vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 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: CA

Complaint narrative:
I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: CA

Complaint narrative:
I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, Experian in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, Experian stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

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 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: HI

Complaint narrative:
I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.

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 2017-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX2016 I purchase a home in XXXX Florida. before the the purchase We were pre approve for {$320000.00} and we bought the home for {$270000.00}. Bank of America did not approve the loan till two hours before the closing to my surprise when the closing agent was going over the closing cost, Bank of America charge Me {$3000.00} to be added to my loan and a monthly fee to be included with my monthly payment of {$110.00} for ten years ; none of this was inform to me till the closing. I put down {$100.00}, 000 which is over 35 % and I was not expecting any thing like this.I have a previews short sale 4 years ago and they new about it ' and pre approve me for the loan. I call Bank of America to tell me how much more I need to put down to get this fee out of my payment and they have no give me and answer yet, I am willing to paid up to 50 % of the loan to get this fee off my payment ; please help ' Thanks

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 2017-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have contacted Comenity Bank in regards to 2 Inquiries made on XX/XX/XXXX & XX/XX/XXXX & was advise they do not show in their system. However I contacted the Credit Bureau XXXX who shows inquiries on my report & XXXX advise Commenity must send them a letter to have the inquiries removed. I have several accts with Commenity and those are fine, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX .... there are 2 Inquiries that was not authorized on the dates I provided please research and have remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Reason : 1. Get U.S. Bank written approval letter for purchase gift card on XXXX XXXX. The account was closed on XXXX because I purchase gift card. Request : The U.S. Bank ( the Bank ) has closed my credit card account because " excessive or patterned purchases of cash equivalent '' in Cardmember Agreement, but the define of " excessive or patterned '' are not clearly stated. A large number of account closed cases indication that the Bank is not ready to issue high return rate credit card, but they ca n't change terms in first year because law prohibit, so it looks the Bank try to using fuzzy Cardmember Agreement terms to evade its own legal responsibility and fraudulent to user deserved Rewards, these term allow the Bank can arbitrarily close the account and refuse to pay any of legal customer rewards. For example, they can say {$1.00} is " excessive '' amount, so close the account. Moreover, for a frequency business travel in between of two city, the ticket full price always same, so they can say it is " patterned '' Futher, the maximum amount of gift card is {$500.00}, so if user necessary totally {$1000.00} gift card, the user have to split purchase into two of {$500.00}, they also can say it " patterned ''.
If you wanted, we can find more similar scenario. In my case, my business trip need booking over {$3000.00} tickets per month, so I think {$2000.00} is not a large amount for my personal business travel ( please remember, the Bank give my {$21000.00} credit limit ). For avoid risk, I contact the Bank customer services to explain why and how to use these gift card in before more purchase, the Bank written approved these gift card purchase, but the Bank suddenly closed my account after I purchase gift card. I am heared many similar stories in near days ( for example, my friend 's account was closed because he purchase a XXXX {$2000.00} laptop with his U.S. Bank credit card ). I was request them answer above details by help OCC help in XXXX, but the Bank are arrogant not to answer, the Bank simple response as " decision was unchange '', I have reason to believe that the Bank did not read the above questions before response to OCC. I would like request CFPB to review these Cardmember Agreement to save more victims, and I also want the Bank to release explain the specific definition of " excessive or patterned '' ( and all of fuzzy terms ) to the publlic field, and also mail it to every customer to avoid the Bank abuse on Cardmember Agreement.

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 2017-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a 30 yr fixed rate loan with this bank.Every month they hold out auto pymt from my bank account that includes interest and principal. I started sending a extra amount to them which should go right to the principal no interest. I talked to them about it once and they went back to the correct way but it messed up the way they figured the interest into the loan.Time went by everything all right then they did it again the loan is fixed any extra money sent to them over the pymt amount should go to principal.It is not a huge amount but it will change the whole figures on the loan since it is already fixed for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX collection letter recieved from this 2nd collection agency ( Rash Curtis and Associates ) Prior to this letter, the acct already been paid to another collecting agency on XXXX/XXXX/XXXX thru XXXX XXXX . As soon as i rec 'd letter from RashCurtis, I already told them that the acct already been paid and I sent them a proof of payment on XXXX XXXX. Even though they rec 'd the fax for a proof of payment they still keep calling me and asking for a payment. They told me that the proof of payment was not enough and they could Not validate the date of service on the payment letter thus, I need to provide another proof that the acct they are collecting is the same acct I paid for. So I called XXXX for another proof, although XXXX said that collections do not actually put that info in the letter, but they agreed to include the date of service in the letter, the amount, the client name, and the original acct number that Rash Curtis ' is requesting. All the info from EOS is the same info they are collecting from me. So I sent Rash Curtis another fax on XXXX with all the information they need. I called them few days after I sent the fax to make sure they rec 'd and I was told that it will take about 1 week before they get the fax confirmation from other dept. so I was told to call back in about a week. It is already XXXX and the lady handling my acct named XXXX rudely told me that they will not removed the collection in my report bc she still did not received the fax info yet from their department. I asked her what is their timeline to rec 'd the fax info from the dept that I faxed the letter down to her ( XXXX ) And she could not give me a date, i ask if that is 6 months or what bc i am buying a house!

My problem is : # 1 rash curtis & assoc filed this in credit reporting bureau although I already sent them a proof of payment. Now this is in my credit report and i am trying to remove it there as soon as possible. # 2 they were calling me for a collection that 's already beed paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation