vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted Santander and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: AES/PHEAA
State: HI

Complaint narrative:
This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, FedLoan Servicing Credit is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https :  XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
FedLoan Servicing Credit representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that FedLoan Servicing Credit will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, as TRUSTEE OF XXXX XXXX XXXX XXXX is attempting to foreclosure on my home using fraudulent assignments I filed an affidavit of fraud with real estate div. of XXXX XXXX where XXXX XXXX state the title issues. Carrington Mortgage Services as refused to work with me on modifying my loan. Carrington has not responded to my QWR or my debt validation. XXXX XXXX XXXX needs to cancel the foreclosure until this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Sent an email to Ocwen and XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting that our mortgage file be removed from the OOMLT 2006-1 remittance report for next cycle XX/XX/XXXX and the collateral file for the next cycle of XX/XX/XXXX since a valid transfer of assignment has not been provided to me that meets the new servicing standards and Ocwen National Servicing Settlement agreement. Ocwen and XXXX XXXX XXXX, XXXX has included our mortgage loan in the XX/XX/XXXX remittance report and theXX/XX/XXXX collateral file even though a valid transfer of assignment does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: NJ

Complaint narrative:
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from XXXX XXXX XXXX to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated on XX/XX/XXXX attempting a final goodwill gesture to allow XXXX XXXX XXXX to contact their erroneous reporting, and they did not do so. I also sent a certified mail to Experian datedXX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.

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 2017-08-28 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened an account with Chase in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: NY

Complaint narrative:
XXXX consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted XXXX and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.

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 2017-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been requesting for last XXXX weeks from Chase XXXX things and being told they cant provide. 

XXXX changing from draw period to repayment period inXX/XX/XXXX. I have been requesting from Chase ( for the last XXXX weeks } for a amortization schedule for payments fromXX/XX/XXXXuntil XXXX which will show how much is going to be applied toward principal and interest. Refuses to give. 

Requested how monthly payment is broken down into principal and interest. Language in Note states " repayment period will be the principal balance divided by the number of payments remaining plus the interest accrued for the billing cycle. '' I have requested what language is used with the amortization of a " normal '' loan and why payments are not the same. When I put loan information into financial calculator I get a different payment than Chase does. 

Chase is taking XXXX principal balance and dividing by XXXX months and then adding interest by taking principal amount XXXX and multiplying by interest rate which is currently XXXX and then dividing by XXXX days to get a daily interest amount and then multiply by how many days are in month. The monthly payment is approximately XXXX per Chase When I put into my XXXX or any amortization schedule online if I put in a principal balance of XXXX and an interest rate of XXXX and a XXXX year term. The payment comes out to XXXX per month. 

I just want to have in writing from Chase the language for both ( my variable note and a fixed rate loan and why they are using one calculation versus the other. 


I know my loan is a variable interest rate and has been so for last XXXX years during draw. period. The loan will continue to be variable for next XXXX years during repayment period but Chase should be able to tell me both of these things in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.

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 2017-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX I attempted to refinance my line of credit with XXXX. I was advised that Bank Of America had reported to the credit bureau that I was late on my account. I made several attempts to contact the bank only getting the run around. I had previously visited the bank before about my account as I made a payment that they stated they returned to me but I never received. On XX/XX/XXXX I visited the bank and was advised that I was behind in my payments, when inquired how, they advised they would send the breakdown of my payments. However, it was reported I was over 90d late. I then inquired where my bank statements were because I paid my normal payment that I had been paying. XXXX instructed me to pay {$680.00} in which I did and advised this would bring me current but still unable to explain why I was not receiving any notices or calls about my payment. I was advised Bank of America the Post Office changed the address of my billing but they did not know why and today still no response or explanation. Bank of America ( XXXX ) removed the late fees charged and advised they would assist with trying to get the late fees removed. I was then instructed by his supervisor to provide him with the information I had, once attempted, the information he provided was invalid. On XX/XX/XXXX XXXX said they should have contacted me about the change of address and gave case number of XXXX.No one has kept their word on contacting back in reference to this issue. Due to Bank Of America sending my monthly statement to another address and failing to contact me via phone, I was unaware my payments were late. In addition they advised they did not have a contact number for me, then verified my contact number but had never called. They are reporting negatively on my credit report for an error they made and failed to make good on.

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 2017-08-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: TN

Complaint narrative:
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

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 2017-08-28 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: FL

Complaint narrative:
I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.

Company response to consumer: Closed with explanation