vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX  reports open collection days after unauthorized hard inquiry of XXXX  XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX  XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a Chase bank account online on XX/XX/XXXX. The account was created successfully and I received the account number a several emails welcoming me to Chase bank.

On XX/XX/XXXX I was unable to login to Chase.com to access products I currently have with Chase, credit cards and mortgage. The message I received was " We weren't able to sign you in ; please call us so we can help. Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ... '' After calling customer service I

was routed to Operating Loss Prevention, which informed me that Chase decided to end their banking relationship with me and that no reason would be provided. My account access would be unlocked in 10 days, once they've had a chance to fully close my Chase banking account and any deposits I had made before the account was closed would be returned to me via check in 10 business days, any future deposits would be rejected. After calling several times and asking management for an answer, I was read the same script and provided answers such as Chase can choose to end a banking relationship for no reason, similar to how a consumer can chose to end a relationship for no reason. 
I have already purchase checks for this account around {$30.00}. I also rerouted my direct deposits to this account from my old XXXX XXXX XXXX account, which had to be undone on XX/XX/XXXX. My direct deposits did not reach my XXXX  XXXX XXXX account and were likely declined by Chase. I now have to see what options my payroll department has for resolving this issue. I have lost significant time and effort and funds trying to determine why Chase decided to close an account of a current customer without notice or explanation. This is an unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 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: WV

Complaint narrative:
I disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Freedom Mortgage customer service to inquire about the PMI for my converntional mortgage. I explained that I'm closing in on 80 % LTV and that I'm confident that if I had my house appraised it would appraise higher than the initial value and push the LTV below the 80 % mark. They looked into the account and then instructed me to send an email to customer service to start the process. After submitting the email I received a letter in the mail stating the steps to complete the appraisal of my house and the conditions that had to be met. In this letter it clearly states that the appraisal must demonstrate a Loan-To-Current-Value ration of 80 % for loans aged greater than 5 years. 

The appraisal resulted in the following : Sales Comparison Approach : XXXX Cost Approach : XXXX The conservative value of XXXX was used as the official value of the appraisal which placed the LTV at 77.01 %. 

I received a letter on XX/XX/XXXX stating that after a review of the account, the request to remove PMI was unable to be approved. The reason being that a LTV of 75 % was required. I have made four calls to customer service to gain clarity on what the requirements are and also to understand what the age of my loan is. Neither question could be answered satisfactorily. From my point of view the request was denied with a stated reason that contradicts the attached letter stating the requirements. When I asked to speak with someone that has knowledge of how the PMI requirements work I was told that they do not take calls and there is no way to contact them. 

In addition I have completed 70 payments on my mortgage promptly and in excess. The best answer I have received to date is that my mortgage is not greater than 5 years ( first payment XX/XX/XXXX ). Proof has been shown that value of the house has increased and I have excellent credit. I have tried to explain to Freedom Mortgage that my mortgage being 70 months old is actually greater than their requirement of 60 months but they disagree. 

As a consumer I should not be billed for unnecessary private mortgage insurance. 

Thank you, 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 2018-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XXXX XXXX XXXX XXXX, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX reports open collection days after unauthorized hard inquiry of capital one account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt Capital One charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with Experian and XXXX  and they keep denying my dispute stating it is accurate when it is not at all accurate.

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 2018-07-27 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: TX

Complaint narrative:
Rented an apartment for one year at " XXXX XXXX '' in XXXX, Texas. Vacated the apartment on XX/XX/2017. The apartment was in clean and rentable condition upon moving out. Five months later, I receive a collection notice from XXXX XXXX, a collection agency acting on behalf of " XXXX XXXX ''. In that collection notice, they state {$660.00} owed them for ; two full apartment cleanings, one for {$75.00} another for {$81.00}, water/sewer/trash totaling {$120.00}, these charges were already included in the last month 's rent, {$50.00} for refrigerator clean ( was cleaned prior to moving out ), pest reimbursement for {$5.00}, Utility admin fee of {$3.00}, couch removable for {$200.00} and on and on. 
I worked with the collection agency, they even stated this was a bit unusual, especially five months after the fact. 
In working with the collection agency, I came o find that I was charged a {$200.00} pet deposit and {$10.00} per month pet fee, I never had a pet in the apartment. Additionally, they never refunded my {$250.00} deposit, this totals {$570.00}. No one mentions these cost in the collection notice. 
I am in process of moving and find that XXXX, the tenant screening company has this issue listed on my credit report and I have been denied housing. I tried to work with XXXX and sent them papers that I sent to the collection agency to resolve this issue. I received a do-not-reply email from XXXX stating they can not ever change the credit reporting status. I find it bordering on slander and liable that a credit reporting agency such as XXXX, who does work for the apartment complex 's is unwilling to resolve this issue. Trying to call and converse with them is almost impossible and they never return a call, only the do-not-reply email correspondence. 
The XXXX  lists many complaints against XXXX, many people with the same issues as myself, nothing seems to get resolved. 
I need your assistance in resolving this matter.

