vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I received a auction date for  XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of  XXXX   XXXX  and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in  XXXX  but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There a re two judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Equifax or  XXXX  or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the County Clerk and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can  XXXX  or Equifax or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a   credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgmen t 2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I hav e one judgem ent that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I 've contacted Best Buy numerous times regarding my refund of being enrolled in thei r Debt Protection  program. I was told my account was sent to the Accoun t Maintenance Depa rtment to issue a refund within 30 days.     Th e Debt Protection Customer Service Department or Best Buy Credit Card Services can not provide any details/ status updates on the refund. I '  m continuously passed between the two different departments with no results or solution.      It appears I was unknowly enrolled in this program on  XXXX / XXXX / XXXX . I cancelled the plan on  XXXX / XXXX / XXXX .     As of  XXXX / XXXX / XXXX  no refund has been issued and I have not received any proof of evidence into enrollment.

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This has been going on for quite some time and my home of 30 years was foreclosed in  XXXX .   There are so many layers to my problem I do n't know where to begin. Let me start. Around  XXXX  I was convinced to refinance my home. I did so and set up bi-weekly payments. The payments went to about  XXXX  companies ... finally they went  to Countrywide, then  to Bank of America. The payment were automatically withdrawn from my account. Then ... suddenly I received a notice from a debt collection agency ...  XXXX   XXXX   XXXX   XXXX . I did n't know why. My payments were automatically deducted from my account twice a month and from time to time i would add a little extra so I could pay off my mortgage sooner. Well ...  XXXX  took the money from my account ... they just did n't credit the mortgage. There were many phone calls back and forth and eventually  XXXX  convinced me to refinance my mortgage AGAIN. .The problem continued. A rep from   XXXX   told me there were always problems with computers when the companies chang ed ( news t o me ) then I was also informed they were a division of  XXXX ! Eventually  XXXX  changed their name to  XXXX . There is way too much paperwork to cover here but the bottom line is after spending thousands and thousands of dollars on NOTHING I eventually lost my home of 30 years to foreclosure. This did n't ' have to happen. I paid for my home many times over just trying to deal with the debt collection agency. It seems that Bank of America simply robo-signed my mortgage to  XXXX  without reading it. If they had they would see that I had a stellar on time record of payments and a wonderful credit rating. Not any more. Due to this fiasco I lost my home, almost all of my savings  ( inc luding my retirement account ). my good credit, and it is now almost impossible for me to find employment because I am labeled as a deadbeat. I contacted a lawyer who recommended I file for bankru ptcy. ( This h as caused even more problems )

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 2017-04-26 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: TN

Complaint narrative:
Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I recently received my updated credit report and there is a Collection agency named Conserve on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: TN

Complaint narrative:
We received one call and then another call about 3 weeks later from a XXXX XXXX, Consumer Protections Bureau, telephone number XXXX, stating that I had won a total of {$580000.00} but could not tell me what contest of where the money was coming from. That the Bureau only delivered the money. I explained to him I knew nothing about this and did not think it was for real. He stated that I could give it to a charity and I told him that was fine, to send it The XXXX XXXX in XXXX XXXX, TN as this was a refuge for needy people and I gave him the address. He took all the information I gave him and said the check would be mailed to The XXXX. This was over a month ago but The XXXX has never received any check. Is this a scam and is this XXXX XXXX an employee of the Consumer Protections Bureau? If not, he is using your name. Thanks for your help in this matter.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There are  XXXX  judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the se e the county cle rk and had a conversation with a court representative. I asked him, " How is it that  XXXX  or Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to conta ct the County Clerk a nd they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can Experian or  XXXX  or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/las t 4? Y ou are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question  : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment  2 .  XXXX   COUNTY CIRCUIT COURT   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I have  XXXX  judgement that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear CFPB,  RE  ;  XXXX  -  XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  I am writing to you because I 'm in the process of purchasing a property thru   XXXX   a division Nationstar Mortgage who accepted my offer on the above property as of  XX/XX/17   .     Even though XXXX  a division Nationstar Mortgage made me pay up front a fee of {$25000.00} just to make an offer on the property my offer was accepted as of  XX/XX/17   .     I received the purchase agreement from  XXXX  a division Nationstar Mortgage who requested for me to sign the documents via  XXXX , at the same time I was assigned to  XXXX   XXXX  who identify her self as the point of contact.     As of  XX/XX/2017    an email was sent to me requesting for me sign the purchase contract which  XXXX  a division Nationstar Mortgage had confirmed my offer was accepted.       Now as of  XX/XX/2017     XXXX   XXXX  email me stating that because of my background my offer was cancelled and they accepted another offer which it was higher from my offer.       At that point I was shocked since  XXXX   XXXX  pretty much told me that because of my background  XXXX  a division Nationstar Mortgage refuse to move forward with my offer even though the offer was already accepted at that point.       I requested for  XXXX   XXXX  manager and she hang up the call, now after calling  XXXX  a division Nationstar Mortgage phone #  XXXX .   XXXX   a division Nationstar Mortgage keeps telling me that they are no longer going to speak to me because the property that I made an offer was already in the process of getting sold to someone else and no manager was available since they were all out of town.     Please please all I 'm asking is for help to stop  XXXX   XXXX  and  XXXX  a division Nationstar Mortgage from discriminating me and my family.       All I 'm asking is to continue with the purchase of my dream home and I feel this is not fair for me and my family.        XXXX   XXXX  Cell #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advanced Professional Group
State: VA

Complaint narrative:
I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from APG called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX   County Courts ( Civil and Circuit ) a nd asked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said APG, I asked why there were representing themselves as  XXXX  County and they said they were retained by   XXXX   XXXX   but now the case has left their office and I better pay   XXXX   XXXX   before they take further legal action. I 'm sure I have paid them way more then the original principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 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: IL

Complaint narrative:
Hey there I got a credit report from  XXXX   XXXX  and Equifax that is mostly accurate except for  XXXX  giant error - it says I have a credit card with   XXXX   XXXX   with an address located in  XXXX  that is now past {$4000.00}. I do not have such a card, I do n't live in  XXXX , and there is no way those charges are mine. I have no idea how this happened, please advise so that I can both get this off of my credit report and never have a similar thing happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 'm writing to complain because some of these inquires were removed from my credit report and then put back. There was a glitch in the Transunion 's system inXX/XX/XXXX and the inquires that were deleted got add back to my report and I want them removed. Also some of these inquires I did n't authorize at all. The inquires that were add back to my credit was. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX The inquires that I did not authorize is XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( I only authorized them to run my credit once but two inquires are showing up for the same day ) XXXX XXXX XX/XX/XXXX and XX/XX/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 2017-04-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was told the account would have checks provided when I opened it and they were never sent. I called to get later and they said it would be {$17.00} for checks.

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 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.

Company response to consumer: Closed with explanation