credit report for the past 73 months. A charge off is  a one tim e IRS write off on a worthless deb t. Reporting the   charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XX/XX/XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way   XXXX   XXXX   has reported this account. I was turned down for a mortgage in  XX/XX/XXXX , not because of the charge off, ( after all it is 6  years old  ) but because  XXXX   XXXX  has reported it every month making it look like a new charge off.  XXXX    XXXX   XXXX   has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.

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 2017-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from Macy 's to American Express.

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 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I applied for t he Barclay Luxury Gold Card an d was accepted in  XXXX   of 2016. T he reason I was so intrigued into this card was because I was told that since I was an  XXXX   XXXX  military member, that I would receive the following benefits as long as I was  XXXX   XXXX  : {$990.00} annual fee to be waived, 0 % interest rate on all purchases, no late payment fees,  0 % cash advance fee and 0 % balance transfer fee. I made sure before I received the card that I would receive all of these ben efits no matter what, as long as I was an   XXXX   military member an d Barclay con firmed this. Today, I received a letter in the mail stating that they were no longer going to honor the original terms and would begin to charge my account {$990.00} a year unless I closed the account. I can understand if they wanted to stop all new applicants from receiving this benefit as it was a promotion to bring in new military members. However, I think it is completely wrong and unjust to blindside a military member who has had this card ( in good standing ) since  XXXX  of  2016 and  not have a grandfather 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 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi.
I was renting appartments and my landlord put them on the market proposing me to by apps first hand.
I decided to apply to my bank, JP Morgan Chase, where I have accounts for ~5 years.
I called their mortgage hotline. Situation was quite urgent. I applied thru web site on   XXXX   XXXX  , 2017.
I had 10%+ down payment on Chase's accounts and  XXXX +  (Excellent) cre dit score.
Lady on the phone,   XXXX     XXXX , Mortgage Banker who called me after that, tried to get rid of me as fast as possible.
Multiple times I asked her to send me breakdown on closing costs, loan program details. Instead I got only 'preapproval letter'. She also told that it is going to be mortgage program called 'Chase DreaMaker'. No more info. She was extremely inaccurate in locating my appartments in her system, saying that there is a possibility that after everything, bank will not be able to approve project on latest phase.
I tried to find information about so called 'Chase DreaMaker'. No luck - couple of lines of common words on Chase Mortgage.
I tried Chase Mortgage calculator. It showed ridiculous number: closing costs suppose to be   XXXX   per  XXXX  loan.
I decided to go into local Chase Bank.
I called another broker,   XXXX   XXXX  , Chase branch,   XXXX   XXXX  , CA. No luck. Multiple attempts to schedule appointment (including other bank employees) - no luck.
On Monday I finally caught   XXXX     XXXX , it was surprise for her that we had appointment. She briefly told me that I'm, in the middle of contract, can't even think about approval for 'DreaMaker' program, saying that this program for low income people (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX  credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from  XXXX  's to  American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I 've been fighting foreclosure on my home for several years. The current mortgage servicer is Seterus. I retained  XXXX   XXXX   XXXX  to avoid foreclosure without bankruptcy. That 's another issue.      XXXX  was trying to get the sale dismissed while we were going for a modification. He informed me via email he 's just spoken with Seterus and their attorney and they said they 'd consider it if I made some changes to the  P & L in m y modification application. I had a month of losses. they requested that I   XXXX    out the loses and expenses.     It turns out submitting false information on a bank loan, which is what a modification is, is fraud. In PA this is soliciting fraud. Und er US la w this is bank fraud on the part of Seterus and their attorney. That my lawyer,  XXXX  went along with it makes him an accomplice. There 's a story behind that as well.     I had a sale date on my home coming up the following week. Seterus was obviously trying to run out the clock so I could n't do anything about the sale.  XXXX , again, there 's a long story behind this, was backstabbing me and wanted to charge me for a bankruptcy.      XXXX , if he 'd been acting in my interests, could have recorded the call confirming what Seterus wanted and used that as leverage against them to come to a settlement on my home. Instead, he chose to help them for his own gain. So there are problems with the servicer Seterus, their attorney 's  XXXX   XXXX  and my own attorney,  XXXX   XXXX   XXXX .     The email sent by   XXXX   representing the request of Seterus and their attorney was  X/X/14    at  XXXX   XXXX . He 'd claimed to had just gotten off the phone with them.     I have much more in the way of documentation how my own lawyer was backstabbing me but this is the biggest and most important. Representing me properly when they made this request could have completely resolve the issue of the foreclosure of my home just by it 's criminal nature and how serious a crime it was. it 's my understanding that bank fraud is a minimum o f 5 y rs in prison..     I 've attached the first email of  XXX  requesting on behalf of Seterus and their attorney to falsify the P & L in my modification application. I have more emails in support of this.     Before you contact Seterus, you should contact  XXXX   XXXX   XXXX . Seterus has a way of disappearing information. they later claimed they did n't have recordings of our conversations. Before that, and everyone I spoke to since has substantiated that Seterus records and saves every conversation.     By giving Seterus advance warning, they can make it impossible for you to gather proof that you 'll need as they move to conceal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for another credit card from my existing bank where I am a long time and premier customer. The application was submitted  XXXX   XXXX  online and I received email confirmation indicating that my application was received and will be processed. If for whatever reason the application was denied, I would be provided a verbal explanation. If there were no isssues, the card would be sent with in 5-7 bu siness days. On Monday  XXXX   XXXX , I called the bank inquiring about the card because I received mail about my fico score ( above  XXXX  ) and I check on my online banking and it shows the new credit card as {$0.00} balance and part of my account summary. Because I had received  the credit score notific ation and saw the card on my online banking, I assumed that the card was approved however I had not yet received it, which was concerning. When I called  Wells Fargo  on  XXXX   XXXX , I was told that the card was not sent yet but since I a a premier customer it can be shipped to me in 2-days free of charge. I sai d ok. Today I re ceived a  XXXX  package with the wrong card. They sent me a replacement card from  XXXX  of my existing credit cards that I did not ask for. I just called  Wells Fargo ri ght now,  XXXX   XXXX , to indicate that the wrong card was sent and that I am greatly concerned about the Visa that I have still yet to receive. She indicated that the card was sent on  XXXX   XXXX  and that the banker I spoke to on  XXXX   XXXX  was incorrect.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.

