vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 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: AR

Complaint narrative:
I've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged {$1900.00} on my Chase credit card by XXXX for damage done to a rental car. XXXX has not provided me any paperwork proving the damage. 

You see, Chase is also the insurer of the damages as Chase as that is a benefit of the Chase card. 

I disputed the charge and asked for proof of loss that Chase. The same proof that Chase requires from me. 

Chase said it would not allow the charge to remain while the dispute was active. But instead of getting proof from XXXX of the charge, Chase just reinstated the charge back to me requiring proof of the charge from XXXX. 

You see it is in Chase 's best interest not to require the merchant, XXXX, to provide the proof of the charge/damages because if the merchant, XXXX, provides the proof then Chase will have to pay as part of its card benefit. 

So I do not have adequate proof of the charge from XXXX in order to make Chase pay its claim under the cards benefits and Chase is not requiring proof of the charge from XXXX as it is in Chase 's best interests that XXXX not produce proof of the charge. 


So either the charge is not valid and I win the disputed charge or the charge is valid and Chase pays the claim under its ' benefits. But Chase is not requiring XXXX to show the charge is valid and is keeping the charge against me so that I can't file a claim under the Chase card 's benefits provision. 


In other words, Chase did not treat my charge dispute properly. Instead of making XXXX prove the charge, Chase closed the dispute without making XXXX produce proof. 

The motivation for this is that if Chase did require XXXX to produce the proof, then Chase would have to pay under the insurance benefit. 

Attached is a letter dated XX/XX/2018 from Chase 's XXXX XXXX where XXXX is trying to make me produce the proof of the charge instead of XXXX. 

Also, Chase through XXXX XXXX kept repeatedly trying to tell me this information verbally over the phone but would not let me record the conversation while insisting that Chase would record the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have recieved approximately 10 calls from a company called Navient over the past month from several different numbers. The most recent, an XXXX number, but others were from Texas area codes XXXX and XXXX. Another came from an XXXX number. Each time, the individual states that they are from Navient in regards to student loans and will ask to speak to an XXXX XXXX. I then inform them that I have no idea who XXXX is or and that they must have the wrong number. I am then apologized to and informed that it must be a mistake and they will remove my number from whatever list of information they have. A few days will go by, sometimes longer, sometimes the very next day, and the process will repeat. 

I'm puzzled as to how they believe I'm connected with this lady as I don't even know who she is. I looked for a way to contact the company to report the issue to an individual other than those in the call center, but without having a loan through them myself, I can only get to the automated answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I lost my job in XXXX of XXXX and my husband and I were given an opportunity of paying {$610.00} per month stating there would be no actions against us knowing I was going to court to be reinstated. During XXXX of XXXX without our knowledge the house was in foreclosure. We actually found out our house was up for foreclosure from a neighbor who has a friend that was interested. We were on the foreclosure list and when I would call they claimed I was not, except it was all over the internet and investors were constantly writing offering to buy it and give us time to move out. One of the associates told me she needed to set up an appointment to inspect the house, another person from Wells Fargo called my husband and told him that when we left we would have to leave the stove, refrigerator, and microwave all this while we were still trying to save our home, meanwhile we continuously filled out paperwork for for forbearance 's and we were continuously turned down. In essence out of the ten payments of the requested payments of {$610.00} no payments were deducted. We were told it would take {$26000.00} in order to bring our loan current and we paid that on XX/XX/XXXX. We really tried to pay on the XXXX of XXXX but they told us they had to hold our cashiers checks until XX/XX/XXXX to verify the money. After paying {$6100.00} and then {$26000.00} they only deducted XXXX XXXX from the {$210000.00} we owed. Although we never received a forbearance they then raised our mortgage from $ XXXX+ to {$2000.00}. Wells Fargo also raised the interest on the mortgage. In XXXX we paid {$5100.00} in interest. In XXXX we paid {$4900.00}. Wells Fargo is now charging us {$930.00} per month for interest. we supposedly have a fixed rate but the person I spoke to today XX/XX/XXXX. I already told them they were just trying to take older persons homes and will send a copy of the statement where it shows they kept the money for themselves. 
In addition to all of this they sold my mortgage loan to another bank stationed in XXXX without our knowledge. We did not find out until their lawyers gave us this information. I have tried to speak to numerous persons including, XXXX XXXX who keeps promising to research but always says he forgot ; while talking to me as if I am just stupid and do not know what is going on. Note the last time we tried to get a modification they raised our mortgage by a couple of hundred dollars instead. They called this a modification.

