vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Dear XXXX and Transunion I would like to dispute my file due to the fact that as of XX/XX/XXXX my latest XXXX XXXX report from trans union/XXXX my score has fallen due to false reporting. 

My XXXX XXXX report says I only have 5 revolving accounts when trans union shows report over 20 revolving  account which is a big difference and causing me to lose over 30 points in 1 month. 
XX/XX/XXXX XXXX XXXX XXXX trans XX/XX/XXXX XXXX XXXX XXXX I

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian and attempted to add my Consumer Statement. The representative acted as if he entered and then read back to me my Consumer Statement. It does not appear on my report. 
I attempted to provide accurate information regarding original loan amount, current loan amount and date of relationship with the Lender XXXX and other Lenders on this report. 
I was told they will only show what is sent to them from the Lender and not from me. 
I have had a relationship with XXXX for more then 20 years. 
XXXX has opened and then closed my account over the years as we had mutually agreed. 
Experian and the Lender have made statements that are false and misleading. 
XXXX assigned me a new Credit Card number and a line of credit for {$6000.00} at a repayment term of 18 months @ 0 % interest rate. 
However this information is not available to other lenders. 
The failure to report the facts of my loan agreement is missing and is designed to make me look like I am a high credit risk. 
This is done by limiting the information as it appears on my report. Instead of the true facts, it is reported that I am maxing out my available credit allowing Experian to create a scenario that is harmful and incorrect lowing my credit score by more then 100 points. 
This is what Experian is reporting to other Lenders who look at my Credit report.

Experian and the Lender together are failing to accept or mention the terms and conditions of my actual account. 
It is in reality a loan being reported as a revolving loan even though I have a different repayment agreement. The report makes me appear as if I am a credit risk when in fact I have excellent credit with XXXX. 
I have never been late in my repayment with XXXX or any creditor ever as my current Credit Report shows! 
However after opening the new account with XXXX it has become a derogatory account making me look like a very high credit risk. The same thing happened with my two XXXX Credit cards one for {$3000.00} and the other for {$12000.00}. All of these accounts have the same terms and conditions for repayment. The agreement is for 18 months at 0 %. 
I have proof that I wish to submit so that my report is correct and accurate. and was told that I could not provide them with this information and that they will not consider it at all.

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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I'm having an issues with JP Morgan Chase Bank. The issues is between an internet website vendor XXXX and myself, that they are in breach of contract for the services they promised and sold me. I asked them to cancel my services with XXXX, they would not without charging me the full amount, we were 4 months in on a 12 month contract. This is the back story. 
I contacted Chase on XX/XX/XXXX to put stop payments for the monthly billing from the XXXX website and they did for the amount of {$120.00}, I also asked for any future charges from XXXX to not permitted to happen from this vendor, as well as cancel my current card and to re-issue it. Thinking this process was done on XX/XX/XXXX, I received a charge from the vendor XXXX in the amount of {$900.00}, and the card was not cancelled. 
So we contacted Chase Bank to have the charge of {$900.00} to be disputed and Chase reversed the charges, It was until XX/XX/XXXX the card was finally cancelled. weeks later Chase contacted me by email to say they are siding with the vendor and reversed the charges again. I contacted Chase and spoke with the department that makes their decision to stop payments and charges. I asked if they had noted the account on XX/XX/XXXX, they said no notes on the account, I asked do you note every call? They replied yes. I asked what department was I speaking with that put the stop order in, for all charges, they said they did not know. I asked to speak with a supervisor and got the say reply they were going with the vendor. I asked why didn't they call to speak with me on the charges and only the vendor. They had no reply. I explained the vendor and I relationship has no bearing on the charges that incurred do to them being in breach of contract. I asked what is stop any and all future payments from this vendor means? Their only response is that they decided the charge was relevant and that only checks can be reversed not XXXX charges. This put me over the top. That XXXX   purchases absolutely can reversed and this is why we don't use checks any longer. The call was over at this point because Chase was not working to protect my 2 business and 2 personal accounts I have with them.

