vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i am 7 years relationship customer with chase never pay late even once .but chase close all my account include a new ba airline credit card i even recieve at all and chase still charge me XXXX fee for the card i even touch.chase ask me pay for the fee first and promise refund me but it been 2.3 month already .i still dont see any refund.as a customer for 7 years never pay late with good credit history and good payment history.chase close all my account for some ridiculous risky reason like too many account and too much credit line as the superior told me over the phone. they dont even listen to me some of the account is from my family i am just additional user.this is not reasonable for me at all.they close 2 of my oldest credit card and leave some credit card close by bank on my report. this is really impact my credit report and my credit history.i hope chase can refund my fee and re open my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: GA

Complaint narrative:
MY IDENTITY WAS STOLEN AND SOMEONE HAS GOTTEN A STUDENT LOAN IN MY NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
MY WALLET WAS STOLEN AND I DONT KNOW WHO TOOK IT. SOMEONE OBTAINED A CABLE BILL WITH XXXX IN MY NAME I HAVE NEVER HAD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had previously gotten a response from US Bank on XX/XX/XXXX that it is actively trying to resolve my issue and recover my money from 2 fraudulent gift cards. It is not XX/XX/XXXX and I haven't received my gift cards. My original complaint is below and I am attaching US Bank 's response to my first CFPB complaint. 

On XX/XX/XXXX, I purchased 2 Mastercard gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, XXXX. I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, XXXX   on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX   in XXXX XXXX, XXXX  on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank Mastercards, which is more concerning.

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 monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
TRIED TO PURCHASE A DITECH FINANCIAL FORECLOSED HOME FOR CASH. WE OFFERED {$24000.00} AND THEIR AGENT, XXXX XXXX SAID THEY WOULD TAKE IT BECAUSE THE HOME WAS STRIPPED AND BEEN ON THE MARKET FOR 4 1/2 YEARS. HE SAID THEY WOULD TAKE ALMOST ANY OFFER. THIS WENT ON FOR TWO MONTHS, BUT WE NEVER GOT AN ANSWER. TWO DAYS BEFORE CLOSING, XXXX SAID DITECH WOULD HAVE TO HAVE {$35000.00} OR WE COULDN'T CLOSE. THIS WAS AFTER TWO MONTHS OF XXXX TELLING US DITECH WOULD TAKE THE OFFER.HE NEVER IN TWO MONTHS WAVERED ON THE {$24000.00}, BUT HE ALSO NEVER SUBMITTED OUR OFFER TO HIS BOSSES. 
HIS BOSS SAID THEY NEEDED {$45000.00}, BUT CALLED TWO DAYS LATER WITH THE {$35000.00} PRICE. THIS WAS ALL AFTER WE WERE SUPPOSE TO CLOSE A WEEK EARLIER AT {$24000.00}. TREATED US LIKE WE WERE THE ENEMY. VERY RUDE ON PHONE. THEY FINALLY ARRIVED AT {$35000.00}, WHICH DIDN'T LEAVE US ENOUGH TO FINISH THE HOME. 
MY WIFE AND I GOT PHYSICALLY SICK OVER THIS WHOLE ORDEAL. WE DON'T WANT ANYTHING EXCEPT OUR {$11000.00} DIFFERENCE. DITECH FINANCIAL IS  FRAUDULENT AND VERY DISHONEST. SEVERAL LAWSUITS HAVE BEEN WON AGAINST THEM. THE FEDERAL TRADE COMMISSION HAS FINED THEM MILLIONS OF DOLLARS FOR UNLAWFUL AND UNFAIR PRACTICES. THERE ARE 63 LAWSUITS PENDING AT THIS TIME. SOMEONE NEEDS TO HOLD THEM ACCOUNTABLE. TRYING TO DECIDE WHETHER TO FILE A LAWSUIT OR NOT. DON'T HAVE ANY MONEY TO HIRE AN ATTORNEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES
State: CA

Complaint narrative:
hello, I received a letter promising " student loan consolidation & payment reduction program '' in the mail which I stupidly fell for. The top left of the letter says " FINAL NOTICE, contact XXXX, Assigned dept. Preferred Doc Solutions, NOTICE DAY : XX/XX/2018 '' The letter also informed me to login to my XXXX  ID account, which did not work so I called the number on the letter ( XXXXXXXX ) I talked with a man who convinced me that I would need to change my XXXX password, which I game him my new password. I gave him all of my information because he told me he worked for the Department of Education and I foolishly believed him. He received my social security number, drivers license, address, parents address, and all of my XXXX information. After hearing his promising proposal of completely bringing my student loan debt down to XXXX dollars, I stupidly electronically signed a bunch of stuff that he sent in an email and then gave him my debit card information so that I could pay the " fees '' relation to the loans being completely forgiven. 

