vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I AM STILL BEING FOUGHT WITH WHEN I CANNO HEAR ON HEADSETS AND VOIP SYSTEM AND THEY REFUSE TO GET ME SOMEONE THAT I CAN HEAR AND WILL NOT GET OFF THE HEADSETS. I AM TOLD I CAN HEAR JUST FINE AND THAT THEY REFUSE TO DO IT ANY OTHER WAY. 

XXXX AT XXXX ON XX/XX/XXXX XXXX AFTER HER AND HE WAS THE WORST OF ALL OF THEM. 

XXXX T XXXX AT XX/XX/XXXX PLEASE PULL ALL THESE CALLS AS IT IS NOTED ON MY ACCOUNT. 

VERY RUDE FOLKS AND VERY CRUDE AND NASTY. 

now XXXX and XXXX too discriminated once again at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
There is a collection account on my credit report by the name of DIVERSIFIED CONSULTANTS showing a past due charge for {$1100.00}. After researching it a bit, I found that this name is associated by many other people to fraudulent charges for phone lines they never had or had already paid off and/or closed. It's stated as opened on XX/XX/2015 and is apparently related to a XXXX account, a phone service neither me or any of my immediate family has used recently or at any point to my knowledge. It came to my attention recently because, believing I had no credit at all, I applied for a savings account with XXXX XXXX XXXX and was made aware of the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Mr. XXXX XXXX of the Charles Schwab Advocacy Group by letter dated XX/XX/2018 told me that one ( 1 ) person at Charles Schwab closed my accounts! One person! There were no controls to prevent this! 
The person angry with me because of my request that she refused to honor to add my middle name of XXXX my name on my checks in spite and with vengeance closed all my accounts! Mr. XXXX later reopened my accounts but again this person closed them! One person was able to lose my accounts and place my financial situation in absolute turmoil! No supersivion! No controls! No nothing! All done by one lone person!

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 2018-09-25 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: AZ

Complaint narrative:
I received my credit reports XX/XX/2018. Since that time, I requested a debt be validated on my credit report via the collection agency, XXXX XXXX XXXX based in XXXX, Az. Not only did they not validate the account, they created a FALSE document reflecting a debt to XXXX XXXX XXXX of {$25.00} + 4 years of interest, they supporting documentation WAS ANOTHER PERSON 'S INFORMATION ALL TOGETHER - including their NAME, DOB, HOME ADDRESS and SSN!! 

I sent that in to XXXX as proof that the account could not be validated and should thereby be removed. XXXX broke the law and did not remove the account. 

I had since received a letter from XXXX XXXX Apartments stating the account is to be removed from my credit report. I uploaded the letter twice - once on XX/XX/XXXX & again on XX/XX/2018 to XXXX Credit Bureau - The only ones reporting this erroneously - for them to delete the entry. They pretend that although the letter was amongst other uploads they received, they seem to never have received this ONE letter. 

XXXX Credit Bureau is reporting false and inaccurate information on my report and is not following the established rules and statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
My student loan, currently serviced by XXXX XXXX, has been in an Income Driven Repairment plan up until XX/XX/2018. On XX/XX/2018, I received a letter indicating that I had to submit a recertification to stay in the Income Driven Repayment program. This letter stated that the deadline for submission of all materials was XX/XX/2018. I completed a paper application which was received by XXXX XXXX on XX/XX/2018, however, was notified that it was missing a specific piece of information ( the frequency of being paid ). I called on XX/XX/2018 and verbally advised that I was paid biweekly. I was told this would be added to my application and my application would be processed. On XX/XX/2018 I called to check on the status of application. At this time I was told that my prior phone call had been " noted '' on my account, however, the application was not forwarded for processing. I was then advised that the application would be now be entered into pending status as of XX/XX/2018 ( still well before the XX/XX/2018 deadline explained in the XXXX letter ). On XX/XX/2018 I called again and was assured that my application was complete and was being expedited for processing. Without explanation or indication my application had been reviewed, I called again on XX/XX/2018 and was told that it was too late, the bill from XXXX had been generated at the full 10 year repayment plan rate ( a monthly payment of greater than {$4000.00} compared to my income driven repayment amount of less than {$400.00} ). I was given no explanation as to why my application had been delayed despite being told previously that it was complete and on time.

