vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a XXXX in XX/XX/XXXX. I exchanged my house in XXXX XXXX XXXX to the one I have been living in since XXXX, XXXX. Because of medical bills and no wages, I had to obtain an equity loan with XXXX  XXXX which was taken over by XXXX and finally bought by WELLS FARGO ( WF ). 

The rate of my equity loan was over 7 %. The original loan amount was for {$290000.00} so I have been trying to get a loan modification. I must have applied for a loan modification at least five times and I was always denied. I JUMPED HOOPS AFTER HOOPS IN HOPES OF GETTING A LOAN MODIFICATION even in my XXXX XXXX, to no avail. 

Wells Fargo cited that I was not in imminent default. They also cited that my DTI was to high so Wells Fargo denied my loan application over and over. 

I was given an equity loan knowing that I was XXXX and can only afford to pay the interest only payments, real estate tax, homeowners insurance, flood insurance and homeowners fee. 

When XXXX XXXX XXXX XXXX conditionally approved me in their program and sent notice to WELLS FARGO, WF rejected their assistance. The attached letter dated XX/XX/XXXX details the denial. 

XXXX XXXX XXXX XXXX was going to assist me by paying my arrears up to {$100000.00} to keep my loan current. Their only requirement was that I stay in the home for at least two years. 

Wells Fargo rejected XXXX XXXX offer of assistance and I asked WF why they rejected the assistance. They responded by saying that they never had any communications with XXXX. THAT WAS OBVIOUSLY A LIE. 

In one other phone conversation with WF I was told the loan modification was already completed that is why it was rejected. Another WF agent sent a correspondence stating that they never had contact with XXXX in the last month. That obviously a parsing of the truth. Why would XXXX contact Wells Fargo months or years later There are many other lies that WELLS FARGO conveyed and informed the customers just to whitewash them and halt their inquiries. 

Wells Fargo even says that their CEOs retired because of age. The news outlets states otherwise. 

The chairman and chief executive of Wells Fargo & Co., XXXX XXXX, has resigned effective immediately in the aftermath of a scandal over the bank 's past practice of secretly selling services to unsuspecting customers. 

Wells Fargo & Co said XXXX XXXX will resign immediately as chief executive, becoming the second CEO to leave the bank in the fallout of a wide-ranging sales practices scandal. 

There are many more deceptive practices that WF employs. 

At this time I would like to get a copy of my whole file in order to vet whether or not the information I received from Wells Fargo are indeed true.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have moved out of XXXX XXXX XXXX for the past one year yet the equifax refused to update my to my new current address. 
my old address ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX and my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America. 
Had a Balance of {$2700.00} on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. Was billed again from the bank on XX/XX/XXXX at which time I had a credit balance of $ XXXX an amount of {$73.00}. At that time I was charged residual interest again at {$22.00}. I have a second credit card which they did the same thing. I contacted the bank and they said that it is their policy to bill residual interest for 2 billing cycles after the credit card is paid in full. Also, not only did I overpay the bills but when I looked at the website for payoff amounts you have 3 options : 1. Pay minimum payment 2. Pay last statement balance 3. pay current balance This is misleading to consumers as the bank states that the current balance is not updated daily and actually does not reflect the current balance with interest and unless you call them you do not have the proper amount to pay off your account and will be billed again residual interest. I hate when I pay a bill in full and then a month later another charge ( residual interest ) magically appears. 

XXXX did the same thing but when contacted they immediately reversed the charges.

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 2019-06-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to get my credit report online from Equifax due to a fraudulent credit application. XXXX XXXX contacted me via USPS mail. I want to see if there are other attempts. Why can I not get this online. They want me to fill out a form with my Social Security # on the form and mail it to them. This is a joke! We are expected to value their reporting? I should not put my SS # on any document going through the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : Case # XXXX. 

1 ) The credit balance was created on XX/XX/19, but was removed in XXXX. Therefore, 90 days had not passed. ( Note that Citi has deleted all XXXX transactions and the XX/XX/XXXX account statement containing them from my online account history. ) 2 ) I did request a refund via chat within 90 days as you can see by requesting their support records. 

