vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at 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 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: ACS Education Services
State: NE

Complaint narrative:
I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I have had a personal line of credit with Arvest for almost 3 years with no late payments. I recently advanced to just under my credit limit. Although I make my payments on time and I have never exceeded my credit limit, Arvest Bank is negatively reporting that I am over my credit limit although I am not. This is negatively impacting my credit, and it could have large negative impacts on a mortgage loan I am in the process of getting for a newly constructed home.

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 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

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 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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 discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

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 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

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 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: CA

Complaint narrative:
I am a victim of identity theft. I wrote to this company TWICE. My first was a letter dated XX/XX/XXXX. My second letter was dated XX/XX/XXXX. On both occasions, I filled up and submitted an FTC affidavit and had them notarized and sent this company a copy of the notarized Affidavit. On those dates, I also did the same thing with XXXX and XXXX. On both occasions, BOTH XXXX AND XXXX, REMOVED THE UNAUTHORIZED, FRAUDULENT INQUIRIES I disputed. TRANSUNION REFUSED TO remove these unauthorized, fraudulent inquiries. If they did investigate, they will not ask for additional information. I sent them a letter twice and a notarized FTC Affidavit containing the list of the fraudulent inquiries and dates. They blatantly violated FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlantic Credit & Finance, Inc.
State: CO

Complaint narrative:
Calling work place multiple times throughout the day.
Harassment of people other than myself.
Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.

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 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 've been telling TransUnion that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX inc is like I said.

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