vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Chase Bank My wallet might 've gotten stolen or I misplaced it but when I come to figure out I do n't have my wallet no more I looked for it everywhere called people Backtracked but no luck that 's when I decided I should cancel my cards I called chase customer service department around XXXX XXXX in the morning on the XX/XX/XXXX the XXXX then informs me my last transaction was a withdrawal from a chase ATM that when I told the XXXX no my last transaction was at XXXX XXXX {$3.00} and some change on the XX/XX/XXXX it 's the XXXX now they already denied me once never gave me temporary credit then you have chase employees calling me telling me your not getting your money because you have n't banked with us for that long and she is n't even in the claims department then you have the claims department it 's self that right there may I say is a joke they have been messing around on there end and it 's about to cost me my savings everytime I call it 's another excuse or another business day or another department I 'm waiting on a call from there executive office which I believe is the last place they can transfer me but see what you can do cause that was all the money I had and I 'll be XXXX if chase has the last laugh

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I 've paid a debt that has been reporting on my credit and was told after I pay it, It will be remove from all three of the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.

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 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been with Wells Fargo for decades.
The business accounts and personal accounts of myself and my 2 other business partners have all been closed by Wells Fargo. Worse, all of the accounts of our minor children and adult children have also been closed.
In all something like 20 to 25 accounts have been affected.
They refuse ( so far ) to explain why.
I am certain a mistake has been made somewhere. I run a good business and have done so for 27 years. I am 100 % certain that if we are told what the problem is, we can resolve it to anyone 's satisfaction.
However we are not being given a chance to explain. We have been told that we have 35 days ( from the date of the notice, now about 8 or 9 days old ) to find a new bank.
Somewhere, someone has made a terrible mistake.

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 2017-08-29 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: AZ

Complaint narrative:
I pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.

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 2017-08-29 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: FL

Complaint narrative:
I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 2017-08-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Solutions
State: PR

Complaint narrative:
I paid credit solution {$100.00} to fix my credit and the company never did anything. they never send me no documents I spoke to the cwustomer service of credit solution and the lady told me that she sent me papers and the paper never arrived to my address I send her through XXXX XXXX a message of a picture that I received from XXXX that she was going to remove that specific account " XXXX XXXX XXXX XXXX " a year passed and i never recived no documentations and no proof of that account that was deleted. She says that they already deleted A XXXX XXXX XXXX XXXX from XXXX credit report and I never had that account on XXXX I only had it on XXXX  she stole my money and they do n't want to give me back the money or they do n't want to do the service neither

Company response to consumer: Untimely response
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.

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 2017-08-29 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: CA

Complaint narrative:
XXXX XXXX XXXX has listed debt as deliquent and charged off. The same debt appears on my credit report under another company, XXXX XXXX. These duplicative entries on my credit report are illegal and should be removed. The debt has also been re-aged as another date than XXXX XXXX XXXX. See attached screenshots my credit report from Experian.

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 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

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 2017-08-29 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: FL

Complaint narrative:
I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

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 2017-08-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX mortgage discharged XX/XX/XXXX, XXXX sold mortgage XX/XX/XXXX to XXXX. XXXX files bankruptcy XX/XX/XXXX. XXXX reports loan discharge XX/XX/XXXX.Loan paid off XX/XX/XXXX. XXXX reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
Experian refuses to correct in spite of overwhelming documentation to the contrary. 
XXXX writes they have no record of loan. 
XXXXC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is XXXX 'S.

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 2017-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable. 

Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat. 

Are they going broke? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Initiated a personal loan XXXX simple interest ). Was making extra payments toward principal. No payments were applied to principal. Was told it was not a simple interest loan, though I believed it was at signing of papers.

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 2017-08-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
We charged the account for XXXX to pay for our extended stay hotel. we called the customer service line about it because it took an extra {$60.00}. They customer service reps were very rude and didnt want to help at all. They wouldnt provide the company that they were from. Ive tried to contact all points of reference. This has caused damage and made me lat on other bills.

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 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.A QWR and NOE was sent to your office on XXXX/XXXX/XXXX on behalf on XXXX XXXX. The lender has failed to respond or acknowledge the legal QWR and NOE. When called the lender confirmed documents had been received

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 2017-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I am not sure if my Loan through Navient is a federal or private loan but while reviewing the National Student Loan Data System I can see only two of the 5 loans I received which is an FFEL Stafford subsidized and non subsidized. The problem I am having is with Navient and XXXX XXXX XXXX is who they use to service the loan. I applied for forbearance the first week of XX/XX/XXXX and submitted all information required in a timely manner. I did not hear back from XXXX for a month and a half. During that time I made two {$20.00} dollar payments instead of the usual {$98.00}. I spoke with XXXX XXXX and advised I would make payments as I could but they still asked for {$140.00} for the next three months until the account is current again then and only then can I re-apply for forbearance. Keep in mind that I have made my monthly payments for the past six years without an issue. My financial situation has changed and Navient is not willing to work with me on this issue. I was advised to contact you by attorney XXXX XXXX of XXXX XXXX on behalf of the Project For predatory Student Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. 
When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. 
In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. 
I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. 
The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.

Company response to consumer: Closed with explanation