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 2018-08-13 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018

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 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I made a payment to XXXX XXXX Mortgage that was drafted from my XXXX checking account on XX/XX/XXXX in the amount of {$4700.00}. Pacific Union is stating this was return for Non Sufficient Funds. However, the money was drafted from my account and I am attaching my checking account statement that proves that the money was indeed drafted and never returned. The funds have not been returned to my checking account and have not been applied to my mortgage. I have called about 20 times and get a different answer every time I call. I opened a complaint with the XXXX and Pacific Union replies with irrelevant information such as previous payments, current  balance, etc. I supplied them with the same checking account statement I am providing during this complaint and it clearly shows the funds were taken out of my account and not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: MA

Complaint narrative:
I told XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct. 

2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered. 

3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that. 

4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures. 

5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only. 

6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.

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 2018-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''. 

XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''. 

In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own. 

The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records. 

I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank charged my account {$15.00} for Withdrawal Charges on  XX/XX/2018. I asked them to refund the money to my Savings account but they refuse to do that. I never authorized any {$15.00} charge and asked them to stop withdrawals from that account but they said they can't do that. I'm being charged {$15.00} fees on transactions that are less than {$10.00} which doesn't make sense at all. I have two Pending transactions on XX/XX/2018 also on the same savings account they stated that I will be charged {$15.00} for each time. I told them I wanted to close my account and transfer the money to my checking account with them and they stated they are unable to close my account unless I go sit and wait at a branch location. The hours the bank are open aren't convenient at all and they are unwilling to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My loan is being serviced by XXXX XXXX My original loan was approved with an appraisal on my home that was done on XX/XX/2018. As of XX/XX/2018 I had paid down my loan principal balance below the required 80 % LTV to remove PMI. 

On XX/XX/2018 I requested BankUnited in writing to remove the PMI and they said I can not remove the PMI unless I pay them {$600.00} dollars for a NEW appraisal when my original appraisal was only 101 days old. 

My complaint is that BankUnited is in violation of the " The Homeowners Protection Act of 1998 '' by refusing to remove PMI with a valid appraisal on file with the Servicer. Requiring me to purchase a new appraisal for {$600.00} dollars is an attempt by the Servicer to prevent me from removing the PMI that I am entitled to cancel. 

I am asking that the CFPB investigate XXXX XXXX and my loan account to compel them to follow the law and remove my PMI as requested without having to pay them to do another appraisal as my current one is still valid. My loan # ends in XXXX at my property located at XXXX XXXX XXXX  XXXX, XXXX, WA XXXX. 

Thank you, XXXX XXXX Phone # : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is my second complaint against Bank Of America. 
I had enough money in my account to pay my mortgage which was scheduled for the automatic draft, and so when my mortgage company got paid on XX/XX/2018, they then went back and took it back from my mortgage company on XX/XX/2018, electrically telling me it was for lack of funds. I had more than enough money in my account to pay my bills. And it was their job to pay my mortgage. Now I have a hardship, and if I don't pay it by XX/XX/2018, than I will be considered late, and that will go on my record, and if it is not paid by the end of the month, it will be reported to the credit bureau. They never told me they did not pay it, but they informed my mortgage company that they were taking back the funds I had paid them.

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 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposit a check through the mobile app on my phone for XXXX dollars and I was told that my money will be available until Thursday XXXX of XXXX and they gave me a hard time over the phone and said they need to verified the funds are legit and Im so sick of waiting and I need my money right away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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