vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX a call was made to Chase Bank in order to pay my credit card bill. Upon paying the bill I forgot to ask for them to remove my account information. Upon calling back I was told that it could not be removed without cancelling the payment. I insisted it could as I did so every month. The agent disputed this fact and I eventually requested to speak with a manager. After speaking with a manager I spoke of the issue once more. The manager said he would research to see if this could be done. After explaining once more that I have done so more than one time and having filed a report about this continuing issue he promptly removed my bank information from being on file and than apologized for the misinformation. At which point I asked for a credit to my account due to Chase Bank lying about the ability to remove my private information. He refused and I requested to speak with the executive affairs before filing a complaint with the consumer bureau Upon being transferred the lady who answered asked me what occurred. She.appeared to be dismissive and aggressive once I stated the request for a refund. She did however apologize for what had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo case number XXXX CFPB # XXXX Just I talked with case manager of  WF and she do not able to help. 
-Still insist due to the amount of time passed when the claim was failed they are unable to obtain the refund for the purchases- -they still do not accepted to continue with my XXXX monthly payments - they still remain closed my account. 
Why they invited me to make a settlement, if a never refuse to paid just I want to paid as usually 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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Good Evening, I had a credit card with XXXX XXXX. I received a notice dated XX/XX/2019, informing that my account will be closed as of XX/XX/2019, due to account inactivity. Previously my account was decreased based on running my credit report XXXX XXXX determined that I had too many revolving credit cards. Yes! I do have a few credit cards, but my payment history with them all is great. So I was decreased down to {$100.00}, and at XXXX XXXX, that's one bra. I decided not to use it, and save it for one of their big sales. I called today ( XX/XX/2019 ), and spoke with XXXX XXXX who informed that they will do that if you don't use your card. I asked the following questions : Q : When was the last time I used my card. 
A. A little over a 1 1 /2 ago. 
Q : Was I ever late with a payment? 
A : No XXXX XXXX you have a perfect payment history. 

I was informed that if I wanted the credit card back I would have to reapply. You hurt my credit by closing my account, and you want me to reapply ; which also hurt my credit. I can understand if I did something wrong ; I had such a BAD payment history, but guess what I didn't have that. 

PLEASE HELP ME!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with XXXX. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hello! My problem is with Wells Fargo Mortgage ( WFM ). They illegally changed my Adjustable Rate Mortgage ( ARM ) to a 30 year fixed Mortgage. Ignoring the terms of the original contract. Which over the life of the loan will cost me an additional $ XXXX- {$50000.00}. I have contacted them many, many times about the illegal transaction but they refuse to reinstate the contract to it's original terms. I contacted the Washington state Attorney General and because of that ( WFM ) made me a counter offer but did not reinstate the contract to it's original conditions. Also in the counter offer contradicted the original contract terms. At this point i think they are writing these contracts with the terms they want and are getting farther and farther away from the original contract. My loan was a small loan but on a larger loan this could be a very lucrative mistake! For ( WFM ). But what really scares me is there are millions of ( ARM ) loans written every year, how many of those have the same problems as mine and are not being corrected? Thank you very much for the help!

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 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE? 

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 explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: VA

Complaint narrative:
Certegy declined my check on the date of XX/XX/19 in the amount of XXXX Social security number:XXXX Check number:XXXX Reference number : 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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had issues with the bank before due to credit card transactions and being charged more then once. I have submitted transaction claims claiming that the transaction were authorized but the repeated ones from the same amounts were not. Tha bank file my claims I expressed that I due enroll my debit card on my XXXX XXXX phone because it requires it and when I disputed with them the transactions they closed my card and said that I'm no longer able to use a debit card with them. I still have the account open but that I am no longer able to have a debit card. Why because I'm disputing fraudulent repeated charges from my account? That is wellsfargo.

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 2019-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Im a veteran with a VA loan. My mortgage has recently been transferred from XXXX XXXX to Mr Cooper at the end of XXXX. Meanwhile I sent XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX as I only became aware of this transfer after I submitted the payment. So far Mr Cooper hasnt been helpful even though I provided bank statements and mortgage statements from commerce that XXXX payment has been made. Recently they threatened me to report credit bureaus. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: OH

Complaint narrative:
I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE 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 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 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Atlantic Credit & Finance, Inc.
State: HI

Complaint narrative:
A judement against me came up during my home purchase process. I have maild a copy of judgement along with a check to cover the amt owed on XXXX XXXX Check has been cashed and I'm requesting a release statement and recordable document to provide to my mortgage lender. Company states debt was sold to another company however they cashed my check. I've been calling this company since XX/XX/2019 after my check was cashed. I've called several times in a day only to talk with someone I've been placed on hold and transferred to several people. Spoke to a XXXX XXXX who said my account was sold to iXXXX. I can't get any answers.

