vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2018-12-04 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I purchased a XXXX XXXX side to side unit including half windshield, roof kit and winch for {$10000.00}. I used my credit card for a {$2000.00} down payment as seen on the invoice. However, the merchant XXXX XXXX, XXXX overcharged {$990.00} as they added the total cash price to {$12000.00} in error when it adds up to {$11000.00}. The agreement was to pay {$10000.00} for the unit with accessories listed above plus registration fees and sales taxes ( as listed on the invoice ) as follows : {$10000.00} + XXXX+XXXX+XXXX+XXXX ( sales tax ) equals {$11000.00}. I explained this to Chase representative XXXX at XXXX X XXXX and also supervisor XXXX XXXX. in Texas but they did not want to acknowledge what occurred but rather sided with the merchant who lied and claimed I purchased accessories separately when as the invoice shows the credit card was used as a downpayment and the accessories were included in the purchase price of {$10000.00}. The credit card receipt shows {$2000.00} with no mention of accessories proving that it was used as a downpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received my final bill for my lease with Chase Auto Finance sometime toward the end of XX/XX/2018. I called Chase Auto Finance on XXXX and spoke with a service rep, XXXX, employee # XXXX regarding my final bill. The total due was {$690.00}. The letter I had received from Chase indicated that I could call the XXXX number to make payment arrangements, so I called to do so. XXXX was friendly and helpful and advised me that Chase could set up payment arrangements in the form of two payments. One payment, in the amount of {$340.00} would be made that day ( XXXX ) and the other and final payment would be made XXXX. I agreed and made my first payment over the phone that day. He advised that I would receive a call on XXXX to make the last payment. I specifically asked if this would affect my credit in any way and he told me it would not. On XXXX, I was checking my credit report and see that I have a late payment, 30 days past due on my Chase Auto Loan. This  dramatically changed my credit score. Needless to say, I was upset. I called Chase back that day and spoke with employee # XXXX. I explained to her my dilemma. She said, " Well yes, you can set up payment arrangements, but that does not mean that your account wont be past due and will not go to collections. '' I was floored by this. The letter I received initially does say the amount is due upon receipt of the letter, however, it also says " If you have any questions or need to make payment arrangements, please call. '' The letter does not indicate anywhere that although you may be able to make payment arrangements, this does not mean you will not incur late charges or that your account may be sent to collections. Also, when I called to set up the payment plan, I was told this would not affect my credit. If I had known this would be considered late and sent to collections, I would have figured out a way to pay this in full. I feel that I was misled. I had this auto lease loan for three years and never once missed a payment. I paid on time for three years. Also, on XXXX, I did make the final payment of {$340.00}, so this account is paid in full and closed. All I ask is that this is removed from credit report. I have filed a dispute with XXXX to no avail at this point. I just filed another dispute today ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: TX

Complaint narrative:
Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX which was financed by Wells fargo, fast forward back to this year the truck started having major issues and we were denied inspection approval until they were resolved, so we decided that we would try and trade in it towards another vehicle only to find out that the vehicle had structural damage, we did not get a car fax when asked for it they said bank had requested it and it was sent not sure how true that is thinking about it now. Since then we tried contacting dealership which is now closed down due to fraud, so we contacted Wells Fargo and told them that we can't use the vehicle and that in fairness they should come and get it and consider our balance on vehicle null and void. They did came and got vehicle however they sent us a notice of plan to sell property saying that because we broke our promises in our agreement they are holding a private auction to see vehicle and if sold for less than balance, then we owe them for the difference. If you were provided a car fax why would u pay for something that's permanently damaged and have us paying for it knowing eventually it will break down.

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 2018-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
1 ) What is this complaint about? 

JPMorgan Chase Bank, N.A. ( aka Chase ) closed a savings account I had with them 2 days after I opened the account and 1 day after I deposited a check for {$16000.00}. They refused to give me any reason for closing the account. It seemed arbitrary and capricious. It seemed like fraud for them to accept my money on Friday, XX/XX/2018, and close the account the following business day, on Monday, XX/XX/2018. I did receive my money back, but it was three weeks later. The check was dated XX/XX/2018, but it was not mailed until XX/XX/2018, according to the postmark, and I did not receive the check in the mail until XX/XX/2018. 

My complaint is that I do not understand how the government could allow a financial institution to confiscate my money ( even for three weeks ) without due process. 

2 ) What type of problem are you having? 

The problem I am having is that I became homeless because of Chases actions.

3 ) What happened? 

I was going to use the {$16000.00} to move to XXXX, NY. I had given notice at my HUD subsidized building for seniors in XXXX, OR on XX/XX/XXXX and was required to leave by XX/XX/XXXX. I did not receive my funds until XX/XX/XXXX, and then I had to deposit it in another bank where it took another five days to clear. The check cleared the second bank on XX/XX/XXXX. I had asked the building manager where I lived if I could rescind my notice to vacate, since I could not do the move without the funds that Chase denied me access to. I was told the apartment had been offered to someone else, but that I could stay an extra week. Since XXXX is a very busy month for movers, I had to move out on XX/XX/XXXX. I did not have access to my funds until l after I moved out. I can not afford market rate rental in most cities in this country ; I could not do the move without those funds, so I became homeless because of Chases actions not on the street homeless, but without my own apartment. I am sleeping on a sleeping bag on the floor of my sisters home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued  making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was 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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.