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 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened an a credit account with  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  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
Consumer complaint received 2017-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth  with them since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threaten ing me.

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 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
X/X/17    - Re ceived notice to appear in court for a debt collection in the amount of {$14000.00} from Barclays Bank Delaware.       X/XX/17    - C hecked personal credit report confirming that debt was on my report and had been defaulted on.       X/XX/17    - Wrot e Barclays Bank Delaware letter informing that debt was not mine and requested validation of the debt under the " Fair Debt Collection Practices Act '' and the " Fair Credit Reporting Act ''. Requested proof of signature for debt.       X/XX/17    - Letter  was delivered via  USPS  certified mail and confirmation of pick up sent.     Date unknown - Received letter fro m Barclays Bank s tating debt was validated and enclosed a bill statement.       X/X/17    - Wrot e  Barclays Bank 2nd lett er again requesting written confirmation with signature of claimed debt.       X/XX/17    - Lett er was delivered vi a USPS ce rtified mail and confirmation of pick up sent.       X/XX/17    - Re ceived letter from Barclays Bank Delaware with enclosed application for debt . ( Noticed IP Address was i ncorrect and located in different city & state.       X/XX/17    - Receiv ed letter from  Barclays Bank that investigation is complete and debt confirmed. ( No acceptable evidence has yet to be s hown confirming the debt was accepted by me ).

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 2017-05-25 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: DISCOVER BANK
State: CA

Complaint narrative:
X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.

Company response to consumer: Closed with explanation