vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Got approved for a 2-month forbearance after hurricane Harvey in XX/XX/XXXX. 
Loan servicer tried to add 10 months to the back of the loans, instead of just the two. They lower my payment by almost one dollar. This was after a 3-month successful trial period, in XX/XX/XXXX. It took them 5 months to resend me the loan modification documents. 
Collection calls begin in XX/XX/XXXX. Signed revised modification agreement in XXXX XXXX Letters start to arrive in the mail threatening foreclosure in XX/XX/XXXX. 
After being refuted on their claims, because not a single payment was missed the entire time, except for the forbearance ones, company backs off and stops collection threats. in XX/XX/XXXX, servicer sends another loan agreement for me to sign, and just like the one in XXXX, it adds 10 months to loan. This time, payments are lower, but the numbers are still way off. The financials are very murky and not solved as of XX/XX/XXXX. 
I have no trust in this companys ability to handle my loan accurately and with integrity. 
The name of the servicer is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I took out a personal loan on XX/XX/2018. Since this time, I have been paying more than my minimum payment. My minimum payment is {$760.00}. I paid {$800.00} all but twice. This allowed me to get ahead and have a lower payment the following month. I only took advantage of this twice, once where I paid {$65.00} less than the total and the other {$15.00} less than the total. This past month I noticed when I paid that it was the full amount. Nowhere did it say that a lower amount was possible. I just had XXXX XXXX XXXX and I was planning on paying less in XX/XX/XXXX, based on some of the bills I figured would be coming my way after XXXX. I called and was passed from one person to a supervisor named XXXX. She said that they had changed things so you could not pay ahead. This change occurred in late XX/XX/XXXX or XX/XX/XXXX. No notice was sent out, they just went ahead and made the change. And according to XXXX, there is nothing I can do about it. So I have been paying extra knowing that I had this upcoming XXXX and I might need a break. But this company decided to change the rules without letting anyone know. I am not sure how they are allowed to do this. I think this is unfair and right now if anyone asked I would definitely not recommend this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Repeated robocalls left on my voice mail on XX/XX/XXXX & XX/XX/XXXX & XXXX & XXXX. 
There has been no contact at any time by any creditor concerning any debt owed. 
There has been no contact with the debt collection company other than the repeated robocalls. The robocalls do not identify the debt, the debtor or the creditor. 

The following is the repeated robocall message left on my voice mail which I consider harassment. 

" This is an important message from Pioneer Credit Recovery. The law requires that we notify you that this is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Call us back today at 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 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The situation happened on XX/XX/XXXX there was a fraud check was put in my Bank of America account for XXXX $ and my ssa check was deposited on the 1st and didnt post until the third  and now my account has a bunch of fraud checks in it. Its over drawn by XXXX $ and it was all done by individuals that I have stolen all my personal information and they have been doing this for years. And I have made several different reports and nothing has been done about it. I have made police reports and irs fraud reports and social security fraud reports and bank fraud reports and none of this places are doing anything to fix the issue.

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 2019-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC
State: KY

Complaint narrative:
I've received several phone calls from a lady whom identified herself as XXXX XXXX. She said that she is a courier for someone that is serving me with court papers. She wouldn't tell who the people were that was trying to serve the papers. She gave me a phone number to call XXXX and a case # XXXX, to get more information. When I called the number the first time ... it said the number is not available. I called the next day and a lady answered. She told me that she was collecting for a loan from Quik Cash from 2014. She said that there was a loan for {$300.00} and if i set up payment today. She will check with the attorney to see if they have already filed a court order and if not they will stop it. She put me in hold, came back and said ... .they have not filed, so if you want to pay only the original balance..you will need to set payments on a credit or debit card today and if not, you will have to pay over {$1900.00} total. I asked if I could be sent some paperwork in writing to let me know more information about this debt. She said they don't have anything to send. I can only get a letter from them after payments are made to satisfy the debt. I had payday loans in the past, several years ago. I recall paying my loans off. If this is truly my debt, I should be able to request this information in writing, so I can confirm if this is something that I owe or not.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX  has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON, XX/XX/XXXX My card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
The Company Collection Services of Athens GA has an account on my credit report that doesn't belong to me. I have disputed it. It was removed and then it looks like it was reported again. This account does not belong to me and it needs to be blocked. I have provided police reports and more. I need this removed asap. Also, any information provided is not to be used to try to collect an erroneous debt from me. Do not send me anything in the mail or call my telephone number as this debt is not mine. Please remove asap. Thank you.

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 2019-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXXX-NOT MINE. 

