vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have made complaint to CFPB in 2016 via complaint # XXXX. Because of the Chase Bank fault they forclosed my property some where in 2016. We have filed appeal for the same in appeal court. Let me give you some info from the past. I have investment property located in XXXX, Illinois. Chase bank was the lender. It was a rental property. I was behind in payments, so I was trying to modify my loan with Chase. During that modification Chase bank sold loan to XXXX. I received the letter stating that loan was sold and very next week I received another letter from Chase stating that it was a mistake and the loan is not sold. So I at this point I was submitting the modification papers to Chase and in return I was getting reply from Chase that they have received my modification papers and they will let me know if they need more clarification. In fact that was a mistake on Chase Bank part and they admitted that the loan was sold and the letter they send was a mistake.I short the house was forclosed below market value and now they have put that house for sale at much higher price. Original mortgage was {$100000.00}. House was forclosed at {$79000.00} and rest they put judgement against me. Then I received XXXX XXXX from XXXX and I have to pay Tax on that which I paid in 2016. The judgement of {$38000.00} they gave to collection agency to collect. After the house was sold to XXXX, Chase bank bought it on Sheriff sale. But Chase was denying that they do not own the house.This whole thing is misleading. My question is that if Chase bought houise in sheriff sale then why they are denying and why XXXX sold house. As of today the same house is listed with XXXX XXXX in XXXX and has an pending offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This has been on my credit for 5 years and to no avail I can not get a copy of my signed lease. I do not owe this money. I did live there but they can not provide me with a signature or any lease to validate if it is mine and the amount is correct. This collection is from XXXX 2012 to present for the amount of XXXX. I do not have an account number. They keep saying I owe this amount which is not correct. I need verification that this is indeed the right amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CA

Complaint narrative:
I submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.

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 2017-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My first issue was the fact that my HELOC closed on X/XX/2017. The funds of {$59000.00} began to accrue interest daily as of that date. Those funds were used to pay off my car at another bank. The funds were n't received by the other bank until about XX/XX/XXXX. I feel cheated that Chase collected daily interest on my LOC for over a week, while I was also accruing interest on my other auto loan that was supposed to be paid off. It would have been faster if they gave me access to the LOC for me to pay down the old auto loan myself, but the loan rep at Chase told me it was required for them to pay the old loan off directly. This was not made clear to me and I feel like it is a way to cheat consumers on that additional interest accrual. My second issue is the bigger issue that made me file this complaint. After the first issue even happen, I decided to pay off my Chase HELOC in full. I did in fact do so according to the " current balance '' and " principal balance '' as posted on my online account. I was limited to $ XXXX per day until the balance was paid in full. After I paid the account in full, I saw that the HELOC was still accruing daily interest. This prompted me to call Chase to see what was going on with my account. A representative told me that my principal payments were not posted to my account and were sitting in limbo, which is why interest was still accruing on the original principal balance. Well, if my principal payments were never posted to my account, then the interest was calculated incorrectly and my payoff balance was also incorrect. When I checked my HELOC online the following day, I see that my principal balance is now magically {$0.00}. I do n't see how/why everything netted to {$0.00} if interest was not calculated properly to begin with. A representative assured me that my account would be corrected and she would follow up with me directly within the next few days. My concern is n't only for myself ( which my issue looks like it will get fixed, plus I will follow up ) but what about the others with a Chase HELOC? ... or any type of Chase loan? I 'm an XXXX so I made my own amortization schedule to follow. Not a lot of people do that on their own. Chase consumers are likely paying whatever balance they show as due on their account. My trust in Chase is damaged to see that my issue was only corrected because I called about it. What about the other consumers?? Is Chase making money off of incorrect amortization schedules???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Loans with Navient for college, XXXX XXXX XXXX. I was pushed into these forbearances and deferments. I did not understand and it was not made clear high interest rates would still be accruing.
<P/>
XXXX XXXX- {$3500.00} Subsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX DeferredXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX Deferred XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- {$1200.00} Subsidized loan Placed in forbearanceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXXXXXX XXXX -- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XXXX, XXXX, & XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 2017-07-11 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: TX

Complaint narrative:
I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I get that debt collecting companies like to call. I 'm not disputing that I owe various entities, and while I do n't really recognize 'Midland Credit Management , Inc. ' in XXXX XXXX XXXX they are probably for XXXX of my accounts that went to a debt collector. They 've already incessantly tried to call, but the nature of my complaint is they called this past Sunday. This is n't the XXXX and 'you owe me money ' tactics of harassment are fair game. Sunday is an Off day by any definition and still 'not a business day. ' They need to be reigned in to know that by phone intrusion, there are hours of a business day that are " fair game '' and then there is after hours which is off-limits. Also, I do n't think they 've left a voicemail which to me tends to ooze Unprofessionalism. So, 'by the rules ' you can call to harass us any business day, from like XXXX - XXXX, but outside of that you do n't just get to bother us about this specific debt that I know is 'important ' to you, but it is prioritized to this Family ( and probably a lower one at that ). Please hold MCM accountable to stop this practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank of DE sent me a letter on XX/XX/XXXX, informing me that they have reduced my credit limit. There reasoning was high utilization rate on revolving credit. <P/>There decision is in beach of our contractual agreement and they have acted in " bad faith. '' First - anyone in the industry of financial services ( and I am ) knows that Barclays is in financial trouble and its regulator is bearing down on them. <P/>Second - I have a XXXX FICO and my household income is in excess of {$250000.00} a year. I certainly can service my total debt amount. <P/>Third - as a result of Barclays action my FICO has been negatively impacted. <P/>Barclays is the one in financial trouble - not me. The company should not make their problem mine. <P/>I seek a reinstatement of my credit limit of {$11000.00}, else I will seek other legal and financial remedies. <P/>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 2017-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had all my inquires that were removed with the TranUnion Data glitch. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec 611 which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. <P/>1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XX/XX/XXXX 11. XXXX XXXX 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 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In early XXXX of this year, I approached Bank of America to accept doing an application for a loan modification. <P/>I submitted every single document they asked for. Then they repeatedly asked me for the same documents that I already submitted to them. They first started asking me about " missing documents '' from my loan package, beginning on XXXX XXXX XXXX. Every single time they asked me for documents, they were sent within one business day. Since that time, they have continued to delay and ask for documents that were already sent. I sent them faxes on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Every time I called and they said the package was complete, they would then wait and call and say the package was not complete. In the meantime, as I have been working diligently with them to restructure my loan, they started sending out threatening foreclosure notices. They are dragging their feet on this and causing me much stress and worry. They are purposely delaying this process.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: UT

Complaint narrative:
" AFNI '' is reporting on my credit report an account with a high balance and original creditor they listed as " XXXX XXXX XXXX. '' I had already verified with XXXX this account had been paid a couple years ago, and I have sent " AFNI '' two requests for validation of this account. The most recent was on XX/XX/2017, and I have attached it to this complaint. They failed to respond or provide any documentation of such account as required by FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call XXXX to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX / XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - Coaf : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XXXX XXXX XXXX - XXXX  XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CA

Complaint narrative:
I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name.
I did call XXXX  to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX InquiryXX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX :XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX  : InquiryXX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry 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