vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted Experian on XX/XX/18 to inform them that I consolidated my student loans with a new company. I disputed the innaccuracies reported out of spite by XXXX. Experian never followed up with a decision. I never received a response on the matter and XXXX has yet to stop reporting outdated information. At this point XXXX isn't sending updates and the outdated unconsolidated loans are on my credit report. So I have my student loans listed twice on my credit report because of Experian and 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 2018-08-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hard inquiry from XXXX XXXX that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus.

In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and spotted a late payment on the following date : 30 days late in XX/XX/2016 I am not sure how this happened I believe I made my payments to you when I get my statements. My only thought is that I did not get the statement that month.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Not liable for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.

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 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: FL

Complaint narrative:
I applied for a mortgage with Mortgage Lenders of America to purchase a house. I had original worked with XXXX XXXX, XXXX # XXXX ( Applied XX/XX/18 ) who then resigned and then had XXXX XXXX, XXXX # XXXX take over the process ( XX/XX/18 ). 

Ms XXXX on XX/XX/18 sent me an email telling me that I am not allowed to shop around for another loan. I called and filed a complaint with her manger XXXX XXXX XXXX XXXX XXXX she was reprimanded but then continued with her unprofessional behavior. She sent a retaliatory email the next day and again today ( telling I am wasting her time ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to Equifax by phone and mail and I was explained that they would be deleted but are still showing on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX, I purchased my home and received a FHA mortgage through Wells Fargo, the cost of my home was $ XXXX. 

In XXXX, I went through the FHA HAMP program where they remodified my loan because I was having trouble making the payments. The loan did not substantially reduce my monthly amount. I went from {$2100.00} to {$2000.00} a month. 

Unbeknownst to me, a 2nd lien was placed on my property, through HUD through using a company called XXXX. To the tune of $ XXXX that included back payments, reduction of principle and legal fees. 

I find this out as im in the process of selling of my home and the balance that I owe Wells Fargo is $ XXXX + the $ XXXX from XXXX equals to $ XXXX. MORE than what I paid from my home. 

This is extremely deceptive and fraudulent. I know that Wells Fargo has been in hot water recently for such a thing and my immediate plans are to join the class action suit as there are thousands of consumers by me who have been duped by Wells Fargo. I would never advise anyone to get a mortgage from them.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
Didn't receive enough information to verify debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 

2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 

3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 

4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an issue with a previous credit card from XXXX XXXX the make up store where someone use my information and max out my cards despite having the physical card on me. I filed a compliant with my card company and they end up getting my funds transferred back to me in a new account. Now I'm unable to get any credit cards since this situation. I made an identity theft report on the federal bureau end and just removed a fraud alert as well through XXXX. Is there anything that can be done so I can be approved for cards before this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I mailed a certified letter to Amshercollection services. They have the same physical address under a law firm that they use to intimidate customers. The certified letter was returned to me without being opened. I requested proof of contract to substantiate their claim. I wanted a certified copy of an original contract, with my signature, specifically naming their company as a entity to enforce a commercial claim against me. Fair Isaac Credit Act says all debt has to be 100 percent verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have no knowledge of debt.

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I LIVE AT THE HOMELESS SHELTER DOWNTOWN, A FEW DAYS AGO SOMEBODY STOLE BAG WITH MY DEBIT CARD AND A LOT OF MY PERSONAL BELONGINGS. 

I NEED HELP BECAUSE MY MONEY IS GONE, AND THE BANK SAYS THERE CLOSING MY ACCOUNT FOR A FRAUDULENT CHECK SOME XXXX TRIED TO PUT IN MY ACCOUNT. 

I DONT EVEN KNOW HOW TO DEPOSIT A CHECK UNLESS ITS AT THE LIQUOR STORE. THIS IS JUST CRAZY. 