ADDRESSES : FL, XXXX XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 5 revolving accounts that had fraudulent charges made on them and experience wont investigate them. 
XXXX XXXX XXXX XXXX {$1900.00} {$2000.00} 100 % Revolving Negative XX/XX/2011 XXXXXXXX XXXX DELAWARE XXXX {$8000.00} {$7600.00} 106 % Revolving Negative XX/XX/2011 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00} {$3500.00} 109 % Revolving Negative XX/XX/2011 XXXX XXXX XXXX   XXXX {$2100.00}

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have American express card and was having financial difficulty in XXXX due to the government shut down and my account was put on hardship then in XXXX the account billing cycle came out and I contacted them on XX/XX/XXXX about the account wanting a XXXX payment I had just lost my job and couldn't make that payment spoke to representative by the name of XXXX on chat and he told me to call in. I called and spoke to representative, they advise me account would go back on hardship for 2 billing cycles and not to worry about payment. I went back today XXXX to make payment on another card the account was past due and not taken care of. I contacted customer service they demanded payment I ttied to explain the I called and this was taken care they cant find record of call they say only chat telling me to call, which I did. they wont put the account on hardship and now its almost 30 days past due they are refusing to help in anyway im being punished because someone didn't do there job correctly. I was lied to and tried unfairly like I was just some deadbeat that couldn't pay my bills yes Im in hardship but that's why I contacted them a month ago to take care of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My loan goes back to SM in XXXX taken out I believe for XXXX College ( this college is closed now ). I have been making payments since this date. I went on the site and the college they are listing is not my college on the load??? XXXX XXXX College in XXXX. I spoke with an XXXX XXXX who is now researching this. I informed him I am not paying on this loan until I get clarification. He told me I don't qualify for stopping payments and/or forbearance??? I don't trust them now but if I don't pay I'm afraid my credit will be affected!! If the college closes I thought the loan could be dismissed but he also told me it depends on the circumstances. Please help me if you can. I know there have been several issues with Navient ( mine is a private loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have reached out to this company several times starting XX/XX/2019 until now to remove this account off my credit due to it not being my account. I have not got any sufficient results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I placed a credit freeze on my account with TransUnion. Yesterday I tried to go on their website to remove this credit freeze because I need to change my cell phone company and I cant do it because of this issue. In the process of me creating an account they couldnt verify my identity. I proceeded to call the customer service number and the individual I spoke to still for some reason couldnt verify my identity and gave me another phone number to call. I called the number that was given to me and asked to speak to a manager. I was transferred to someone by the name of XXXX XXXX who claimed to be a manager. She refused to assist me because I could not recall the PIN number I had used over a year ago when I first placed this credit freeze on my account with TransUnion. It is ludicrous that they are refusing to remove this credit freeze from my account because I can not recall a PIN number that was used once over a year ago. I can not conduct business because of this companies refusal to help me remove this credit freeze. Its unprofessional and its affecting my life in a negative 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 2019-06-07 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: DISCOVER BANK
State: TX

Complaint narrative:
I've never been late on my discover credit card i've talk several times and was informed Ive never been late but the problem has not been fixed this is hindering me from getting my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: CA

Complaint narrative:
I got approved a Citibank advantage credit card which is promotion XXXX miles after XXXX spend in XX/XX/XXXX. I also do receive email from them XXXX miles after spending XXXX after I approved their credit card. I called them requesting match the offer when I received their new card. Their supervisor told me he approved the offer and confirmed it. When I finish my XXXX qualification. I called them to ask about another XXXX miles. They said will pay me soon. In XX/XX/XXXX, I received the another XXXX miles instead of XXXX miles. I called them again they said will pay me another XXXX miles later in XX/XX/XXXX. But I still not receive another XXXX miles until now. I called them today again. Their supervisor named XXXX is very rude to me. Told me they can not pay me another XXXX miles because they changed the policy. What? This is very ridiculous. I called them many times, they promised me pay me soon. But they changed the story. I want to my XXXX miles. They should honor it that they promised it.

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 2019-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXX-XX-XXXX-NOT MINE. 

ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXI -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE CERTIFIED CREDIT REPOR -- NOT MINE XXXX  CARD -- NOT MINE XXXX XXXX   XXXX -- NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through Equifax and XXXX. Equifax and XXXX  each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX which shows no bankruptcys in their system. How is it that Equifax and XXXX verified through XXXX XXXX  and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA Equifax and XXXX would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX  and a letter from the XXXX district of Tx.

Company response to consumer: Closed with explanation