He then put me through to a different woman who confirmed all of my information and told me she was sending me a " welcome packet '' with information that I would have to return back to them " immediately ''. 

I shouldn't have fallen for this scam, but the .gov website and being told that this man was a department of education employee really had me convinced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One stopped reporting my balance to the credit agencies for over a month. They last reported it at the highest balance on my card and then proceeded to never report it again thereby crashing my credit score. I've never paid late and pay in full every month. It appears to be almost deliberately hurting a customer by reporting their highest balance and then failing to report ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just received another equifax credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just received another XXXX credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe 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 2018-05-23 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: NY

Complaint narrative:
I just received another XXXX  credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my XXXX account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe 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 2018-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX  and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: AL

Complaint narrative:
XXXX XXXX XXXX provided me with letters to send the creditors and I did! Half the letters said return to sender and other half was never discussed! I have contacted trans union to make them aware that I am a victim of their inquiry issues! I spoke with supervisor as well and was on the phone for an hour with still no luck in getting these 28 inquiries removed that I have no knowledge of due to the fact that I have no access to ways to apply for things! Transunion also to me to get creditors to send me a letter of deletion but provided me no way to contact the creditors by phone or mail! And supervisor basically told me there was nothing she could do although she does work at transunion!

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX   after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: TX

Complaint narrative:
Background check reports a warrant for my arrest. At the time it was accurate, but I have corrected the issue with CERTIFIED forms that the case is dismissed. This report is still keeping me from being hired form jobs. 

I would like it to be corrected. 

The companies involved is GIS, and the USPS HR department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. 

Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. 

I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. 
Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. 
Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. 
Damages continue to mount against me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. For over 5 years Navient 's customer service has steered me toward multiple forbearances instead of income-driven repayment plans. I was put in forbearance plan and paid over {$500.00} dollars every month, giving Navient over 30.000.00 for free over that 5 years spent, while interests piles up. I was left with over 80.000.00 in debt. Now I am forced to pay {$1000.00} each month. 

It's not right for Navient to mess up my life like so, I am tired of Navient fraudulent practices and would to be placed in the class action lawsuits against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: ME

Complaint narrative:
MRS BPO LLC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
Alert Details Alert Date XX/XX/2018 Source XXXX  XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect? 
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico.  This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
C/o Security Finance XXXX XXXX XXXX, SC XXXX Good morning, On XX/XX/2018, I paid my account completely off with security finance. I was told by many representatives that negative status would be removed from my account and it would show " Paid as agreed ''. I have called and complained numerous times and nothing has changed. As of today my account is showing closed, account status is still showing I'm 90days pass due on the account which is affecting my credit. Previously my credit score was over 700 until I ran into a financial hardship, my husband was in an accident and my income was the only resource in the household at the time. Once my husband returned to work, I started working on my accounts and paying the balance off. all of my account is showing paid and payment status is showing current because the balance was paid off.

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 2018-05-23 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I received a phone call from Compass Bank asking if I made purchase for {$560.00}. I said no, they replied that it was fraud and they would decline the charge. I noticed the charge was on my bill. I called and they said there was no report of this being fraud. I tried to set up an online account and there was already one set up with a password by someone else. I called again and they shut it down and filed the fraud complaint again. The charge was never removed so I called again. Once again they said the fraud was not registered. I went to the bank and spoke with XXXX XXXX XXXX. She also said no fraud was registered and submitted one again while I was there and sent me a confirmation email on XX/XX/XXXX. As of today, XX/XX/XXXX the charge is still on my account.

Company response to consumer: Closed with monetary relief