vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX I called Bank of America and asked the customer representative about the transfer mobile feature. I specifically inquire about canceling a mobile transfer if I wanted to do that do to that and getting my money back from the transfer of funds. She told me I can cancel the transaction and obtain my money if done within 14 days. She also assisted me in helping me complete the mobile transfer. She was very nice. 

The reason why I called the bank was because I was making a transfer for an online transaction that I know it can be scam. Because of the answer I received from the bank 's customer service representative when I called, I decided to proceed with the transaction. I felt comfortable that I would be able to cancel the transaction at anytime within 14 days if it was fraud. 

I called back the bank at XXXX ( shorly after XXXX ) to cancel the transaction and obtain my funds as I was under the impression that this was officially a scam. Now I am told that I can not get my funds and that they are gone. 

Please go back and retrieve the recording. Again, I called the bank and the bank told me something and now it is telling something else. I think the bank should conduct an investigation, listen to the recordings and find out how I was given wrong information that consequently, resulted in me making the transfer. 

Thanks, 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 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Niagara Restitution Service Inc
State: TX

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX with with XXXX XXXX XXXX threatens to sue and suspend license for unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NC

Complaint narrative:
This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: FL

Complaint narrative:
In XX/XX/XXXX We took a loan for XXXX from XXXX  XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX XXXX, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

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 2017-10-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by J P Morgan Chase Bank for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
A bill from water company was sent to collections - i do n't believe that I owe the amount, but that 's not really the issue. I called to gain info about the matter, and asked to speak on a non recorded line and was promptly refused. My additional requests to not be recorded and my desire to be assisted were also followed by insults and a condescending attitude - both not good faith attempts on the part of " rash curtis and associates ''. These actions are illegal and unfair collection tactics, and I believe that living in California I am afforded such rights as to not to be forced to waive my rights to privacy and voice recordings to clear up an erroneous collection attempt. They have threatened negative credit reporting as well and did not attempt to solve the matter. The call was ended on their part as I continued to seek a resolution and they rudely hung up when i explained i would contact your agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.

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 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: New Southern Loans, Inc
State: NC

Complaint narrative:
This company is reporting a debt with a balance on my credit reports that was discharged in a Chapter XXXX Bankruptcy. I disputed the debt with the credit bureaus and it came back verified. I then sent this company a letter on XXXX XXXX, 2017 and they ignored it. Attached is my bankruptcy discharge and bankruptcy filing.

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 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System keeps contacting me. I set up payments with them and there was some glitch on the second payment so they called me and demanded immediate payment, giving me a deadline of 3 months. I disputed the amount of this collection and only set up the payment plan so they would stop harassing me, but it looks like they plan on harassing me either way. When they call, they refuse to leave messages.

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have applied for a Wells Fargo credit card numerous times and have credit scores in the 700 's and continue to get denied. I have friends that have credit scores that are much lower and have negative items on their credit report are getting approved. I feel that Wells Fargo picks and chooses applicants unfairly due to their demographics. I feel that I have been discriminated against by Wells Fargo. I have 3 checking accounts with them over 5 years and maintain good balances.

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 2017-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: NY

Complaint narrative:
On XX/XX/XXXX I wrongly deposited a check for {$50000.00} at a Citibank ATM machine to my credit card account instead of my checking account.. I called XXXX XXXX XXXX credit card that same day and was told it would take 3-5 days for the check to clear and for them to transfer it to my checking account. On XX/XX/XXXX I called again and was informed that due to the large amount of check, it was 5-7 business days not 3-5. They said the latest it would be was! XX/XX/XXXX. I called on XXXX and was told the transfer would take 5-7 business days from XX/XX/XXXX not XXXX which was the first day I requested it. They now say the funds will be transferred to my checking on XX/XX/XXXX which will be 10 business days from my originally request of 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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax in response to their " Notice of Data Breach '' letter. I said that I wanted them to remove my name and identifying info from their data base as a result of the recent criminal breach of this information. The person on the Help Line ( XXXX, from New Mexico, on XXXX at XXXX XXXX ), said he did n't think that could be done. I asked him to check and he said the supervisors he checked with told him that I should go to their website. Their is no information about this on the website. I asked to speak with a supervisor and he said that they would not talk to me. 

SHUT THESE PEOPLE DOWN! It 's bad enough that they XXXX up, but they are totally non-responsive to the same people that they shafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX for the amount of {$240000.00}. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX. to XXXX XXXX  XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX started a foreclosure action against me for the amount of {$190000.00} which is about {$47000.00} from the original mortgage 4 years earlier but I already had paid over {$97000.00}. How is that possible? I have been trying to fix the problem for this past year. I applied for a loan modification on XX/XX/XXXX but was denied on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating that Wells Fargo determine that I was eligible to pursue a short sale, so I decided to pursue a short sale as it was my only option. On XX/XX/XXXX required short sale documents was faxed to Wells Fargo with an offer of {$320000.00}, on XX/XX/XXXX they sent a denial letter. This was not the only offer presented to Wells Fargo offers were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each offer getting denied. Not only that, XXXX XXXX is n't really cooperating with the agent from XXXX XXXX XXXX. If Wells Fargo determined I was eligible for a short sale, then why are they giving me a hard time every time documents are properly submitted.

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 2017-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My husband and I got behind on our mortgage in 2015 due to a medical issue and changing employment. I started the loan modification process with CitiMortgage in XXXX of 2015.  My " Homeowner Support Specialist '' would always be unavailable or out of the office. I would often have to rely on email communications that would take days or weeks for a response. He would say that the documents I would send would never be received or they were inadequate or more documentation was necessary to give to the underwriters. This process went on for almost 6 months. I was constantly resubmitting documents I had already provided or asked for additional items. I was also being advised about not making a payment because if I did it could disqualify me from the loan modification program. I repeatedly asked for another worker for my file and requested to speak to supervisors. I would get nowhere. Finally they did give my a new " support specialist and after 6 months time and after resubmitting all documentation to the new worker it was determined that my husband and I did not qualify for anything but a repayment program that made our payment from {$1200.00} a month to {$2400.00}. CitiMortgage tried to take our home away from my family. We received no 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 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: DC

Complaint narrative:
I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Falsely reporting to my credit report {XXXX as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report XXXX as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {XXXX} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX - Falsely Reporting to my credit report XXXX} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX -Falsely reporting XXXX  XXXX. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {XXXX}. Requesting this be removed from my credit report. 

-XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting XXXX} to my credit report. I am requesting that this be removed immediately.

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 2017-10-27 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: NY

Complaint narrative:
-XXXX County Clerk - Falsely reporting to my credit report {$10000.00} as a Federal Tax Lien from XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

-XXXX County Clerk - Falsely Reporting to my credit report {$14000.00} as a Federal Tax Lien from XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

-XXXX County Clerk XXXX Falsely Reporting {$26000.00} to my credit report as a Federal Tax Lien from XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX/XXXX - Falsely Reporting to  my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

-XXXX XXXX -Falsely reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

-XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

-XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.

Company response to consumer: Closed with non-monetary relief