vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MO

Complaint narrative:
In XXXX XXXX XXXX XXXX transferred my mortgage to Selene Finance in the middle of a loan modification that I had been trying to get since XXXX. Well I was denied that modification and forced into bankruptcy. My bankruptcy closed in XXXX so I again requested a loan modification, I was denied modifications twice in XXXX, then twice in XXXX. Finally in XX/XX/XXXX XXXX  XXXX XXXX said I was approved for the HAMP modification, problem was the new payment amount was over {$100.00} more per month than the original payment, the principal did not go down it went up and I was never ask to fill out a new modification application after the original modification was denied so my income was not even the same 3 years later. Then I made my first two modification payments to XXXX XXXX XXXX and they transfer my loan to Selene Finance, and I sent them my 3rd trial payment ... .after that fought them over a year for the modification. They say they could not get the paperwork needed from XXXX XXXX XXXX, however they end up sending me the modification paperwork in XXXX and once again does not have me fill out a new application so this is like five years after the original application was submitted, the payment was still over {$100.00} more than the original and the principal was now {$30000.00} more than the origiinal loan amout was, but I was desparate to keep my home so I signed them. Then in XX/XX/XXXX I lost my job when the company I worked for decided to give all 300 employees a 30 min notice to get out of building because they filed Chapter XXXX and in XX/XX/XXXX I had a XXXX so I have fallen behind in my payments. Two days ago I received a notice that my home is being forclosed on and the forclisure sell ia set for XX/XX/XXXX ... .I was notified 18 days before they sale my home of 30 years.They say they dont have to gi thru the courts, I never received a copy of my deed after they took over my loan ... .but seriously 18 day notice in the middle of the winter??? And where was the home affordable modification I applied for ... .everything went up not down and I fought for this since XXXX. The whole thing is just nonsense since my income went down twice since XXXX qnd no one even gets any updated information since XXXX when processing the modification ... ..just why did the government give them all the bail out money ... .I don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Dear CFPB Representative, I was contacted on XX/XX/2018 at XXXX by PNC bank and informed of fraud on my debit card. The bank froze my debit card and issued a new card with a new number. The new card was issued under a different, real person 's identity ( valid name, DOB, SSN, etc. ) but linked to my account and funds. 

The error was found several weeks later on XX/XX/2018 when I went to a physical branch office and asked for confirmation of the card 's activation. PNC was unable to resolve the situation during the visit ( 2hrs ) and recommended that I remove funds from the account but leave it open. I was unable to remove funds due to pending payments from the account. During the visit my wife and I were able to see ( shared with us on screen ) and hear the other party 's personal information being exchanged including name, DOB, SSN, account numbers, and PNC identification numbers. 

I have no documentation of this event because it occurred within PNC 's host framework and no documents were printed or distributed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am getting constant, sometimes twice weekly in the mail, offers of Chase ink Business Preferred Visa card. I am on the permanent list to not get credit card offers plus I have call them stating I am not a business nor do I have a business. I have called a second time simply stating nicely I do not want, nor would I ever ever apply for their card. I feel harassed by Chase. Please make them stop sending the XXXX offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this Experian who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later.

Username forgot username Password forgot password  Remember my username next time

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 2018-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this XXXX who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later. 
Username forgot username Password forgot password Remember my username next time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IN XX/XX/2014 someone used my personal information and opened a account in my name I filed a fraud case back then. XXXX is reporting different incorrect this to the three credit reporting companies they are in violation of section FCRA623, FDCPA806 { b } which state that creditor MUST enter a notice of dispute, if this is not entered the account can not be reported on the credit report ALSO THEY DO NOT OWN T^HE ACCOUNT THEY ARE REPORTING AND IT IS NOT STATED WHO OWNS IT NOW THIS IS FRAUD ON THERE PART i have been fighting this for over 6 months now still waiting for XXXX to respond to this date section 611 is also violated. there has been no evidence that I personally made this account in which I did not.reporting accounts that you do not own is a violation and fraud in which will use in a civil case against you and go public in this matter please read XX/XX/XXXX Enclosed are copies of the reports showing the violations enclosed is the proof of fraud by the company this to XXXX who does'nt answer responses they sent working on a caseto CFPB but nothing, this is credit reporting violations by 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 2018-11-18 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: GA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, your RECEIVABLE collections account was removed from your credit report. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: GA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX. The original creditor was XXXX XXXX XXXX. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...

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 2018-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
In XX/XX/2018, XXXX XXXX XXXX Collection Agency placed this account on my credit report for the amount of {$3500.00} on behalf of XXXX University. I have disputed this account SEVERAL times with the other collection agencies whom have owned this debt. Each time I have disputed the account, it has been removed from my credit report. I have never attended this University. This is the 6th time this debt has been added to my credit report and the 6th time I am fighting to get it removed. Furthermore, I did not receive any written letter from the University or the collection agency as to their actions of trying to collect this debt. Below is a list of dates in which this item has been removed from my credit report : XXXX XX/XX/2017 XXXX   UNIVERSITY {$3000.00} XXXX XX/XX/2016 XXXX UNIVERSITY {$3000.00} XXXX XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 07 XXXX   UNIVERSITY {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Reduction Services, LLC
State: NY

Complaint narrative:
I received a notice titled " Credit Settlement '' instructing me to pay {$510.00} a month to a company called Nationwide Debt Collection Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX for {$33000.00} in credit card debt. It claims to be a settlement of debt from various credit card companies. 
I believe this is totally bogus and I have no such debt so I do not plan to respond. I'm concerned that others might be taken in by this and ripped off so I am notifying you. 
The notice is XXXX Dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NE

Complaint narrative:
For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.

