vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is my mortgage servicer, but is failing miserably to provide me with an opportunity to keep my home. For several years ago I have been trying to work with them, but they have failed to provide me with any mortgage payment relief. They have dragged their feet and I believe they have not properly reviewed my loan for workout options. I make enough money to afford a reasonable payment and believe there must be some sort of modification or forbearance program available for which my loan can qualify, but Chase isn't taking me seriously. I have spent YEARS trying to get them to modify my loan and it seems impossible to get them to perform a financial calculation of my current income and offer a program that fits within the guidelines for mortgage assistance. Their staff has been robotic and I fear that I will lose my home because they are blocking me from getting help. I lived in my home since XXXX and I had my hours cut at my job a few years ago. I reached out the Chase to get help, but they kept denying me because they did not include all of my household income. My wife makes good money, but for some reason, Chase did not take her contribution into account. I contacted Chase when I knew I was going to miss my mortgage payments, but I have only gotten the runaround and have been unable get them to properly review my loan for workout options. I have had multiple single points of contacts who would never return my calls and I was forced to repeatedly send in the same documents that were " never '' received. Eventually I had to turn to an attorney who advised bankruptcy, but I continued trying to work with Chase to get assistance on my mortgage loan. They were given billions of dollars to help homeowners who are in trouble, but apparently can pick and choose who and how they help. During the last three years, I have been shut out every opportunity to have my mortgage loan reviewed for assistance options and need help to get them to treat me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
When I moved out of my apartment I was told I would only have to pay for the carpet which was around XXXX an maybe some other damage. The manager told me I would receive the bill and my security deposit in 1 week but I didn't receive anything and couldn't get ahold of the manger after that. 3 months later I get a call from a debt collector saying I owe {$800.00} from the apartment that I was never notified about. 

The property owner is XXXX XXXX and the apartment is called XXXX XXXX. The debt collector is National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
Incorrect comments reported under loan servicing company regarding a mortgage I had with and investor. August REI has not and will not update status to Release of Lien vs. Deed in Lieu of Foreclosure although the investor has filed a Release of Lien. Service Company not involved in agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiMortgage has failed to properly service our mortgage loan and we are facing a foreclosure sale. We had to file bankruptcy to try to get our payments back in line, but it is only a matter of time before our home is lost through foreclosure. We feel this is very unfair since they have never completed a review for mortgage retention options, even though we have complied with every request they have put in front of us. We killed an entire forest of trees trying to get them the documents they needed over the last few years, but this has yet to get our loan to their underwriters. We fell on difficult times financially and fell behind on our mortgage payments. We had no other choice given the situation we were in at the time. We have tried for years to work with CitiMortgage, but they have not provided any offers of loan modification or repayment plan. We feel though that their representatives have treated us with indifference towards our situation and have never really worked on getting our mortgage payments back in order. Our income was reduced when I suffered business losses and then my wife lost her job a short time later. Now that we are in foreclosure and apparently will be facing imminent eviction, we need your help to ensure that we have the opportunity to save our home. It would certainly be travesty if we lose our home due the inability of CitiMortgage to get our information into a reviewable format. We also have never had a single point of contact with whom to discuss our circumstances. This we understand is something that should have been provided to us. We want the opportunity to ensure we maintain our home for our family and live here the rest of our lives and thus will need your intervention.

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 2018-12-08 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.

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 2018-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Optima Advocates
State: WA

Complaint narrative:
Received a call from one of their representatives in XX/XX/2018, telling me about student loan refinance and pay off at a lower and more manageable payment. Put me on a payment plan, while mentioning that it would be for my student loans. After a few months, payment of more than 5k to Optima Advocates, they said they were finalizing a settlement action with Student loan servicer and would take a few months to settle. 
Called and emailed in XX/XX/XXXX to get an update, said it was in the process and would email/mail me information sent to my Credit Bureaus and loan servicer, it is XX/XX/XXXX and still have not received information. Called and emailed again XX/XX/XXXX and XX/XX/XXXX, said that the case manager is on leave for medical issues and she is the only one who has access to my file. Called them XX/XX/2018, spoke with quality control manager and told me they are putting my file together to get an accurate information to send to me. They will follow up again on Monday. They have said this multiple times with no updates

