vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date :  XXXX   2014 Amount : {$9600.00} No disclosure received Action : I called several times and they keep transfering m  e to oth er department.

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 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I have sent in several certified letters for validation of debt due to erroneous mistakes. The balance is incorrect, name, etc. It has yet to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: LA

Complaint narrative:
I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I. DISPUTE Case No. XXXX 1 ) Seterus Inc. 's response of XX/XX/XXXXwas not followed by more information but says, in regard to providing a " single point of contact '' that they may assign a " team '' as a single point of contact rather than any one individual. The problem with this response is that they have yet to identify any such " team '' by name or code number, so all correspondence, calls, emails, faxes, go to n o identifiable person, and I never know who should receive or has received my communications ; i.e. they still do not follow the single point of contact practice for all practical effect.
2 ) They also say ( page one of their letter to me ) their enclosed Account Statement incorrectly detailed the monthly installment of {$1600.00}. But they do not seem to say how they rectified the error.
II. New Issues : 1 ) Seterus ' practice is to charge a late fee when a payment is received after the XXXX of the month. But my XXXX payment, which was mis-routed by the Post Office to Tennessee, still arrived by XX/XX/XXXX according to the certified mail receipt they signed. They said they would look into the issue but have not yet acknowledged their overcharge as of XXXX today.
2 ) Seterus has not remitted my property tax refund : As a low income/XXXX/senior citizen, I was granted a Property Tax Postponement. However, I have been paying my property taxes as part of my loan payment to Seterus. The XXXX XXXX County Tax Collector/Treasurer, which was paid my taxes by the California State Conroller, did not repay me but instead paid Seterus, so Seterus was paid TWICE, by me and by the county. My tax situation is supposed to be a " WASH '' so i do n't owe but am not shortchanged. But if I sold now, i would have to repay the state, and I already paid Seterus, so I would be paying TWICE, Seterus is getting PAID twice. That refund should be going to me so that there is a wash.Instead, i have been using the tax payment money that I was not supposed to pay, to pay for my bills and basic needs. So Seterus needs to repay me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: TN

Complaint narrative:
I received a letter from TRS Recovery Service s Inc, c laiming I owed  XXXX  debts ( Reference numbers  XXXX  and  XXXX  ) for  XXXX  and  XXXX  respectively. They are claimed to be related to Unpaid Electronic Fund Transfers from  XXXX   XXXX  number  XXXX ,  Telecheck. I  have never been to this  XXXX   XXXX  and I certainly did n't do any fund transfers. I was not near that  XXXX   XXXX  on the day they claim. The numbers and methods they provide to contact them all demand social/bank routing info/etc. I will not provide this info to a company that appears to be scamming me. I googled this company and find that they do this to lots of people and have many complaints against them. I want the issue resolved and I do not want to receive any more communications from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted Transunion about some incorrect, inaccurate, and fraudalent data on my credit report and I also contacted the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Transunion to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit against the agency my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Transunion. The collection agencies are  XXXX  accts with  XXXX  for {$600.00} and {$770.00} and a rent debt account for {$300.00} that was settled in court and they sided with me. And a   XXXX   XXXX   for {$600.00}.   I 've filed a police report for ID theft and a report with the federal trade commission as well.

