vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: NY

Complaint narrative:
Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute this account

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 2017-10-27 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: NY

Complaint narrative:
XXXX credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from XXXX  and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. XXXX  should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again XXXX will not let me on to dispute this account

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 2017-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2017, I utilized my mobile banking application which is linked to my Citibank card to make a purchase in the amount of {$200.00}. The mobile pay failed at the point of sale terminal at the merchant store. I was told in the store I would have to wait 3 to 5 business days for my funds to be returned. I advised my bank that a permanent credit should be returned or a provisional credit based on the fact the charge was pending. As an individual who works at a bank I 'm dismayed by the lack of assistance provided by Citi and the process of having to discuss this issue with customer service representatives who are unhelpful. 

I explained the situation and I was told over and over nothing could be done but to wait. There was no assistance from Citibank to contact the merchant and figure out a resolution at all. I will be closing my account and as a consumer I 'm very disappointed.

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 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address. 

About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract. 

We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures. 

OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given. 

Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ). 
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated. 



Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I 've been a Chase cardholder for about 4 years and never missed a payment. I had 2 credit cards opened and tried to make purchases and found they were n't working. After contacting Chase I was coldly told that Chase does n't have to explain why they abruptly closed my accounts and they have a right to end the relationship.It is very bothersome as most of my credit was on these 2 cards. Furthermore, their actions will negatively affect my credit score and I have done nothing other than trust Chase with my credit score. I 'm very disturbed and would like an answer. I would also like to warn consumers that  Chase should not be trusted, they can ruin you with a heartless bat of an eye. Try XXXX, they care and are much more reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: TX

Complaint narrative:
There are many mistakes in my report, I demand the following accounts be verified or removed immediately : XXXX XXXX CT NJ XXXX XXXX : unverified account XXXX Account # XXXX : unverified account XXXX XXXX XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account

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 2017-10-27 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: TX

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file

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 2017-10-27 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: AZ

Complaint narrative:
I have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these account

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at American Express. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account

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 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The services will not let set up auto pay while I have an in school deferment. I would like to make monthly interest payments while I am in school. They said I could make one time  payments or have my bank send monthly payments. The issue is they do not apply the payments correctly. I made a payment which was drafted from my bank account on XXXX/XXXX/XXXX but has not been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: OH

Complaint narrative:
I have disputed the information you listed on my report : XXXX XXXX XXXX - Account # XXXX : Unverified account XXXX XXXX AUTO XXXX - Account # XXXX : I have never paid this account late. 
XXXX POLICE FCU - Account # XXXX : Unverified Account My personal information has been reported wrong : - I have never known by these names : XXXX XXXX XXXX, XXXX XXXX, 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 2017-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XX/XX/XXXX and after 18 months had developed a perfect on-time payment history on a ( SLATE ) credit card it had moved into an extraordinarily high ( 24.9 % ) rate credit card, so I paid it off, in full with a certified cashiers check as advised by the bank and applied for another interest free card ( Freedom ) and was approved but was told to await receipt of the new card before I could do any balance transfers right away, as I was attempting to move some other debt the interest free card. After not receiving the new card for approx. 2 weeks I called in and was told my approval AND any application data was missing and was casually asked to apply yet again. I finally did so a few days later in the middle of last XX/XX/XXXX, waited for the new card which did arrive and then waited the obligatory 10 days before finally able to establish a {$3000.00} credit line and made the balance transfer of approximately {$1000.00} on XX/XX/XXXX to pay off an XXXX XXXX XXXX credit Card in anticipation of going ahead with a home loan approval where paying off that card was their Underwriter 's requirement to actually be able to proceed with the loan process. Suffice it to say that my goal was to move any debt I had left at Chase Bank onto the interest free card I had now in my wallet. Sounds simple but from there things get a bit hazy. The long and the short of it is that it took 41 days for the payoff to arrive at XXXX and by that time I and my loan approval had expired. When I asked why, an XXXX executive officer told me I had not been truthful and not actually ( as I insisted I had ) paid off that {$1000.00} balance on the XXXX card ending in XXXX. When I inquired at Chase bank as to what had happened to the balance transfer in XXXX I was told their 3rd party vendor had issued a check ( not made an ACH transfer as I had been assured it was to be that way ) and sent that check to XXXX at a XXXX XXXX XXXX in XXXX California. I called back to XXXX to ask them about that address and they had never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX - XXXX : I never paid late PREFERRED CUST JEWL - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX BXXXX XXXX XXXX XXXXXXXX : Unverified account

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 2017-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I found an URL on my Bank of America Credit Card webpage. I have XXXX credit cards and for XXXX credit cards page it is showing a link " Request for increasing a credit line '' and I clicked so. But requesting of increasing of a credit limit is not a hard check. I found that they made a hard check for me twice for my XXXX accounts thus it reflects my credit score. Snapshot are attached with this complain

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 2017-10-27 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: FL

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account

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