After the 2nd response that they we're going with the vendor, we then resubmitted for a reversal of the charges again with no avail in changes. We feel that Chase is not protecting our money and is willing to give it out to any vendor regardless of the situation. All locations for bank documents are not able to be found online they all show blank so all consummations here are not able to be printed or seen from a public or private stand point. 

We greatly need your help and protect in this gross violation against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in the middle of trying to purchase a home for me and my kids. I am a single mom and have worked hard to maintain great credit and save for a down payment. When my lender went to run my credit score my rating had dropped 100 points hindering my ability to buy my home. The score had dropped due to a credit card being opened by XXXX Citibank without my permission or application. When XXXX switched over from XXXX XXXX to XXXX I called and said I did not want the card. They assured me the card had been closed. I never saw the card or used the card. They proceeded to charge a XXXX Membership to my card even though I told them not to. This occurred last XX/XX/XXXX. I called them and they assured me the card was closed and that the fees, interest and charge had been handled. I have battled them for a year since then for a strange XXXX charge that keeps showing up on the card for interest against a {$0.00} balance on an account that is closed. They are killing my credit score. When I attempted to speak with them about this they said I could not talk to their disputes department and that I could only fax in my complaint. My lender is asking for a letter that states this was cleared up last year and will be deleted form my credit. They are refusing to give me a letter despite admitting over the phone that they can see it is an error in their system and that they don't know why their system keeps doing this. I desperately need your help. I am in escrow right now and if I can't get this cleared up in the next week I will lose my deposit and my home.

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 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was purchasing a house in XXXX and I was instructed by my XXXX agent to wire the {$25000.00}. I did at Bank of America on XX/XX/XXXX. On XX/XX/XXXX he called said run to bank cancel it, its fraud. So I did.i bank with Bank of America. The money was at XXXX XXXX XXXX in XXXX. No one would give me information. 
Im still waiting XXXX XXXX wanted a hold harmless letter. To release my money. Bank of America refused. 
Please help me get my money back. XXXX XXXX XXXX knows who the account belongs to and will not talk to me, b of a wont help either.

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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
This collection is showing on my credit file.I have no knowledge of this account.it says that i am a joint owner and it is paid.Have tried several times to remove it.It is illegal to report in accurate information on my credit file.I am buying a house and they will not remove from file.If it is not removed ASAP i will seek legal recourse for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My problem is with Wells Fargo who is the bank for my FHA mortgage loan. I was out of work due to layoffs and tried to get them to work with me on a modification. They lose my papers many times and will not let me work with a XXXX speaker. Finally after many times they tell me I am approved for a trial modification. I make my trial payments but then I never receive a permanent plan. I try to make my payment and they will not take it. I try to find out what happened and get no answers. I ask for XXXX speaker so I can know what is happening but they won't give me one. I keep trying to get help but they ignore me and start me to foreclosure. I have good job at XXXX for last 20 years and my son lives with me and works also and helps. We also have a rental unit and my mother helps with her SSI. We can afford to make a mortgage payment, but Wells will not let me go through review for the FHA help programs for homeowners. 

I buy my home in XX/XX/XXXX and then go into an FHA refinance with Wells Fargo in XX/XX/XXXX. That was during the recession and I lose my job for a while and things are very hard. I have a rental unit but that was vacant at the time and also my son who helps me now was not working. So I missed some payments then I began trying to get help with a modification or partial claim or forbearance plan. I apply many times and they lose my paperwork and tell me they did not receive the information. Then later they say I don't make enough money to get help. When I try to find out more or get a XXXX speaker I get no help or explanation. Finally I apply and Wells finish the review and approve me for a trial modification. I make the payments on time and wait for the permanent plan. But this never comes. I try to call Wells to find out what the problem is and once again I can't talk to a XXXX speaker. I get no good answers because I made the trial payments on time but then I don't get permanent. 

