vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Student Loan Finance Corporation
State: CA

Complaint narrative:
Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: AZ

Complaint narrative:
I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.

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 — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX IS MY BOA CREDIT CARD. I CAN NOT GET THE LAST 2 STATEMENTS. BOA DOES NOT RESPOND. BOA IGNORES THIS REQUEST. BOA REFUSES TO ANSWER.

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 — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I can not access my account through money saving apps such as XXXX. 

Please allow me to use these features

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as  they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LendUp Loans LLC
State: WI

Complaint narrative:
I have borrowed from XXXX since XX/XX/XXXX using my phone to conduct loans online. There has been only one incident in the past about completing a loan due to a " glitch '' in their software. Was resolved, although not quickly. I have never missed a payment and have sometimes paid early. I live in Wisconsin. I am " achieved Gold Status '' on their " Ladder to Success '', yet am told Wisconsin does not allow consumers to go beyond " Silver Level ''. I have never been able to borrow any higher amounts nor have I been charged a lower finance rate even though I have paid on time and or even early. 
Since XXXX XXXX, XXXX, I have been trying to re-apply for another loan and the system has another " glitch '' in it. SIX DAYS LATER ... ..STILL UNABLE TO RE-APPLY!!! This has hurt me financially as I neeed the money for rent due XXXX XXXX. Nothing is posted about the problem. They tried to say my phone was causing it. Another employee said I was " Third Party Restricted ''. I  called those people. They said I was not and XXXX was giving me wrong info. 
I find 6 days of an issue not resolved as indication of something else going on. Am I due any refunds???

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: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I checked my statement online to confirm my direct payroll deposit had come in. While viewing my account, I noticed my savings account balance was lower than it should be. I found two suspicious ATM transactions. Specifically, two {$100.00} withdrawals five days apart. I have no recollection of either transactions, and I never make ATM withdrawals from my savings account. I spoke with XXXX in the Claims department and filed a dispute for the two transactions with Wells Fargo. Since I could not positively deny the transactions without personally viewing the ATM security footage, I agreed to put the disputes on hold until I could see the footage for myself. He said he could not send me copies of the footage, but that I could view them at a Wells Fargo branch. He marked the dispute closed, but told me I could reopen the claim if the footage did not show me as the person making the withdrawals. Out of an abundance of caution, my ATM card was cancelled, Wells Fargo agreed to send me a new one, and I was told I could pick up a temporary card at a branch. 

On XXXX/XXXX/XXXX, I went to a Wells Fargo branch in XXXX XXXX XXXX ( where one of the suspicious transactions occurred ). I was given a temporary ATM card. However, I was told I could not view the security footage from the transactions. They did n't know why Wells Fargo claims would even tell me I could, that that is not their policy. 

On XXXX/XXXX/XXXX, I placed multiple calls to Wells Fargo to get some answers. During one call, I was left on hold for over an hour. On another call, I was left on hold for over 1-1/2 hours. Once again, different people gave me conflicting answers. XXXX XXXX ( sp ) suggested I open a new claim and transferred me to XXXX in the Claims Assistance Center. He told me the same lie XXXX told me, that I could view the security footage at the branch. He also told me that, once the claim was closed, it could not be re-opened and I could not open a new complaint

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After many attempts to resolve this issue, Experian and XXXX continues to report the following items : XXXX : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) Experian : XXXX XXXX CT IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Now account # XXXX amount 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 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 Now account # XXXX amount XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I recently looked at my credit reports and noticed that Wells Fargo Financial XXXX reported negative marks PAYS 30 DAYS late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a  responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

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 monetary relief