vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wrote a check from my bank ( XXXX ) to a person with an account at Chase Bank. My bank ( XXXX  ) paid the check on XX/XX/2018 to Chase bank. Chase bank is holding the check from the recipient so the recipient cant get the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX  and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK CASHIERS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX was the last loan I had paid off for the amount of {$230.00} Accordingly to XXXX XXXX I re-loaned on XX/XX/XXXX for an amount of {$250.00} owing them {$290.00} on XX/XX/XXXX. I came to find out on XX/XX/XXXX of this loan as XXXX called me from XXXX XXXX as a courtesy reminder, advised XXXX I have not stepped into there located for a loan since the last time I loaned which was In XX/XX/XXXX, she explained that they have a signed contract by me, she provided XX/XX/XXXX as the date I walked in there and loaned for {$250.00}. I explained to her It could not have been me since I was at work from XXXX-XXXX & have records of being in the office all day without leaving at any point during the day. She did not try to help in launching an investigation to see what happened, I went into the located today XX/XX/XXXX to pay the loan amount of {$290.00} so that amount will not go into collections for me not paying, as I was there I asked for a copy of the contract I supposedly signed on XX/XX/XXXX and signature on Check & Contact are nothing alike to my signature. I explained to XXXX this is not my signature on this paper & she seemed nervous when she said " It can not anyone 's else 's signature other than yours ''. I'm attaching A copy of the contract & check from XX/XX/XXXX & also a copy of the last loan check that was cashed with my correct signature from XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back 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 2018-04-18 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a very vague response, almosrt two months later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On MondayXX/XX/XXXX I found an add for XXXX  tickets on XXXX and I texted the seller who went by XXXX XXXX he told me he was willing to sell me a ticket for {$240.00} if i was willing to use XXXX. today XX/XX/XXXX i text the seller again I receive the payment information, and we decide on a meeting point so that we could start the transaction, I was given his email address XXXX I proceeded to send him the payment and am told that he will be at the meeting place in 45 minutes. He texts me claiming he is pulling in, and then blocks my phone number so that i can not contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX : A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX : A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.

XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Complaint against : ( 1 ) XXXX XXXX XXXX that handles my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,  OH XXXX, Phone : XXXX  and ( 2 ) XXXX XXXX , XXXX. ( third party biller for XXXX XXXX XXXX  ), XXXX XXXX XXXX , XXXX,  FL XXXX, phone : ( XXXX  ) XXXX Here is a chronological order of events that have taken place so far, ( a ) A balance transfer of {$8700.00} was requested by me in XX/XX/XXXX from my XXXX   credit card to my XXXX XXXX XXXX credit card. Subsequently, a cashiers check for {$8700.00} was issued by XXXX XXXX XXXX  's third party biller service XXXX XXXX  and sent to XXXX XXXX XXXX credit card.

( b ) The check was deposited in my XXXX XXXX XXXX  credit card on XX/XX/XXXX ( c ) On XX/XX/XXXX, XXXX XXXX XXXX  card decided to reverse this transaction. So, XXXX XXXX XXXX mailed a cashiers check for {$8500.00} back to XXXX XXXX. XXXX XXXX XXXX cashiers Check Number XXXX, dated XX/XX/XXXX ( d ) XXXX XXXX XXXX   received this check on XX/XX/XXXX and deposited in their XXXX XXXX XXXX, Bank # XXXX, and sequence XXXX. 
( e ) However, his amount of {$8500.00} was never credited back to my XXXX XXXX XXXX  by XXXX XXXX XXXX.

( f ) In the last 16 months, I have written 6-7 times ( certified mails ) to XXXX XXXX XXXX about this issue. They have always replied that " they never received any check for {$8500.00} ''.

( g ) I spoke with XXXX XXXX  in XXXX XXXX  on XXXX. Upon checking her records, she indicated that {$8500.00} was in fact transferred to XXXX XXXX XXXX through ACH. She indicated having proof of XXXX XXXX XXXX  ACH debiting XXXX XXXX for the amount of {$8500.00}.

