vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX. 
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier. 
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.

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 2017-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Account XXXX, Acct # XXXX amount XXXX XXXX/XXXX/2013

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 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I contacted wells fargo home mortgage when i put my house up for sale and was told by a representative that they do not report to the credit bureau until after 45 days. I made my mortgage payment before the 45 days. Wells fargo reported my account to the credit bureau. I have asked them to fix the error and they refused. their employee gave me a wrong information and they should n't have reported that negative information on my credit report since it was their employee mistake. I have had my mortgage with wells fargo for more than 5 years and never paid more than 30 days late until their employee gave me wrong information.

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 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : Account # AMOUNT XXXX XX/XX/2016

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 2017-12-08 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: OH

Complaint narrative:
I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: VA

Complaint narrative:
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference.
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXXXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX Transunion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2017-12-08 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: MI

Complaint narrative:
tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: CA

Complaint narrative:
On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, XXXX 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 non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: VA

Complaint narrative:
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: MI

Complaint narrative:
tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse

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 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.

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 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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 XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.

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