ON XX/XX/XXXX I GOT A LETTER SAYING THEY ARE CLOSING MY ACCOUNT. PLEASE SOMEBODY HELP 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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank violated Reg CC and is making it impossible to use funds that have been on deposit for months. This was in response to a check deposit from myself to myself. They told me I wasnt allowed to adjust the to line on a check written against my own account at another institution to myself. Complete over reaction and bad treatment of a decade long customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed a call to XXXX XXXX credit card customer service requesting to change my address on file to other address. Being that I had XXXX and currently is hospitalized. My address change request was to assure bills were received to a family member. The family member would bring bills to hospital so they can be paid. However, I never received a bill so I would log on trying to remember what day the bill was due since I got no bill sent to my family members house. Today XX/XX/XXXX, I noticed I still have not received a bill again. So I log on to pay the bill. I called customer service explaining Ive called previously on XX/XX/XXXX to change address. At this time I was advised it was not changed so the representative proceeded to update the address. I asked for late fee to be waived being that I never got the bill. I was advised nothing can be done because there is no record of my calling. However, I know for a fact that I called in and spoke with someone who was sympathetic about my XXXX and even said she knew someone who had the same XXXX. I asked to speak with a supervisor today. She pretty much called me a lier saying I did not call from my phone number and record of me calling. As I stated to her just because your company does not show I didnt call from my cell phone doesnt mean I didnt call. Its not my fault as a customer your representative did not do their job. 

I asked to speak with a XXXX. I spoke with someone named XXXX. I explained the situation to him all over again. I also explained to him that as a company you have an obligation to ensure you are sending your customers bills in order for them to be able to pay the bill. However, the practices that are being used are unethical. I asked him that I would file a complaint with the consumer finance protection bureau based on the situation and how I am being treated. 

I asked XXXX if I could speak with another XXXX. XXXX placed me on hold and came back stating the other XXXX said XXXX. However, I asked to speak with the XXXX ; I did not ask XXXX to relay messages back in forth. During the conversation, XXXX then start to cut me off while I was speaking instead of listening to what I was saying. Its sad and unbelievable that customers get treated like this when they have a medical issue that requires immediate attention. This is not how you treat your customers. I will be telling all my friends, family, people on social media about my situation today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a collections on my report from XXXX XXXX. This collection has been paid in full and XXXX XXXX SAID they contacted the bureaus to delete from my file. And it is still there. I would like it removed immediately and my score to gain back the points that was taken from me for the collection.

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 2018-08-21 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: CA

Complaint narrative:
I rented a car from XXXX on XX/XX/XXXX. After I drove the car to work I noticed the car had a mechanical issue with the gas pedal. Long story short XXXX promised me several times a follow up call from the regional XXXX to discuss my issues and they never called me so I went ahead and opened a dispute with Chase. 

I submitted my statement to chase and they immediately closed my dispute less than a week after it was opened because I did not cancel the transaction. XXXX XXXX, a supervisor in the disputes department used a restaurant as an analogy Well if you eat your whole meal then you cant get a refund Im sorry, but in my case I was physically unable to return the car or cancel the transaction because of the mechanical issue with the gas pedal. I had to drive side streets home because enterprise never told me about their mechanical issues hotline even after I called them several times about the issue. 

I am so disappointed with chase, Im pretty sure they illegally closed my dispute. The representative who called me from the XXXX, along with XXXX XXXX the supervisor both seemed highly untrained and unfamiliar with visa rules and practices. Neither would let me speak with a real XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
Ocwen servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was making overpayments towards my XXXX XXXX loan through Navient. I had selected the " Quick Pay '' option not realizing that overpayments would not be applied to my principal. 

I got ahead in my payments and for a couple of years enjoyed " {$0.00} due '' on my statements. There was never any indication how ahead in my payments I was. 

However, my balance never went down. My balance remained at " {$3800.00} '' between XX/XX/XXXX until XX/XX/XXXX when I noticed that my balance hadn't moved. 

I called my servicer and they told me that overpayments only pushed my payment date back. Any money would be applied to unpaid interest, and the rest would push my due date back. 

I asked my servicer to reapply my payments to go towards my principal ( which i thought i was doing anyway XXXX and they refused. I paid {$970.00} towards interest only between XX/XX/XXXX and XX/XX/XXXX. There were many months where money wasn't applied at all. My balance never moved. 

If I didn't catch this, there's no telling how long this would have gone on. 

It's frustrating because I was AHEAD in my payments and my balance didn't move AT ALL. Had I made my payments as normal, my balance would be hundreds of dollars lower. 

NAVIENT STOLE {$970.00} FROM ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30  days late as of XX/XX/2017 I am not sure how this occurred. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief