vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
It is with great fraustration and after eight years requesting from Chase Bank a work out plan that is feasible to all. As of today I have not received any decent help or resolution on this case. 
Just to familiarizes you with the case, after so many packages provided. 
On XX/XX/XXXX. I, XXXX XXXX was called by a representative of Chase Bank while applying for a loan and was informed that my application package submitted by XXXX XXXX XXXX XXXX XXXX on XXXX Loan # XXXX was denied. No specific reason was given. Except that I had the right to an appeal. It's so happened that the day of the denial was the last day for the appeal. How can both happened at the same time. 
This loan is a Wamu loan option arm based on a 3 % margin over the MTA index and property taxes are escrowed. I understand that chase bought the loan from Wamu ( Washington Mutual ) in ridership in XX/XX/XXXX. It was shortly after when I started getting invoices from Chase. Please understand that this is not a mortgage default. I have never stopped payments on my mortgage.. 
All I wanted was for Chase to give me what the had promised. 
The agreement read {>= $1,000,000} dollars less that the existing principal on the loan and agreed to hold the difference on a 0 % interest for 30 years. They waited six months to tell me they were not closing the promised loan.. 
Chased proceeded to do an appraisal The appraisal indicated my home was under water I then accepted the refinance loan and provided loan documents. Again Chase came back and told me that they could not give me a loan. 
There area various issues with this mortgage First being JP Morgan Chase may lack the proper legal standing to enforce the mortgage and note, because of the note endorsement stamp issues containing the signature of the former Vice President of Washington Mutual, XXXX XXXX. 
XXXX XXXX report from XXXX Fraud mortgage investigation suggested that the interest was not calculated properly and also the real estate taxes. He pointed out that the note may not be properly endorsed and that Chase never recorded the deed. 
I think chase 's tactics were disingenuous and perhaps even fraudulent. I have provided report from XXXX XXXX XXXX Fraud investigation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just recently had a debt of {$400.00} pleased from XXXX  XXXX I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the Equifax breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
I have previously utilized CFPB assistance ( complaint number XXXX ). At this time, I am continuing to have struggles communicating with FedLoan Servicing. They have removed letters from my paperless inbox and have not responded to my multiple requests to return the communications which have occurred around public service forgiveness. Please help me to compel Fedloan Servicing to stop deleting their communications with me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: NM

Complaint narrative:
We have received repeated robocalls from Harris & Harris regarding somebody's debt. We are a home office managing multiple companies and do not give out employee information. I usually hang up on these type of calls, but they have called about six times in the last six weeks. I called back and formally requested that they stop doing this two weeks ago. I was told they would stop. Despite this, they have called back two more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
I noticed I had a negative mark on my credit report on XX/XX/2019 involving a medical debt that was being handled by Works & Lentz , Inc. of XXXX XXXX, OK. I have never received any notice via phone or written communication of this debt from Works & Lentz , Inc. Upon further investigation with my insurance company and the provider, a claim had never been filed and I had not received any bills due to error in my address on file. The claim has now been submitted and I was advised to notify the debt collection agency that the debt was now in process of being resolved. Upon calling Works & Lentz and  explanation of events, they wanted my contact information to now notify me of the debt. The individual on the phone also wanted our insurance information and DOD number even thought they are not the ones filing the insurance claim. I promptly ended the phone call at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They call all hours Im trying to pay it I have a garnishment coming out I cant get a head when Im being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
TransUnion has been reporting lates on my XXXX XXXX in XX/XX/2019 for quite some time now. However all of my XXXX  XXXX accounts were in deferment at this time. Other bureaus have already removed the lates but TransUnion refuses to do so. I have attached proof below that these accounts were in deferment and that the lates should be removed.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just recently had a debt of {$400.00} pleased from capital one I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the XXXX breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: U.S. BANCORP
State: UT

Complaint narrative:
Us Bank is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2019-09-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, TranUnion and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.

