vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I opened an auto loan on XX/XX/XXXX with XXXX bank for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, XXXX, and Experian. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and Experian FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

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 2017-08-28 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: TN

Complaint narrative:
I have disputed the fact that I was never late and there is not a pending foreclosure. My Equifax report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with Equifax, XXXX and XXXX. There were no late payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: TN

Complaint narrative:
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and Experian. There were no late payments either. I need this information corrected on my reports 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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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:
I want the reports updated and information with this house loan and other accounts on my reports XXXX XXXX XXXX / Trans Union they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter

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 2017-08-28 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: NC

Complaint narrative:
I want the reports updated and information with this house loan and other accounts on my reports Experian / Equifax XXXX XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new XXXX on line and by the mail. i have attached paper work to as whom i, am with the XXXX credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: NC

Complaint narrative:
I want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter

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 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Submitted a complaint several weeks ago and the complaint was closed WITHOUT Wells Fargo addressing the reasons for which the complaint was filed. 
( 1 ) My home was scheduled for foreclosure on XXXX/XXXX/XXXX. Which was six months after my wife passed away on XXXX/XXXX/XXXX. WHY? 
( 2 ) I was denied an opportunity for a modification on a home that I was paying XXXX a month for the mortgage and I currently rent for XXXX after I was force to move. WHY WAS THE MODIFICATION LOAN DENIED? 
Wells Fargo refused the payments that I tried to make in the interim, they referred me to their council. 
( 3 ) Wells Fargo refused a short sale saying I was already too far behind in payments and that is because they refused payments!
( 4 ) My home of 20yrs was sold by Wells Fargo without My being informed in anyway and is currently on the Market as a rental Property valued at XXXX and a monthly XXXX which is 2x my mortgage. It was For this Profit, they took away 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 explanation
Consumer complaint received 2017-08-28 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: GA

Complaint narrative:
There is a collection account on my report that is not mine, I have sent affidavit and police report stating that someone is getting medical bills in my name. Please delete the following XXXX XXXX XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXXXXX, i made a mobile deposit check # XXXX, Amount {$1500.00}. This check was from the president of our company, it was a XXXX check which is local and the funds were available. ( I am the controller of the company as well ). I received an email from XXXX Bank that the deposit was on hold until XXXXXXX, with no reason or explanation. I called the XXXX number and they could not tell me why it was on hold, she noted maybe they tried to pull the funds and they were not available. ( i highly doubt that was the case, he runs a XXXX M dollar company ). I asked if they contacted XXXX to confirm the check was okay to process, they claim they can not do that. I then asked to speak to a manager, and was transferred to a supervisor, whom i gave her the number for XXXX and asked her to call to verify the funds and remove the hold. She advised me that they cant remove a hold, no matter what, there is nothing i can do. My mortgage is now 2 weeks late and i am receiving late fees. All due to them putting the deposit on hold. 
I am very unhappy with this and find it hard to believe that once a hold is put on a deposit it ca n't be removed. Ever!. That does not make sense to me. and they did not give me a viable reason and noone was able to assist. I will NEVER use Huntington Bank and i feel they should reimburse me for all late fees, finance charges and time that i have spent during work on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: SC

Complaint narrative:
I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX  XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I did a modification and my mortgage company said they assessed the home for XXXX and when I received my XXXX county tax assessor for my home my home was valued at XXXX and that is a big difference for what my mortgage company stated. I also reported that I had a drop in income and medical problems in which is causing financial distress and felt nothing was done about that problem. In addition, I felt that my loan mortgagor stated fraudulent reports about the value of my home to keep my mortgage payments up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Nothing that is the problem. Simple request ... ..PLEASE MAKE CAPITAL ONE STOP SENDING ME OFFERS OPT OUT MEANS OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We applied for a mortgage through XXXX XXXX. Chase is issuing the loan. 
Chase refuses to discuss this issue over the phone so we can resolve the issue. 

Based on the actions to date, I believe Chase is taking actions based on my race and/or gender in violation of the Fair Housing Act. XXXX XXXX is a minority, woman-owned XXXX XXXX in the State of California. As stated on my profit and loss statement and balance sheet, the business provides XXXX XXXX XXXX. Chase continues to tie the financial viability of the business to approval of the loan, even though we have demonstrated that there are sufficient personal assets to meet the requirements of the loan and the assets of the business were not used as a basis of the loan.
Chase is holding our mortgage application to a higher and/or different standard due to my race and/or gender.
Chase is effectively denying this loan by drawing out their quality review process far beyond the close of escrow date and their stated quality review timeline of 72 hours. 

A detailed explanation of the situation, buyer 's situation, and requests for actions are in the attachment.

Company response to consumer: Closed with explanation