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 2018-07-27 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: GA

Complaint narrative:
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with XXXX   and Equifax and they keep denying my dispute stating it is accurate when it is not at all accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions
State: OH

Complaint narrative:
When I asked them to cut what I owe in 1/2 the gentleman called me a XXXX XXXX XXXX so asked them to never contact me again and now they are calling my place of employment and harassing me at work.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$1700.00} from my employer and my Chase bank is too slow to release the fund. I was told that it will take next month to be cleared. THis is too slow for an employee who lives paycheck to paycheck. With the new laws that enacted that allows electronic copy of checks for easier and faster transaction, how come it will take that long still ( more than a week or so )? I called the loss and prevention department and talked to XXXX ( customer representative ) and even though the funds were already taken out from my employer 's bank account it is still not being released by Chase Bank. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing will not give us an accurate principal balance on our loan. The took over our loan in XX/XX/XXXX and the payment history report we received shows the loan balance is going up and not down. We have asked several times for assistance and we continue to get documents that are not helpful. Our loan is currently underwater and it could be due to this issue. The original loan was {$72000.00} in XX/XX/XXXX and now the Servicer states that we owe {$76000.00}. SLS is not reporting our loan to the credit reporting agency either. We have never modified or refinanced this loan. The property value is currently only {$40000.00}.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
XXXX has placed an account in collection associated with my name. On XX/XX/XXXX I attempted to gather information regarding this charge from both the collection agency ( AFNI INC. ) and XXXX. The information that was provided to me was that the charges we're regarding a account for XXXX XXXX that ended around XX/XX/XXXX per XXXX, while AFNI stated services ended in XX/XX/XXXX. I have informed XXXX and AFNI that I have never had a home security account with them and that the address for the service location was vacant starting XX/XX/XXXX pending sale of the home. I requested that the XXXX agent I first spoke with, provide me with a contract for the services and/or copy of the bill. I was not provide either information but rather a phone number to the collection agency that had already informed me to contact XXXX regarding the issue. I ask to speak to a supervisor and while on hold the call was terminated from there end. I have also request information from AFNI on the same date. I was only provide amount owed, date service ended, date it went to collection, and that it was my debt based on the fact it was associated with my name and social. Based on my records any services I had with XXXX were terminated on XX/XX/XXXX with a payment of {$150.00}, along with a final payment of {$60.00} on XX/XX/XXXX for remaining account balance. Neither company has provided me with enough information that verifies that I owe or own the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX XXXX Regarding the account closure XXXX described below, I received a call from XXXX XXXX w citi at XXXX. He put us in touch w XXXX XXXX, Executive offices, XXXX. 

Ms XXXX advised there was no way to reopen the card. She promised to open a new credit card acct for us which would have the same credit history and same credit line. She also offered a balance transfer option at 0 % interest for 18 months. There was no mention of date expiration of this offer. Subsequent calls to Ms XXXX went unreturned. I was attempting to set up an appt for a phone call. Weeks passed and then I received a letter stating it was no longer review it for reopen. This is a contradiction to being told there was no way to reopen the card. In response to the XXXX  XXXX XXXX XXXX case XXXX I received a letter from XXXX XXXX dated XX/XX/2018. 

I need the offer extended to me for the new card and do not wish to deal with the application center. Need a call returned to me from someone that can honor these terms. 

Phone : XXXX XX/XX/18 Citicorp XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX Re complaint # XXXX and the attached account closure letter. 

we request the bank reopen this acct. we called as instructed in the letter but were denied. We filed the complaint. 

The bank failed to notify us of an intent to close the acct before doing so. Simply not using the acct is not grounds for closing the acct without advance notice. 

You are damaging my credit score and forcing me to do a hard pull to re apply, further damaging my credit score. 

I will contact the FDIC and the XXXX  if you do not reopen the acct. 

Send a new card or the mastercard which is replacing the visa. send this matter to the president 's office and customer complaints dept XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ny 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 2018-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out  information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving.

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 2018-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently denied a personal loan which prompted me to obtain my free annual credit report for all 3 credit bureaus. Upon reviewing my credit reports for XXXX and Experian I discovered that there is information currently reporting that is inaccurate. XXXX and Experian both list me as an authorized user for a credit card with XXXX XXXX XXXX that I have never been in possession of ; applied for ; nor given anyone permission or the authority to utilize my name or social security number. I disputed this with XXXX  XXXX XXXX back on XX/XX/2018 by placing a call to their customer service number XXXX. During that time I spoke with a representative regarding the matter and I provided my personal information to the representative when he was requested it, but the representative was unable to retrieve any account information and advised that there was no account listed in my name and no account for a credit card. 
Since this time, this particular account was removed from my XXXX   credit report. Given that I have no accounts with this company and again I never authorized my personal information to be utilized I am requesting that the information XXXX  XXXX XXXX is reporting to XXXX  and Experian is removed immediately as this inaccuracy is altering my life in a negative way.

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 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.

Company response to consumer: Closed with non-monetary relief