3 ) Regardless of what it said on the statement, this is not part of the terms and conditions for the card.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Visa Card. Today we received in the mail a multi fold document making changes to our account. The document informs us that there has been a merger of Chase and JP Morgan Bank. 
My concern is with the extreme requirements of the option to reject the arbitration agreement. Specifically they are asking me to send by USPS mail a written document including my name, full account number, address, and personal signature. That information must be received at XXXX. XXXX XXXX, XXXX, DE XXXX no later than XX/XX/2019. ( We received this notice on XX/XX/2019 ) ( XXXX ... ..number on front of mailer ) Problem : Credit card companies and or banks are expected to institute and practice measures designed to protect our credit card from theft and misuse. This requirement asks for all the pertinent information a thief would need to misuse our card and destroy our credit. 
In discussions with Chase customer service supervisors I have been told there is nothing they could do to change any of the requirements. No help there. 
The leaves three options : 1. cancel the credit card, 2. leave in the arbitration clause or, 3. provide the information they request and put our credit card information at risk in the mail. 
Obviously they want to make the " rejection of arbitration clause '' as odious and as painful as possible. It is also obvious that in their zeal to do that they have exceeded the bounds of reasonable and defensible requirements. 
Any assistance would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Opened an account with Barclay bank U.S.A back in XX/XX/XXXX. I have used the account a few times and paid if the balance as agreed. However, to my surprise the account was closed by the creditor on XX/XX/XXXX, without any notice. Instead I received a letter indicating the account was closed and I was urge to reapply if I still require use of such account. In any case, I took the creditor for his word and reapply for a Barclay bank credit card, however, to my surprise despite my excellent credit history I was turned down. I am not clear why I was turned down since, I am yet to receive a letter from Barclay bank indicating the reason for the denial. However, I feel as if I am being coerced.

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 2019-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I told the operator to quit calling me and the lady told me they will till the information on the account is changed and laughed at me when I said that Im going to call the FBI and said to go ahead and call so I did and here is what is happening now

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 2019-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2019/ XX/XX/XXXX XXXX XX/XX/XXXX-home equity line/ $ XXXX/ denied reason insufficient credit history/ on free and clear title deed home/ Citibank myhomeequity/ $ XXXX/XX/XX/2019/ action denied/ not approved/ free and clear title deed

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase Bank N.A as successor by merger to chase Bank USA N.A retaliated against me for filing a complaint against this bank within the CFPB. This Bank retaliatory adverse actions did not stop at the previous reported ones to the CFPB. Unfortunately this bank harassments and discrimination against me is recorded I will not upload all my evidences herein unless I have a Counsel since this bank charged me excessive interests while confiscating my funds for months against my will, this bank declined my transactions without a reason but to harass me, this bank increased by APR interest in a retaliatory manner despite I never failed to pay on time, this bank changed the terms and conditions of all my accounts from the version before the retaliation began so all the new terms and conditions introduced are rejected and disputed by me and do not apply to me and between us courts. Finally I am noticing also this bank about the following : I reject the arbitration agreement introduced recently as shown in the photos for all my credit cards accounts with this bank and I also reject any arbitration agreement with this bank for any account I have with them and at any time time an arbitration agreement will be introduced is also rejected at any time and without my prior or prompt notice in the future. All stated herein is to my current states belief knowledge and understanding and it is subject to any change or any correction by me or my counsel only at anytime without prior notice and without waiving my rights .I will sue your company who discriminate against American XXXX customers. It is my understanding this bank is targeting my well being and my safety and if anything malicious or harmful or negative to happen to me in any sort or state thus bank must be held fully legally responsible and to be prosecuted. Between us public opinion, media and courts. See you then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

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 2019-06-18 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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
They call my minor child 's cell phone starting at XXXX local time running throughout the day from different numbers each time. If anyone answers or calls back they become threatening and abusive on the phone. How they can do this to a child 's number is beyond me. We've reported it to them, blocked the numbers but the calls and abuse just wont stop. 

Protofolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX-XXXX-19, XXXX-XXXX-19, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a XXXX XXXX XXXX  credit card through Synchrony bank and the credit card never arrived. I called Synchrony and they said they'll send a new card. Now it looks like Synchrony has opened a second account, without my permission, which has damaged my credit score instead of just issuing the credit card from the first account that they failed to deliver me my credit card.

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 2019-06-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I left on military XXXX, which did not allow me to have my phone or computer while on orders. Nissan Motor Corp. reported missed payments on my credit. I had family try to submit my payments on time. Nissan denied the payment, NOT because of sufficient funds. I just want to show proof that I am in the military. I did try to submit a payment on time, I just these 2 missed payments erased please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: FL

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: FL

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # 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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Repeatedly called me at all hours even when told we live in Hawaii still call at XXXX. Calls 20 times a day on various numbers to our various phone numbers. 

The threatened my child after my minors told them they were kids and didnt know anything saying they were going to put me in jail. 

They called my elderly mother and told her if she didnt pay my debt I would go to jail. 

They are abusive and I've repeatedly asked for proof of the debt they claim I owe them. I've informed them I will only pay the debt originator and not them and written and verbally told them they may only contact me via writing after the continued abuse. 

Further, they are calling on a debt that is outside the legal collection period of my current residence and outside the window of my prior residency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

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 2019-06-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax continues to report inaccurate, unverifiable, and non- compliant information on my credit report. According to your last response, you verified my bankruptcy through XXXX XXXX XXXX. Well, I contacted XXXX XXXX XXXX and there are NO bankruptcies listed in their records. So, who are you getting this information from? I have enclosed a copy of the bankruptcy section of my XXXX report and it clearly shows there are no bankruptcies. Immediately delete the bankruptcy from my credit report because it is not verifiable and inaccurate.

Company response to consumer: Closed with explanation