I have lived in my house for 13 years and have a good job working at the XXXX and I have my son living with me and contributing plus money from my mother 's SSI and rental income. I have enough money to make a mortgage payment but Wells will not take money from me unless I pay all missed payments. I want a plan or modification so I can get caught up on my missed payments and start fixing this problem. I feel like I am being ignored by Wells Fargo and that they want to foreclose on me instead of help me or work with 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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates
State: FL

Complaint narrative:
Yesterday, the company responded to your complaint number XXXX, In their response, the company stated, " We have closed this in our office no further contact will be made with this consumer. '' Today, at XXXX XXXX EDT, the company placed the same robo call to me. They stated that several complaint had been filed with their office. They stated that my cooperation was required. They did not identify the company or the individual calling. The call came from ( XXXX ) XXXX, again with a spoofed caller ID name. 

Clearly, the company misrepresented themselves to the CFPB in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: WI

Complaint narrative:
In Late XX/XX/2018 I contacted Experian, XXXX and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with Experian, XXXX or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.

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 2018-06-13 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: U.S. BANCORP
State: TX

Complaint narrative:
XXXX ( platinum visa card ) basically says that they will charge higher APR on the balances for one month even though the customer is willing to pay it off the day after the promotion ended - which is not the case with other credit card companies. 

This either seems to be clever use of verbiage or deception of customers. 

I have 2 balance transfer offers at 2.99 % until balance is paid off and 2 balance transfer offers at 2.99 % ending with XX/XX/XXXX statement. 

I paid off the amount for the balances on XX/XX/XXXX and XX/XX/XXXX ( 2 payments ) after I got XX/XX/XXXX statement on XX/XX/XXXX -- expecting the 2 balances will be incurring higher APR starting XX/XX/XXXX. 

I see the payments I made were applied to older balances ( 2.99 % until balance is paid off ) as seen in XX/XX/XXXX statement. 

On calling customer service - and taking to the supervisor - I am told that there is a delay of one month for the system to update the APR and hence it applied to older balances -- - basically I had to pay one month APR charges extra to pay off the balances that I intended to pay - which I is not correct/right ; and I have to keep paying higher APR interest on remaining balance. 

If you say the promo ends by XX/XX/XXXX statement ; then allow the customers to pay the remaining balances right away instead of using unclear and deceptive practices to siphon off money.

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 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. 

Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Like many homeowners I have struggled to pay my mortgage. I have been hanging on for dear life until I finally decided to submit a short sale request to the Wells Fargo Bank. Its been over 3 months since I initiated the short sale and every time we call we speak to someone new who tells us something different. We have spoken to over 15 representatives and to date we cant seem to get an answer about this short sale request. It is hard enough I cant afford to pay my mortgage anymore and to be worrying about foreclosure. I received a letter XX/XX/XXXX saying I would have a decision on XX/XX/XXXX, the day before the pending sale date, neither me or my Realtor has been contacted. I do not want to go into foreclosure ... I would like to discuss a short sale. Because of the run around, representative who don't know whats going on in their own company and the fear of being thrown out of my home I have since filed bankruptcy. I still would like to be considered for a short sale so I can move out of this home with closure and some peace of mind. I have gotten very ill over this situation. XXXX and XXXX have set in. Sometimes I feel like I an about to loose my mind. Today XX/XX/XXXX my Realtor called Wells Fargo and was told that my home is being reconsidered for the short sale and we will have a decision within 24 to 48 hours. I am waiting for 48 hours which will be Friday XX/XX/XXXX and I am hoping I am still here when the decision comes. Too many people are loosing their  homes and the banks are just making homeowners lives more difficult when they give us the run around. Please I need your 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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Well? Here I am again opening a new complain. After my last call to you in XX/XX/XXXX ( sorry, I do not remember the exactly day ) I received the letter Of American Express around the first week of XX/XX/XXXX,  about my complain number XXXX. 
I need to open a new complain after I followed my funds with Taxation and Revenue State of New Mexico. The State of New Mexico needs to know when ( exactly ) American Express send the report and the total amount, the State of New Mexico it has not receive any info about it ; neither any number or sum. Actually I also need American Express to prove me and tell me how American Express sent my information and my funds to the State of New Mexico.

Company response to consumer: Closed with explanation