vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 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: TX

Complaint narrative:
Their is an unauthorized inquiry from XXXX XXXX lending on my credit report that showed up XX/XX/2017. I have disputed this repeatedly with Equifax and they continue to tell me it will be removed, but it has not been. I did not do business with this company and never applied for anything with them and never gave my permission to have them pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
XXXX is the worst company I've ever dealt with. 

Since XX/XX/2014 I have had my student loans serviced through XXXX, and have been making qualifying payments toward PSLF. Each year I re-certify my employment and electronically upload this form to their site. At this point I should have around 40 ( out of 120 ) qualifying payments, and yet, my account says I've made only 7. 

I've tried emailing and calling XXXX. They do not return emails. Their phone service providers are not helpful. I can't get any answers. 

They have also consistently raised my IBR payment each year. I have requested switching to REPAYEE for a lower payment, and have received no response. 

How does a company this large with so many people 's financial lives at stake get away with simply ignoring their customers? They provide inaccurate, harmful information. They do all they can to keep you in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: GA

Complaint narrative:
Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel my account.

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 2018-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: PA

Complaint narrative:
This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX used students as loan officers, students with no actual college degree. They didn't indicate how difficult it would be to repay {$150000.00} on a teacher 's salary. I am now a XXXX turned XXXX XXXX. I applied for the XXXX XXXX XXXX program and I know it requires about 10 years of payments. I'm XXXX by the way. Last year Navient processed my income based payment scheduled as making no payment all year. I'm afraid this may have kicked me out of the XXXX XXXX XXXX, and will result in having to start the 10 years all over. They tack on tons of interest that I'll never be able to repay at my age. This is hanging over my head and weighs down any possibility of a future, or even retirement. 
I even filed bankruptcy over 10 years ago, and was unable to stop the loans from growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I make a payment on my Citi Double cash and It's doesn't give me credit for the payment. My balance is the same.

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 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in 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 non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Called the customer service for the Chase Sapphire Reserve card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that Chase reported a complaint.  The Credit specialist at Chase is not giving me much information or having this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, XXXX)  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC
State: SC

Complaint narrative:
While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx {$2500.00}. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened.

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 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. Numerous bank accounts have been opened using my name and personal Information as a result of fraud. Banks affected were as follows Chase Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
I am not responsible for any charges made to these mentioned accounts. 



According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
LoanCare is not mailing periodic statements for months, at least since XX/XX/XXXX but I believe longer. Nor have I received my year end tax forms ( this may still be excusable given the proximity to XX/XX/XXXX ). I have  verified online that they have the correct address for me. I have verified I am not enrolled in online statements. I contacted them via their contact us feature on their website XX/XX/XXXX and their only response is below. I have tried to call during business hours and are repeatedly disconnected by their phone system with a message that it is not during their business hours ( I am calling after XXXX EST ). I expect paper statements mailed to me and I expect a refund of the fees I am paying them for online/phone payments when I don't have a statement to mail in with a payment. I get that as a borrower I do not get to select my servicer but I expect they comply with federal requirements to provide a periodic statement via mail unless I select other delivery options. I expect to receive a XXXX in the mail postmarked XX/XX/XXXX and delivered before XX/XX/XXXX. I personally think they keep the fees from processing online/ pay by phone payments and are leaving their borrowers no other option to make payments increasing their profits. My understanding is they are a debt servicer and I doubt that the owner of my mortgage knows that they are not carrying out their fiduciary responsibilities as a servicer. Below is my attempt to contact them a month ago and the only response I received from them Customer Service <XXXX> XX/XX/XXXX to me Dear 'XXXX ', Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

XXXX Your Inquiry ====== XXXX XXXX XXXX XXXX Morning ( XXXX ) XXXX Payment/Statement Inquiry According to the TILA I am to receive regular and accurate statements via mail unless I have requested otherwise. I have not been receiving statements in the mail and expect this corrected immediately. My mailing address is correct on file and this will be reported if not 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