vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: AES/PHEAA
State: IL

Complaint narrative:
I have attempted to contact XXXX and provided the supporting documentation. 
XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: IL

Complaint narrative:
I have attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

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 2018-03-08 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:
I had 3 accounts with Chase. They closed my accounts upon review for 3 reasons. 

Returned payments ( a payment was rejected because I made a payment from a savings account. I was informed previously that I could make payments from the savings account. I was provided misinformation by the company that eventually influenced the closure of my account. 

Credit limit was too high ( I was granted the credit limit by Chase originally and then months later, they decided the limit was too high and instead of lowering the limit or closing less than all of the accounts, they shut them all down. Again, I was given this limit by the company, only to have the company then say that it was too high and that they were going to remove the accounts. ) Not enough credit history ( again, granted the cards by the company only to have them remove the accounts. ) I addressed the savings account issue with Chase over the phone and confirmed that I could make the payments with a savings account. I clearly had enough credit history to acquire the cards in the first place so there is no cause to claim I didn't have enough credit history. They granted me the credit limits at first, have me the cards, and then at their will, chose that the limit they granted me was too high and this closed the account. 

Every reason that my account was closed was due to their negligence and I have received the fallout.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole. 
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: LA

Complaint narrative:
Someone stole my wallet in XX/XX/2012and went to a furniture store and received furniture with my information. The amount of the debt was XXXX. Ive tried disputing this information with all three credit bureaus to no avail. I sent Accelerated Financed a  validation letter and they mailed me contracts with signatures that dont match. The debt was sold to Accelerated and they increased the amount owed to XXXX. Accelerated sent me all the info for the account, all of the info has the same address where I lived but the furniture was delivered to a different address. I had to close that account because of fraudulent activity and also filed a police report when someone broke into my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX charged my account for a reservation that was canceled in an adequate time frame however my account was still charged for a no show reservation. When I called CHASE, the representative XXXX wNted me to wait 15 days for my provisional credit - to allow the merchant to return the funds of {$86.00} - which I have already called XXXX XXXX to return - to which they would not agree. 
Thus, Id be waiting 15 days for no reason. 
Not to mention - when I asked XXXX for her supervisor, she said there was none and would NOT tell me her employee info or locality, so that I could properly file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.

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 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
Early in XX/XX/XXXX, we applied to have our PMI removed from our mortgage through PHH Mortgage Services. We sent them the correct application and paid {$150.00}, which posted to our bank account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter declining our application for the following reason : " The Certificate Value ordered does not certify the original value of your property. 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time of the loan was closed. This excludes NY State properties, as the higher amount becomes the 'Original value ' ''.

They used three homes to compare our home 's value to. 1. These homes are not in our neighborhood or subdivision, and are not quite comparable, 2. They are not as comparable to the homes within our own neighborhood, of which 2 sold this past year for higher values than we bought
our own home, and they are identical in property size and home model. In addition, both XXXX  and XXXX place the value of our home, currently, at {$34000.00} above the amount of our original loan. In our opinion, they chose three random homes that sold below the cost of our home 's original loan, without even looking at the homes within our neighborhood and the market 's estimates on our own home. 

We called to complain, but they said that nothing can be done, and the {$150.00} is nonrefundable ( this is quite the fee for our family, as we currently need the PMI dropped to make ends meet ). Their only solution is for us to pay an additional {$250.00}, for a total of {$370.00} for a proper appraisal ( although that amount would really be {$220.00}, because they say we only paid {$120.00}, even though we have bank records ). This appraisal does not guarantee the removal of our PMI. We simply ask that they be fair with their process. This is a complete scam and an arbitrary process, as well as a way to make more money through a proper appraisal ( which they should have done the first time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Resolution Group, LLC
State: FL

Complaint narrative:
Company is currently using an auto dialer with a recording message that i am currently under investigation for my assets.

This is a blatant violation of FDCPA also TCPA for method of contact being that i did not consent to be contacted via auto dialer Furthermore there numerous complaints on the web for there tactics to intimidate consumers with is un just and-needs to be rectified

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated

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 2018-03-08 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: LA

Complaint narrative:
In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & Experian so chose to wait until I was able to pull & print my annual report & write them then. I contacted Experian & XXXX   by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, Experian reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from 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 2018-03-08 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: Financial Business and Consumer Solutions.
State: UT

Complaint narrative:
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I contacted my lender because I felt the statement they sent me was not accurate. I applied for a loan modification and was denied because the investor said there were no options available because it was a " business '' decision. I offered to put {$14000.00} down but it was rejected because it did not fully reinstate the loan. I don't believe I owe what they say and I feel like they are overcharging me. My loan is now in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 someone used my information to get XXXX. In the year 2017 I have lost my wallet and had to regain everything back. It shows on my credit that there's a balance of XXXX owed to XXXX. Please removed from my credit that is effecting me very much.

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 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is trying to intimidate with their fraudulent tactics after I signed and agreement no 2015 cornered by their lawsuit against the house ( foreclosure ) I signed before that I always was in loan modifications but I didn't signed meaning I made the 3 payments but never signed the papers.. becouse mostly the agreement was for the company not for me at all on 2015 the balance was {$360000.00} that was lawyers payments and all the charges they made ( madeup ) the house wad listed for {$140000.00} but it eas ok I didn't end up homeless with my family they have me signed paper that up to now i don't understand becouse the are charging everything sinse a got their affordable work out wich was never affordable becouse the explained to me that after1 year they will be adjusted not a loan modifications but a different way to help me I'm in disability the know my income is fix most of the time. The firts months of the work out they claimed I own them. Money again after thw workout. First they said it was escrow now they claimed is becouse they are paying again THEIR LAWYERS. I don't understand but their lawyers send me many papers they claimed is the way their agreement is and I have to follow it {$5600.00} again every time i make a complaint their lawyers send me a hole bunch of papers mostly lies. But that's the way bank of America new way of changing people fraudulent tactics has to stop. Last time I make a complaint. They send me the police all this nonsense is making me sick my doctor agreed and everything is documented i will make this public I don't care about privacy becouse the got me all works out and I hope a lawyer see this and 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