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 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 ; 30 DAYS LATE PAYMENT ; XXXX XXXX-30/60 DAYS LATE PAYMENT 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 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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019 I was advised the bank was planning to block my account. I have gone into the bank branch and called their Consumer support line multiple times. 

The bank can not or will not tell me why they are going to block 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 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
There was a Collection from Midland Funding on my credit report. The collection was Paid in Full on XX/XX/19. I disputed the debt on my credit report. Midland Funding stated they received the debt paid in full on XX/XX/2019. However on XX/XX/19 Midland Funding reported the debt as still owed and not paid off. If this debt was disputed on my credit report Midland Funding should have reported this debt as paid after XX/XX/XXXX. Instead this debt remains on my credit and should have been reported to my credit for the investigation on XX/XX/XXXX as paid in full. My credit score continues to drop and shows as a Negative/Derogatory Remark when this is not accurate updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
This debt collector is trying to collect a debt and when asked if we wanted to pay in full we said not at this time and we will when we get extra money. They tried to do automatic payments and we said no you guys called at the wrong time but we will pay it. They proceeded to threaten to find us at work and how they would ruin our credit.. this is no way to talk to anyone! 
XX/XX/XXXX I received 2 calls in a matter of 15 minutes.. my significant other received 4 times with having to hang up on them and now we might pursue speaking with a lawyer about the harrassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 ; US Collections West , Inc. acting on behalf of XXXX XXXX /XXXX XXXX   placed two credit bureau marks on my XXXX Credit Report. I placed a call to the collection agency and advised them that the debt they are attempting to collect was not valid because litigation has not been completed due to a pending appeal in the XXXX County Superior Court. 

I demanded that they remove the two marks and they refused to do so. I asked for validation of the debt including a signed judgement, from the appeals judge who is currently hearing this appeal, authorizing collection activity. As of the date of this complaint, I have not received any information showing they have a legal right granted to them by the appeals court allowing collection activity. 

On XX/XX/2019 ; I received a call from an agent named XXXX or XXXX XXXX from US Collections West , Inc. and I reiterated that she and her company had no legal right to collect since there is no valid debt. Ms. XXXX the proceeded to tell me that she would get her lawyer to force me to pay, and I was subjected to rude and hostile conduct while I was at my place of employment. 

I have disputed these two credit bureau marks but XXXX keeps reporting the invalid info as valid and confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MA

Complaint narrative:
I applied, and was approved for a credit card through XXXX XXXX XXXX. After approval, I recieved a letter indicating I had to send in a ton of documents to an investigator ( XXXX XXXX ). More documents than were required for a mortgage application! The letter gave some XXXX XXXX excuse about inability to verify application information, though no other credit card company or mortgage company has had this issue. Clearly the company was too lazy to actually verify any information. 

In any case, instead of providing forms to fill out online or submit online, I have to fax them. It's XX/XX/2019, you are a multi-billion dollar bank, learn to use secure e-mail instead of being lazy. I am uploading all the material I was asked to send in to this complaint. Shame on XXXX for having such poor services.

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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Someone opened accounts in my name I was unaware of and also tryed to that I was unaware of XXXX in the amount of XXXX Inquiries : XX/XX/19 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 2019-04-03 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: GA

Complaint narrative:
I have applied for TEPSLF through XXXX  XXXX  because I have made over 120 payments in total on the standard, graduated and income based repayment plans. Each time, I obtain a response from the TEPSLF program regarding the number of qualifying payments the number of payments fluctuate and are inconsistent. I have been unable to obtain detailed information regarding which payments are deemed non-qualifying and why to attempt to rebut the in accurate findings. 

I have certified my XXXX XXXX employment beginning XX/XX/XXXX through XX/XX/XXXX. During this time period, I requested a forbearance from XXXX. Aside from this time period, I have made 123 payments, only 1 of which was late. 

I received a qualifying payment count of 116 on XX/XX/XXXX and then on XX/XX/XXXX the count somehow decreased. There have been other fluctuating payment counts that defy logic.

Company response to consumer: Closed with explanation