After 16 months of getting a run-around by all involved parties in this issue, I am completely frustrated and filing this complaint. I am requesting that this amount of {$8500.00} be credited to my XXXX XXXX XXXX ASAP. I am also asking that I be credited the balance transfer fee of {$87.00} as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiBank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 monetary relief
Consumer complaint received 2018-04-18 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: Security National Automotive Acceptance
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. 
On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. 
OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). 
On XX/XX/XXXX I made a payment to XXXX  of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. 
On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. 
On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. 
OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). 
On XX/XX/XXXX I called SNAAC, along with my military financial advisor,  and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. 
On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
It all Started when I was granted a modification in the summer of XX/XX/XXXX with XXXX XXXX. 
I made all 3 trial payments to XXXX XXXX but lost the modification because they did not receive the paper work on time. 
I called XXXX XXXX to beg for my modification to be honored but I was denied and told to re-apply. I re-applied in XX/XX/XXXX I was timely with the documents that were requested from me. Oddly though, The documents would sit with XXXX XXXX until they were expired and I had to re-send the documents over an over again until I submitted a complaint with my single point of contact 's manager in XXXX. They apologized and promised that everything they had was enough to be reviewed. A month later I receive a letter stating that my loan was sold to SLS effective XX/XX/XXXX. I called XXXX XXXX and asked what was going to happen to my application on file, I was told that decision for approval was pending and when I was approved for a modification, I would have to send my payments to SLS. 
When XX/XX/XXXX arrived I called XXXX XXXX. they said they had no record of a decision and to contact SLS. 
I contacted SLS, I was told that a packet was sent out to me to fill out for a loan modification review. I sent the application back as soon as I got it, XX/XX/XXXX. 
On XX/XX/XXXX, I was denied. I was told the reason for denial was because my investor, XXXX XXXX, did not approve granting me a modification. How is it that when my servicer changes, all of a sudden XXXX XXXX has a change of heart? I have the same investor just different servicer. I believe my loan was sold for the banks personal financial gain. XXXX XXXX prolonged my review just to have enough time to wash their hands of my loan. Now, I am in foreclosure without a home retention option, all because of the race of time. I never received court documents or proof of foreclosure. 
I am a senior citizen, where do they expect me to live?!

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I began making mortgage payments to Nationstar Mortgage Property Servicer, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, after my loan ( with a modification ) was transferred to them XX/XX/XXXX, from XXXX XXXX  XXXX XXXX. All previous mortgage payments, from the date of purchase of my home in XX/XX/XXXX, were made to XXXX XXXX   XXXX XXXX. My bank records verify payments from XX/XX/XXXX through XX/XX/XXXX, to Nationstar, at which time they transferred my loan modification to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX. Nation star has refused to credit my XXXX mortgage payment as a XX/XX/XXXX payment ; and passed my loan on to XXXX as Missing a payment for XX/XX/XXXX ; in spite of records sent to them verifying my payments from XX/XX/XXXX through XX/XX/XXXX. I see this as a scam by Nationstar to pilfer/steal funds from me, by having me pay a second XX/XX/XXXX mortgage note. This behavior is debt collection fraud ; and I seek redress and resolution to this criminal activity by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was called on XX/XX/XXXX by a debt collector, they are calling from a Tampa, Florida number. They told me the conversation would be recorded and I did not consent to the call being recorded as Florida is a double consent state. They then would not tell me who they were and what they were calling about until I had to call back to see who they were. They stated they were trying to collect a debt from XX/XX/XXXX from M and T bank. I had explained that I am no longer liable for this debt due to being over 10 years and they continued to argue with me saying I need to get my affairs in order and pay the debt. I receive constant phone calls from them even after telling them on a recorded line to stop calling. I do not know how they got a hold of my personal cell phone number as it is not a public listed number.

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 2018-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Card was charged an air ticket purchase which was not made by me and the credit card company looked into it then came back saying it is me. I want them provide proof it was me but they refused to.

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 monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.

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 2018-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This was a XXXX XXXX XXXX XXXX  loan taken out in 2004. It was collateralized against my principal home, last year I began not to make payments on the home and lost it to foreclosure in XX/XX/XXXX of last year. I stood in the home until XX/XX/XXXXof this year and I recently in XX/XX/XXXX found out from the BK trustee that the business loan was paid off in full, after looking at the payoff the balance owing was only {$64000.00} and then I saw the outrageous amount of {$62000.00} in interest fees and another {$80000.00} in additional fees, these amounts are quite high, my question to you is if you can dispute these fees for me and see if they are legal, I was left wiped out after running this business for 25 years plus and counting on this money for investment and retirement. Please help and advise.

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