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 2018-12-04 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: OK

Complaint narrative:
My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: IA

Complaint narrative:
Windham Professionals call my phone several times a day. Sometimes leaving a voicemail and sometimes not. I block their number with a call blocker and then they change the digits of their phone number by one number and repeat the practice. Called as early as XXXX XXXX  and as late a XXXX XXXX. 

yesterday called from ( XXXX ) XXXX at XXXX, XXXX, and XXXX    XXXX called from ( XXXX ) XXXX at XXXX and XXXX XXXX  XXXX called from ( XXXX ) XXXX also used number ( XXXX ) XXXXand ( XXXX ) XXXX to call me. 


The repeated calls are harrasment.

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Management System reported that I had {$4700.00} in collections and placed it on my credit report. They never sent me a bill prior to me contacting them and asking them where did they get {$4700.00} balance from. In response to my letter, they sent me a bill for the amount {$2900.00} and said that they would have all three credit bureaus update the amount. I wrote them a letter trying to clarify inaccurate items in their letter. They retaliating by notifying all three bureaus to report {$4700.00} on my report instead. I will enclose documents to support my complaint.I have sent them several communications trying to find out where they are getting there amounts from and they are evasive. 

The original creditor is XXXX on XXXX XXXX and they have lied on the paperwork that they gave Southern Management but that's a different story. Southern Management is trying to collect {$4700.00} when XXXX gave them an amount of {$2900.00}. It is incorrect also, but it not the {$4700.00} that Southern Management is unlawfully reporting and trying to collect. Southern Management is trying to pad the bill as evidenced by my most recent look at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: SC

Complaint narrative:
I submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have been Dealing with nationstr who has taken over XXXX XXXX regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
Nation star will not update the credit bureaus as they state they did not put it on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Consumer Financial Protection Bureau, The following situation occurred when I was trying to refinance my house in XXXX Co., TN. 
Below, In parenthesis is an email sent to me by XXXX XXXX, Quicken Loans Client Relations about a lien issued in Illinois and placed on my property in XXXX, TN. 
( 1 ) The lien should have never been issued and place on my property because Attorney XXXX XXXX never did any work for me. 
( 2 ) I was never notified about this lien in the XXXX Co., Illinois Court nor through the XXXX County, TN Court system in order for me to contest the lien. 
( 3 ) Also, in the document, ( Lien ) issued to XXXX County, Tennessee on XX/XX/XXXX there was never any reference to Statutory Interest being addressed and applied to this lien. 
( 4 ) The payoff of the lien should have been addressed through the XXXX County, Tennessee by Quicken Loans for the amount of {$15000.00}. However, I was told by Quicken Loans the lien had to be paid off prior to me refinancing my property. I was conned into sending Quicken Loans a check for {$21000.00}, which included {$5800.00} for statutory interest and the Lien paid off on XX/XX/XXXX. 
( 5 ) My rights to contest this lien were violated because neither Attorney XXXX nor the XXXX County, TN provided me any notification about a lien on my property. Also, there should never have been any Statutory Interest because the interest was not addressed/approved or listed in the lien. 
Attached is a copy of the lien issued by Illinois to my property in XXXX County, TN! 
The overpayment of {$5800.00} for statutory interest should be returned since the court never addressed Statutory Interest Regards, XXXX XXXX XX/XX/XXXX Hello XXXX, The payoff of your lien with XXXX XXXX XXXX & XXXX XXXX. {$15000.00} was the amount of the judgment issued, however, the amount that was sent included statutory interest which had accrued through XX/XX/XXXX. Interest was accruing on the judgment at a rate of {$3.00} per day, resulting in us needing to pay the additional {$5800.00} to reconcile this lien and remove it from your property. If you would like, I would be more than happy to send you a copy of the payoff statement that we were sent indicating these costs. Please let us know if we can be of further assistance. Have a great day XXXX XXXXQuicken, Loans Client Relations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
I was alerted to a collections on my credit report during a credit report review on XX/XX/2018. I contacted XXXX XXXX in XXXX PA to resolve on XX/XX/2018. I have never received from them a notice via mail or phone call. I contacted the original company XXXX XXXX  XXXX XXXX XXXX in XXXX PA and noticed that i also had not received a letter from them for payment. As indicated by XXXX I have always paid my bills in full without any issue and they were unsure as well of what broke down in communications. I want to pay this bill and have never missed a bill before. XXXX  stems informaed me that regardless of payment they will not remove the inaccuracy from my credit report. XXXX XXXX XXXX XXXX XXXX said they will enforce a good will removal based on payment. XXXX XXXX will not agree to such action. I contacted XXXX XXXX twice today ( XX/XX/2018 ) and informed them i would like a through review of the item in collections and they refused to comply by saying the sent notices in the mail which i did not receive. Everyone seems to be on board with paying the bill in full and removing it from the credit report with the exception of XXXX XXXX in XXXX Pa. Addiitonally they are not willing to discuss any other information besides me paying them. Once again i have never received any letters or other coorispndace from them pertaining to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. XXXX XXXX XXXX XXXX doesn't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT

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 2018-12-04 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: Arbor Residential Mortgage LLC
State: NJ

Complaint narrative:
I have been Dealing with XXXX  who has taken over XXXX XXXX  regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
XXXX XXXX will not update the credit bureaus as they state they did not put it on the reports

Company response to consumer: Closed with explanation