Company response to consumer: Untimely response
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had credit card with XXXX XXXX - XXXX XXXX XXXX XXXX and over 12 months I have earned cash back of {$360.00}. XXXX XXXX stated that check in amount of {$360.00} was mailed to me in XX/XX/2018 but I did not receive the check. When Ive called to see what is happening they said that check was mailed and they can not issue me another one. Since original check was not cashed and I did not receive it I do not understand what is the issue and why I can not receive my money from cash back.

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 2018-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/18 at XXXX a man called me from ( XXXX ) XXXX XXXX XXXX , CA . He identified himself as XXXX and said he was an Attorney that had been retained to collect a debt. He knew personal detailed information about me and my assets. I told him I wasn't aware of any debt, he then told me a summons had been mailed to me and if I didn't appear in court I would be arrested. 
I began to ask questions about the debt ... he got very rude and said I had already been made aware - at this time I needed to make a payment of {$800.00} to settle the debt or my car would be repossessed. 
He told me if I haven't made a payment by Monday XX/XX/18 he will be moving forward with court proceedings to have my vehicle taken ( which he knew the specifics of ). 
I'm not sure if this is a scam ... but, this phone number came up on a XXXX search and I have never received any letters from a debt collector or an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Around XX/XX/2018 I started the process to open a Charles Schwab account that provided an debit card. In order to open this Charles Schwab account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX   compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX wallet, but it kept failing. 

When I reached out to Charles Schwab about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called Charles Schwab again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( XXXX  ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. XXXX  still has the record, and Charles Schwab conveniently passed this off as my responsibility to contact XXXX. When I talked to XXXX, they refused to help me or give me any status update about this, telling me it is Charles Schwab 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( Charles Schwab and XXXX  ) have refused to offer any assistance.

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 2018-12-08 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I had my identity stolen by someone and had made several hard inquiries which I had never authorized.

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 2018-12-08 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: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I have a debt on my credit reports through XXXX XXXX   from XXXX  and XXXX from Waypoint Resource Group or XXXX. The debt is from XXXX. I was born in XX/XX/XXXX ; I'm in XXXX  and I have always lived with my parents. I have never applied for TV or internet services. The only credit I have is a credit card through XXXX XXXX which is in very good standing, never late or over limit. The debt has a date of XX/XX/XXXX on my credit reports. I filed a dispute with the credit bureaus and directly with WayPoint and it's still on my report. I'm about to enter graduate school and I need to have clean credit to get the loans required to graduate. I was advised by my counselor to request debt validation with proof of a signed application, dates as to when the account was opened, how it was opened, etc. I never received any proper validation. All I received was a copy of a bill with the dollar amount of {$610.00} as the balance. No proof as requested was provided. Under the FCRA, I have the right to request debt validation and it must prove the debt is mine and was obtained correctly. Please remove this from my credit reports as I'm just a young student trying to make the best of my life and this is causing many problems. 

WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: CA

Complaint narrative:
I had my identity stolen by someone and had made several hard inquiries which I had never authorized.

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 2018-12-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I had my identity stolen by someone and had made several hard inquiries which I had never authorized.

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 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Around XX/XX/2018 I started the process to open a XXXX XXXX account that provided an debit card. In order to open this XXXX XXXX account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX  compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX  wallet, but it kept failing. 

When I reached out to XXXX XXXX about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called XXXX XXXX again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( Equifax ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. Equifax still has the record, and XXXX XXXX conveniently passed this off as my responsibility to contact Equifax. When I talked to Equifax, they refused to help me or give me any status update about this, telling me it is XXXX XXXX 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( XXXX XXXX and Equifax ) have refused to offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Unfortunately in XX/XX/2016, XX/XX/2016 through XX/XX/2017, and also XX/XX/XXXX and XX/XX/2018 monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/2018.

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon.

Regards, 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 explanation