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 2018-11-18 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just got an updated credit score from XXXX and Equifax. I was able to get a loan to pay off credit cards and have a lower interest rate and monthly payment. Sure enough, my credit score has gone up. However, XXXX  increased my score by over 100 points, putting me in the " Excellent '' range. Equifax only increased my score by XXXX points, and I'm still in " Fair. '' This is completely wrong. If I need to buy a car or do anything else that relies on a credit score, I could get a MUCH better rate if the company checks XXXX  over Equifax. Our system is completely fouled up. I am a slave to the credit agencies, and they don't have any sort of system that is even similar to each other! How in the world has the US come to this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Not sure what to call this company in the complaint. I do like the company but I am in a stand still. I have opened the checking account with them since I already took the loan and have the investment account with them. I have never received my card in the mail because I can not reach them after submitting the information they asked for to make the change. I submitted my new drivers license picture as asked on the for to change address. I have also been asking them to change my phone number to the new number that I have without changing the number I am unable to do anything as in transfer money or anything because it always says they sent a verification text to my old number. I have tried calling 10 times never once got anyone on the phone I did the emails many of times got no response I did talk to someone on the live chat while promised it would be changed by end of day that was a week ago. I did not want to complain but the money struggle is real now and I could sure use some of the money I have in that account before I start to miss bills. I was also saving this money to do my son 's Christmas shopping which now I may be using bill money because he isn't going to suffer because a company doesn't want to allow me access to money that is mine.

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 2018-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America recently notified me of a breech of security at some unnamed merchant and they were issueing a new credit card and cancelling the old one.

This is a recurring problem with BOA.

When I called to find out which merchant i was refused the information.

I had to change pay accounts for 12 companies I had on auto pay and this was not the first time. 
Why are the consumers affected not entitled to know which company mishandled their information or had poor security?

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 2018-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
This debt was reporting to my credit report since XX/XX/XXXX which is not even mine. I tried to disputed with the bureau keep coming verified, but I dont have knowledge of it. I try to contact the creditor to validate the debt they also failed to validate, then I contacted back the bureau says that they creditor failed to validate this debt, which I request immediate delete of the debt. But they bureau refused to remove the debt, it only XXXX  I think who deleted. On XX/XX/XXXX I sent another letter to the creditor request immediate validation they failed again to validate. Instead of validate the debt, they put a duplicated account again on my credit report ; the same account number, the same amount {$410.00} and change the opened date to XX/XX/XXXX. They have violated my rights to not notify me by sending me a 30 day notice so I can dispute the debt. The failed also under the FDCPA. Information must be correct and 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: TX

Complaint narrative:
Reference : XXXX We issued the captioned complaint against Chase who has engaged in a widespread practice to solicit credits cards, open credit card accounts, collect fees, then close the accounts without disclosing the reasons and keeping the fees. It is hard to understand why this is not a national level financial scam. I submitted one of  the many articles I found from around the country complaining about this. 

We issued the complaint. As far as we can tell, Chase did not respond meaningfully other than to say the account will remain closed and to not mention the fee. You responded by accepting Chase 's word without question and closing the complaint without discussing this with us. 

The fact remains that Chase has engaged in this financial scam on a national level and yet this agency has done nothing. As a minimum, Chase should : 1. Nationally announce it engaged in this deceptive practice.

2. Nationally announce it will no longer do so.

3. Unilaterally refund the fees to everyone it has collected from under this scam, plus interest and a 100 % inconvenience fee.

4. Pay triple damages to the US government to fund this consumer organization.

5. Not close this complaint until Chase has completed these requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18 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: IL

Complaint narrative:
I was sending Equifax my documents, police reports since XXXX of this year and they have not removed it off my credit report. The account is '' XXXX XXXX  '' and it says I owe {$560.00}. Now I keep calling Equifax and they just keep making me jump through hoops repeating themselves always making me send them the same document.. I'm the victim!! but they are not helping me. And I can barely understand the person on the phone because they can barely speak English. it's irritating!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: NC

Complaint narrative:
Transunion has failed to remove a XXXX  XXXX bank card that does not belong to me, i have disputed that account as fraud several times as not mine and Transunion continues to violate FCRA laws that requires a Credit reporting agency to investigate and validate the accuracy of a disputed account and remove the account from ones credit file until the investigation is complete, this XXXX  XXXX bank card was removed from my XXXX credit file on XX/XX/2018 and it was removed from XXXX because it could not be verified or validated. 

Transunion continues to violate FCRA and is using an automatic system and not a physical person to check documents pertaining to disputes, Transunions has continued to us an automatic system that has allowed a fraud account to stay on my credit file. 

XXXX and XXXX has already removed XXXX XXXX bank account from my credit file, because it couldn't be validated, This means either Transunion is either using an automatic system or knowing leaving a fraudulent account on my credit file. I have the confirmation # and day that both XXXX  and XXXX removed XXXX XXXX back.

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 2018-11-18 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: AR

Complaint narrative:
XXXX AND EQUIFAX ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: Clarity Services
State: AR

Complaint narrative:
XXXX AND XXXX ARE XXXX AND SHOWING FAVORITISM TO XXXX XXXX  XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: AR

Complaint narrative:
EXPERIAN AND XXXX  ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.

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