vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 2017-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First of all, I was notified that the Califor nia Tax Board had an  order to collect {$140.00} for registration fees. I was planning to catch up on those fees at the end of the month.       I started  XXXX  with a balance of {$49.00} the bank withdrew {$49.00} and left me with   XXXX   on  XXXX   XXXX .   I then had a service charge of {$25.00} for negative balance, ( which they caused )  XXXX   XXXX  they charged me with an overdraft fee of {$35.00} I then had an auto payment of {$19.00} I then had an auto payment of {$2.00} I was left with a negative balance of {$57.00} I believe that there was no court order for the amount of {$49.00} therefore Bank of America 's actions were in error.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 2017-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/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 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through Experian was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning 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 explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mortgage Research Center, LLC
State: SC

Complaint narrative:
I 've contacted my mortgage company several times to report my mortgage and they have refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: IL

Complaint narrative:
I have been a victim of identity theft going on 2 years now. I have a 7 year fraud alert on my account. Equifax has ran my information without first notifying me by mail, phone, or email.     This is not the first time I have reported Equifax for running my information for bot contacting me. Last time the rep had the audacity to tell me Well we do n't necessarily have to contact me even though I have a 7 year fraud alert. At this time I feel its better to just put the complaint in then call them.  <P/> Yet again I had to go to the police station today to file a Id theft report and go through this draining process of clearing my information up and removing all fraudulent information.  <P/> This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a credit monitoring notice stating that I have two collections for " XXXX XXXX/Citibank '' student loans from XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX. They stated that they have no record of having my account ( but they service student loans for Citibank ). They did state however that my social security number was listed " on a spreadsheet with no identifiable personal or account information. '' That was disturbing. Why would they have my social security number on a spreadsheet and I do not have an account in their office. <P/>XXXX XXXX directed me to call XXXX XXXX XXXX, because they also service Citibank student loans. I called them at ( XXXX ) XXXX on XX/XX/XXXX. A young man informed me that Citibank sent my account to their office in XX/XX/XXXX, but took the account back one week later. I asked him what that means and he said that there were no notes on the account. He stated that they do not have my account, Citibank has my account. He told me to call them at ( XXXX ) XXXX. <P/>I called Citibank on XX/XX/XXXX regarding the account. I was told that my account went into collections in XX/XX/XXXX. First, my account has been in deferment since XX/XX/XXXX. Second, I never received any notice of requested payment. Third, I never received an FDCPA compliant letter stating my account was going into collections. Citibank had no response to my statements or my request to see my entire account history. <P/>I have been on the phone for hours today trying to get to the bottom of why I have these deferred, never late accounts appearing as collections on my credit report. I have never made a late payment. I have never missed a payment. I do not understand. This is costing me the ability to purchase a home. Thee are the only negative items on my credit report. My score has dropped XXXX points because of this terrible mistake. Please help me.

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 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On  XXXX   XXXX ,    2017, an  online transfer in the amount of {$2900.00} was made from my CHASE checking business account to an account under the email of  XXXX  XXXX  XXXX  and name  XXXX   XXXX , DO NOT RECOGNIZE neither. I learned about this issue on  XXXX   XXXX ,    2017,   when I proceeded to pay my rent and found out about this particular online transfer I never authorized nor knew about.  <P/> I immediately called  CHASE CLAIMS  DEPARTMENT, claim #  XXXX . In addition, I filed a Police Report at the City Of  XXXX  Police Department, Incident #  XXXX . The Bank credited my account for {$2900.00}. On  XXXX   XXXX ,    2017 the y reversed the credit for the {$2900.00} from my account, stating they were not able to corroborate any fraudulent activity. Since then, I have repeatedly been trying to reopen the claim, only resulting in a negative response on behalf of the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through XXXX was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning 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 explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I am making payments of twice the amount due for minimum payment due. I have  two separate balances on the same card, one is standard purchases at 13.99 %, the  other balance is a promotional 0 %. The promotional rate expires  XXXX . The credit card company is taking my payment and applying the minimum due to the 0 % balance and then applying the remainder to the 0 % balance also. My 13.99 % balance is increasing every month with interest charges as ALL monies go towards the 0 % promotional balance. As I understand the regulations, they are supposed to apply the overage to the HIGHER rate balance. I have spoken to this bank, they say that what they are doing is by their policies, I informed them this was my next step, to file a complaint, they were not concerned. I can not pay off the 13.99 % balance or reduce it until AFTER the 0 % is paid in full. These balances are in the thousands, that is not an easy task.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.

Company response to consumer: Closed with explanation