I submitted all my materials on time and was told multiple times that my application was complete and ready for processing. However, due to internal miscommunications and incorrect information given to me by XXXX XXXX, my Income Driven Repayment Plan application is delayed forcing me to either pay 10x my monthly payment ( which I can not afford ) or defer the XXXX  monthly payment and thereby delaying my Public Service Loan Forgiveness repayments. I feel like I did everything right and due to their own mistakes I'm left owing thousands of extra dollars on my student loans. If any consumers are reading this - if there are any issues with any application of any type call two times per week and take notes on every phone call until your application is actually processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I bought a car at Honda and financed a loan with Honda Financial Services. Honda Financial services failed to informed me the interest on the loan will be variable. Honda Financial services has not send me a paper statement, and after 2 years I come to find out that my car loan has a variable interest. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I tried to contact Equifax on XX/XX/XXXX. I went to the link on XXXX XXXX ... .at the website i began to file the complaint and after i had given them personal information and my social security information, it proceeded to a page asking for my credit card details. I then called the phone number provided to submit a claim and it was a circular automatic voice menu which never allowed me to submit a claim by phone. there was NO phone provided to actually contact a real person at Equifax. Once I did get through and gave them all my personal information to then file the complaint, she then proceeded that she needed to verify my account with all the details of credit report, not one, not two but, pretty much more personal information that was unnecessary to the complaint at hand. I found that the request for this information was highly unusual and suspect. I finally googled how to file a complaint and proceeded to read about all the complaints starting in 2012. Why is this company still being able to report on anyone 's credit standing? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc.
State: PA

Complaint narrative:
I had student loans and I did go into default and enter a rehabilitation with XXXX XXXX   XXXX. My loan came out of default and was in good standing. The XXXX XXXX XXXX then transferred my loan to XXXX but I was not informed of this transfer and my auto payments were stopped. So then my student loans went back into default. For each semester of school, it was tracked by the XXXX XXXX XXXX as a separate loan ( totaling 23 ) which showed 23 defaulted loans. These were transferred to National Credit Services back in default and are not on the credit bureau reporting. I am attempting to purchase a home and got way into the purchasing process only to find out that FHA found something pointing to defaulted student loan debt but the credit bureaues reporting did not show them. When I tried to work with National Credit Services, they are not able to offer any type of resolution to get out of default other pay in full or payments for 20 years and stay derrogatory for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: TCF NATIONAL BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report. 

Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off. 

XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XX/XX/2018 filed for a short sale XX/XX/2018 notification of incomplete materials submitted XX/XX/2018 materials submitted and approve XX/XX/2018 denied for expiration of materials Resubmitted in XXXX application complete XX/XX/2018 approved for sale XX/XX/XXXX nitrified of expiration of submitted materials Reapplied no communication from Ditech Mortgage or XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WI

Complaint narrative:
car company charged me online, and gave me quoted price of XXXX $ for a car. 
then i got there and they said they are not affiliated with the online place. but they put the XXXX $ toward a much larger charge, lying and proving they were affiliated with them. 
they took cash for the difference, and ran my cc for " authorization '' in case i wrecked the car. 
then they wrote down the cc number, and when i left the country, charged me almost XXXX $ fraudulently. 
I wasn't even in the country anymore and never signed to authorize any such charges. 
I reported this to the cc company and faxed them a receipt of the cash payment i made, showing they wrote down the card number. and that the charge was marked as authorization/delayed charge. 
The cc company said they couldnt read it. i faxed it again. again teh same guy said he couldnt read it. i told him to give me an email or digital method to send it and he refused. 
then he hung up on me. 
i then got a call and voicemail saying on friday night like XXXX that if i didnt mail it and he had it by sunday, that he would close my file and deny my fraud claim. 
i called and spoke to a supervisor who said i wouldnt have to deal with him anymore. and they would have a supervisor call me back. they never did. instead i mailed in the document and got three letters from the first guy first claiming he didnt get the faxes, then claiming he got them and it was illegible, then claiming something else. all three letters were contradictory to each other. so i called again and a supervisor " took my complaint '' and said i wouldnt have to deal with that guy anymore. and a supervisor would call me back.

i got a call from a supervisor who claimed i hadnt sent in enough documentation and that they were denying my fraud complaint. then i got a letter saying that the documentation i sent was outside the time frame to assist me, even though i sent it three times and it proved beyond a shadow of a doubt that a ) the car company lied about the charges, lied about affiliation with the online place, overcharged me while i was there, and then double charged me on my card later. 
either way, this is a fraudulent charge and they are trying to make me pay for 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 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX   fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was called in XX/XX/XXXX by XXXX  XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

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 2018-09-25 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: VA

Complaint narrative:
I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: VA

Complaint narrative:
I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXXXXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

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 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: WV

Complaint narrative:
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have tried deferment and forbidden since I qualify I get no response

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