vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 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: IL

Complaint narrative:
I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : 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 2017-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: SC

Complaint narrative:
After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.

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 2017-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Visio Financial Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: GA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX MORTGAGE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX AUTO FINANCE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW XXXX/XXXX/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 2017-10-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD CAPITAL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX AUTO FINANCE XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX FCU XXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW XXXX/XXXX/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 2017-10-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I paid off my Chase credit card in full and closed it out I never received a bill afterwards for the day or two days that interest had occurred which came to {$7.00} my credit score went down 62 points because that {$7.00} was n't paid. Chase reported at that it was a late payment more than 30 days on my credit card I had no idea that that interest had occurred due to the fact that I closed out the account I never received a paper bill they said they sent me an email but it must have went into my spam. I called Chase and ask them to reverse it being so I was trying to get my credit score up and just cause my credit score to go down 62 points and they refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. 
Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. 

This was an unauthorized act from Navient - I never agreed to any income default or forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have not been able to access my digital wallet with coinbase since I moved my address and all my enquiry dating back to XXXX this year has remained unanswered. I can not get a response from them to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Capital Home Advocacy Center
State: GA

Complaint narrative:
I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.

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 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Did not receive my welcome bonus even though I finish the purchasing requirement.

Company response to consumer: Closed with explanation