vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: SC

Complaint narrative:
In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TX

Complaint narrative:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In  XX/XX/XXXX I took out a loan on my home with  XXXX    XXXX   for {$310000.00} and made all the payments on time until  XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer ''  Caliber Home  Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In  XXXX   XXXX , I was   XXXX   and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.

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 2017-06-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In  XXXX   XXXX , I was  XXXX  and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.

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 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.

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 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.

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 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more money.

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 2017-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  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 non-monetary relief
Consumer complaint received 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made several attempts to obtain my credit report thru XXXX XXXX XXXX but I was unable to get 2 of my reports XXXX and Transunion. My conformation number for XXXX is XXXX report date was X/XX/2017 XXXX XXXX XXXX address. XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My bank does n't send information quick enough to  XXXX  app. That 's my money. No excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: PR

Complaint narrative:
Greetings. I periodically check my credit on XXXX XXXX and I have seen that there are hard inquiries that I didnt ask for. There are XXXX in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down XXXX points without my consent. <P/>This is what i found in my credit that i do n't recognize 1. XXXX XXXX Last Reported by Equifax XX/XX/XXXX 2. XXXX Last Reported by Equifax XX/XX/XXXX 3. XXXX Last Reported by Equifax XX/XX/XXXX 4. XXXX XXXX XXXX Last Reported by Equifax XX/XX/XXXX - Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - 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 2017-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA

Complaint narrative:
My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account  XXXX   XXXX   XXXX . They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  XXXX   XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in  XXXX  an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected

Company response to consumer: Closed with explanation