vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
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 2019-11-01 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: MD

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
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 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
on XX/XX/19 I initiated a conversation with a seller for a pitbull puppy. After talking said seller requested I send payment through an app called Zelle. I had never used this app and asked if it was guaranteed and was told yes. I quickly downloaded the app added my debit card and tried to send the full payment to which I wasn't able to do. I was advised by the seller to try to do half in which case I was able to do so in the amount of {$350.00}. However, it would not let me send anymore and the seller told me to wait until the next day and try again. XX/XX/19 I did so and was unable to so my husband downloaded the app and sent the other half which was {$300.00} via his debit card linked to the app. After some conversation with the seller was told the puppy would be available for me to pick up at the airport by XXXX the next day. The morning of the day of the puppys arrival XX/XX/19 I got an email from the airport requesting I send XXXX $ more for insurance I immediately got the hint that this was a scam. I called to no avail I messaged and told the seller that this was happening and I wanted my money back and they said they would I gave them until XXXX when I was headed into my bank and they did not return my money. They then blocked me so that I could not communicate with them. Since then there page has been removed and I have filed police reports and reports with XXXX and with my bank, I filed with my bank on XX/XX/2019 they investigated and told me they couldnt help me on XX/XX/2019 So I asked for them to redispute these transactions on XX/XX/2019. I spoke to Zelle onXX/XX/2019 and they would not give me any information regarding the other party who took my money and refuse to give me any help to retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hello I recently lost one of my grandparents + had to essentially up-root my life / relocate and wasn't able to keep my job, unfortunately this account fell behind in the process however I need this to be fixed. I've recently been re-reviewing my finances and need a resolution to make the account current and get the late payments removed if possible.

Thanks for your understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My card was declined on a Friday Night, I was completely lost as to why it was declined as I had the available funds within my account. Upon calling Wells Fargo, they said they were unable to process a single {$580.00} transaction, despite having funds available within the account, because of a {$500.00} daily limit is imposed, even with identity verification.

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 2019-11-01 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: Nelnet, Inc.
State: NV

Complaint narrative:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for 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 2019-11-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for 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 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to report a bank error that is affecting me in a huge way. My name is XXXX XXXX. My SSN XXXX, my Date of birth is XX/XX/XXXX. I tried to solve this issue with JP Morgan Chase but they refused to give me a fair solution. I have an account with JP Morgan Chase bank. Account information : JP Morgan Chase-Auto Finance. Opened date : XX/XX/XXXX. Highest balance {$50000.00}. 

I processed my payment for XXXX ON TIME ( two days before the due date ), as I always do every month. This time, I paid through the online banking, looking for a way to make it easier for me. For any reason, the web site indicated that the transaction was SUCCESSFUL. 

I never received a late payment insertion or at least a call from Chase to warn me about my reports getting a hit, that is a clear violation to the Fair Credit Reporting Act. 
I have never been late in my life. This is the first time that a late payment is reported in my credit history and is because of a BANK ERROR. I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is negligence, UNFAIR BUSINESS PRACTICE, breach of contract and the list of violations can go on once I sat down with my attorneys. 

I must say that Ive been trying to set up auto-pay through the JP Morgan Chase website for more than 1 month ago, but I have not been able to because this website is not friendly at all, its very hard to understand. That is why I processed a onetime payment two days before the due date. Ive been always willing to process my payments on time and this is the reason why I have an excellent credit score, but this wrong information reported to the credit bureaus is killing me. It seems that Chase bank intentionally make this automatic payment very hard to do online and pretty sure it is not the first time you here this. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with interests I want. If Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with Chase was due. Proving this was not a money factor or even worst that I wouldnt want pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
After a month of sending in paper work, taxes, Mortgage notes and passing credit requirements. 
I was in the last process of being approved for a home equity line of credit through US BankXXXX 
Then under writing discovered that in 2008 my mortgage had been motified, through the HARP program. This program was designed to bailout the banks and help refinance the struggling homeowners, at a fair and reasonable rate. Since my homeloan was through XXXX XXXX, XXXX XXXX & I was indeed struggling to keep my home, I qualified. 
Now 12 years later, USBANK rejected my application and said I no longer qualified to receive a Home equity loan. They stated bank policy, states, no home equity loan, could be given on a mortgage that had been motified, due to financial hardship. 
I read my HARP agreement & no where does it state that I would lose my right to utilize any future equity in my home, for as long as I held this HARP mortgage. 
The 2008 housing market crash, left me victim to almost losing my house. 
Now 12 years later, because I participated in this program I am being discriminated against. 
I feel this is an unfair lending practice & wish to not only complain, but find out how many other people have been denied the right to utilize their equity, by USBANK or any other lending institution. 
If I had filed bankruptcy I could of kept my home & it would of fallen off my credit in 7 years. 
I chose to instead, to work with the banks, pay what I owe, stand strong & build my life again. 
I would like this situation investigated, if not for myself, then for all the other people in my position, who did not realize they were or would be discriminated against. 
I should not have to refinance my home in order to use its equity.

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 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
The company called Credit Corp Solutions calls my number constantly. The phone rings twice and that is it. One day, I answered and there was no one there. No one leaves a message. If I block the phone number, I get a call with the next phone number in succession. If I block XXXX, I will start getting calls from XXXX. The company leaves no voicemail, doesn't answer if I do pick up, only lets the phone ring twice. This company calls every day 7 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Self Lender Inc
State: NV

Complaint narrative:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. 

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NV

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

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 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

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 2019-11-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

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 2019-11-01 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-11-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM

Complaint narrative:
I send NISSAN MOTOR CREDIT ACCEPTANCE CORPORATION a letter asking to verify an account reporting on my credit asking them to send documentation with my name XXXX XXXX proving that indeed I owe the alleged debt for this charge off. They reply with a letter saying they will not investigate violating my rights under section 623 of the FCRA. The FCRA is very specific if you can not prove it you must be delete it. attached I am sending the letter I sent them and the one they sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC
State: HI

Complaint narrative:
A licensed realtor in Hawaii is advertising on XXXX as a lender when he is not a licensed mortgage loan officer. This is deceptive as I think he is trying to obtain buyer leads by falsely claiming to be a lender. Also there is no NMLS # listed on the ad in XXXX until you click through the 14th page of their disclosures and complete their " application '' online first. 

Agents name : XXXX XXXX email : XXXX ph : XXXX Additionally, Keller Mortgage is licensed in Hawaii through their real estate agent : XXXX XXXX of the XXXX  XXXX office NMLS # XXXX. She is getting paid twice on the same transaction as a real estate agent and mortgage loan officer. That is not allowed per CFPB rules as well as allowing other XXXX  agents in Hawaii  to falsely advertise for " pre-approval '' when they are not licensed because XXXX XXXX  is open only because she has a MLO license.

Company response to consumer: Closed with explanation