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 2019-09-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hello, Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/19 and was advised that I was roughly one month past due in the about of {$130.00}. I advised that I would make a payment on Friday, but I would like for my grandmother 's number removed from the account due to her being elderly. I also was trying to explain at one point I was told that she would be removed as a co-signer. The representative did not want to listen to me so I requested to speak to a manager. It took 4 times for me to constantly state that I wanted to speak to be transferred to a Supervisor who was just as rude as the representative. Her ID is XXXX and located in Indiana site. She was trying to over talk me as I was trying to explain to her what I was told perviously about removing the phone number. She also belittled me and told me if I paid my bills on time they wouldn't have to contact her in the first place, isn't this a violation of UDAAP. I am currently recovering from XXXX so most of my funds are going toward my current situation. She also told me that there are guidelines that must be met before I can qualify for co-signed removal after degrading me and questioning me about my payment not being up to date. If I am only 1 month past due on my loan repayment and being treated this way, I can only imagine the obscene behavior they are displaying towards individuals that are more delinquent then me. I advised her that I would make payment on this upcoming Friday then she stopped attempting to belittle me, this is not customer service. I also requested that the pull calls from earlier this year when someone told me that the co-signer number would be removed. She advised that if I did not have an exact date they were not going to look through my account to find out when someone told me this after I requested this be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan was transferred from XXXX XXXX to LoanCare , LLC effective XX/XX/19. This was all well-communicated in advance by XXXX. I had already received a monthly statement from XXXX XXXX. I was unable to pay XXXX since they were no longer servicing the loan. There were issues, however trying to understand my obligations and pay LoanCare in a timely manner. First and foremost, I NEVER RECEIVED A XXXX STATEMENT from LoanCare or their subsidiary. I eventually figured out that I needed to pay them for XXXX when I tried to set up auto-draft on XX/XX/19 ( the first day that this was possible per their system ) and it told me I could not do this until I was less than 4 days in arrears on payment. How can they tell me I am behind when I never received a statement from them??? I paid on XX/XX/19 by telephone and then called them on XX/XX/19 to ask for a XXXX statement. I wanted this as documentation that I was supposed to pay them and for proper record-keeping. Their customer service could not provide it. They said I am to use the XXXX XXXX statement as my documentation. I responded that this makes no sense since I am paying LoanCare - not XXXX. They apologized and said they had no way to send me a XXXX statement. I then asked for an email as documentation and was told I would need to speak to a supervisor. I got a supervisor who then acted like she could not hear me and she hung up. Again : How can they expect to be paid if they didn't send out statements? I paid mine, but how many other people will miss their deadline because they never got a statement? Also, I do not know the terms of the transfer between companies. How do I even know if I really was supposed to pay for XXXX? Of course, I paid just in case because I figured it out, but their entire process of expecting payment without sending a statement just is not right.

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 2019-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attempted to retrieve my credit score from Experian for the past 2 weeks to no avail. I have attempted to retrieve my score online and via phone. Finally, today ( XX/XX/2019 ) an agent was helping me. She asked me at least 8-10 identifying questions and said " ok '' as though she had what she needed to assist me ... and then hung up on me. I tried calling the company back and told the next representative that I would like to speak with a supervisor. He then asked " why? '' and I told him how I was trying to get my credit score and  continued with what happened with the previous rep. I asked to be connected with a supervisor twice, he then attempted to connect me only for me to get hung up on again. My issue with Experian is how can you represent America 's credit, yet have it mandatory for us to speak with everyone around the world. There isn't a direct way to gain sufficient support from the Experian and when you do get in touch with a human being, they're from XXXX XXXX or somewhere around the world. And then you advertise to watch out for the dark web, where individuals buy/sell your information. I have nothing against those hired, however, I do not understand your lack of concern when allowing Americans to share the pertinent information that makes them vulnerable. I do not appreciate a representative taking my information from another country and then hanging up on me without attempting to call or email me back to apologize for the disconnection. Due to that, I feel this was intentional.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Overdraft fees charged when the account balance didn't become negative. This has been a repeated issue over the last 6 months. Wells Fargo says this is being caused by pending charges on the back end that can't be viewed by myself or the personal bankers in store. 
Today ( XX/XX/19 ) I received an email stating that I had been charged 2 overdraft fees for items posted on the XX/XX/XXXX despite an ending daily balance that was positive. I spoke with a personal banker who assured me that the fees would be refunded, however, shortly after leaving I received an email refusing my refund request. I returned to speak with the personal banker and was informed that the refund was being denied because they have a limit and I had reached it over the last 6 months. The only fees that have been refunded were due to this same issue.

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