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 2017-06-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Both of my parents were found died on XX/XX/XXXX 2017. My parents had a reverse mortgage which of course was there discussion. After their bank accounts were frozen, 10 days later my parents are dead  to XXXX. I am the one that called Financial Freedom and told them my parents had passed. I even sent copies of the death certificate to them, although we are still waiting on FINAL Autopsy before we can even open an Estee. But Financial Freedom, NEVER BOTHERED TO TELL ME WHEN THE COURT DATE WAS. THEY HAVE SEIZED THE PROPERTY AND IT STILL HAS MY OWN PERSONAL CHILDHOOD ITEMS IN IT. THESE ITEMS NEVER BE REPLACED. WITH LARGE LOCKS. THE DEATH CERTIFICATE IS NOT COMPLETE HOW CAN THE TAKE PROPERTY, WHEN LEGALLY THEY HAVE NOT GOTTEN A FINAL AUTOPSY? I ALSO SENT A REQUEST AT SAME TIME I SENT THERE PENDING DEATH CERTIFICATES, ASKING THEM TO PLEASE SEND A DETAILED LIST OF ALL DEBT OWED, THAT MY INTENTION WAS TO TRY TO SETTLE THIS WHEN I WAS ABLE TO GET INTO THE ESTEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
XXXX   XXXX  received letter  that Navient would seize my assets if I did n't pay. I called to ask about that and they said they never sent it. They also said I had 2 mor e months until default of loan. I asked to mail in a payment they requested to keep it from getting more behind, which the normal payment is  XXXX . They then said " because of the state of my loan being 5 months behind this arrangement was not acceptable ''. My next payment was not d ue until ( month 7 behind of 8 before default ) 2 weeks from now. It was pressure and tactics that made no sense. I did not want to give them my account information because my mother, a cosigner, did that and they took money she did n't authorize. I asked to pay the loan off in a settlement and they also requested al l kinds of financial information. The payoff was to be by a benefactor, so it had no relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Problem : Credit score wrong as the associated credit report shown on XXXX incorrectly states that I have n't got recent usage of credit card. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They advised me to contact Experian as according to XXXX they do n't change the data from Experian. They further advised that there is problem with " Last Activity '' data being reported from Experian as it states " Not available ''. " Last Activity '' should have the date of my last credit card usage Date : XX/XX/XXXX - Contacted Experian ( XXXX ). They generated a credit report and walked me through and highlighted that they are sharing all the required data to XXXX. They further stated that they can clearly see in my report that there is recent credit card usage Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). Since the agent could n't resolve or had access they escalated to their manager. The manager accepted that this is an issue and committed to resolve within 24 hrs even though their normal SLA is 72 hrs. She accepted the fact that the lower score being reported is what the mortgage lenders will see. I highlighted to her that because of this data issue on their side I will need to pay higher interest rates. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ) as there was no response for more than 24 hrs. A supervisor committed to address the issue within 24 hrs or offer me a work around if they are n't able to resolve. <P/>Date : XX/XX/XXXX - Email sent from XXXX restating the issue and that they ca n't resolve this Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They just stated the same as in the email and asked me to contact Experian. They did n't want to take ownership to talk to Experian to get this issue resolved as they are best positioned. I highlighted to them that Experian have mentioned that the problem is with XXXX interpreting the credit report. Experian showed me the credit report that clearly shows that I have been recently using the credit cards. <P/>I would like to file this complaint to seek your help to get this issue resolved with XXXX as this is unnecessarily affecting my credit score being reported to mortgage lenders. Also the fact that I am not being treated fairly by XXXX to get this issue resolved.

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 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: SC

Complaint narrative:
I applied f or a Discover cr edit card on  XXXX  after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on  XXXX  over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the  XXXX  statement.  XXXX  arrived and I still did n't receive the credit and now it is  XXXX  and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did  not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
Agreed to pay in full " settlement '' which I did. Called multiple times regarding this And was explained it will be taken off my credit in  one month, it 's been 3-4 mo nths

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XX/XX/XXXX  at  XXXX   XXXX  from phone number  XXXX   (   XXXX  )  XXXX  Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  services. This is starting up I feel because I have in placed a formal review with  XXXX  for the negitive reporting done by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past  XXXX  (  XXXX   ) Federal t ax returns. These payment are made directly through EFT to this company out of my  XXXX  check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this 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 explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: MI

Complaint narrative:
I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My problem is with my mortgage lender Wells Fargo. I continue to get conflicting information from their loss mitigation department in relation to my requests for homeowner assistance programs. One letter  I receive tells me I have been reviewed for assistance options too many times so I dont get another chance to have my information reviewed. A different letter states that my only option is a short sale, but later in the same letter it says that I am not eligible for the short sale program. Another letter states that I am eligible for re-entry review because I have had a definitive change in my financial circumstances. Yet the most recent letter says I cant apply for anything other than reinstatement.  <P/>  XXXX   XXXX  re ceived over   XXXX   XXXX   dollars in taxpayer funded bailout monies. This was  followed up by unprecedented scandal with the fake bank account scam that Wells perpetrated on thousands of innocent account holders. I am not surprised tha t Wells Fargo is talking  out of both sides of their mouth. In an earlier letter sent in response to a Consumer Financial Protection Bureau compl aint, Wells gave one response,  then they sent conflicting information t o US Senator   XXXX   XXXX . I dont know how  Wells Fargo can  get away with this.  <P/> I understand that I have received help in the past and I appreciate it. Nonetheless, I deserve the opportunity for a new revie w. Wells Fargo has obstr ucted the process for over 6 months, and for this reason I want the sale date to be postponed, and I need to be approved for re-entry and a new review for modification, forbearance agreement, restructured loan as well as deferred interest and principal forgiveness programs. I dispute the fact that I have exceeded the maximum number of reviews for assistance and assert that this is a guideline and standard that does not exist. I would like for Wells Fargo to provide a copy of their pooling and servicing agreement for this loan and highlight the specific verbiage that states I cant be considered for any type of he lp. Wells Fargo actually c ontradicts themselves ( please see attached documentation ) in the various letters sent out in relation to this matter, but would like to request a copy of this directive, because I am certain it does not exist.  <P/> I want to stop the games and start the revie w. Wells Fargo has obst ructed access to all programs for well over 6 months and this needs to stop.

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