vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 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: MA

Complaint narrative:
This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment. 
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day. 
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined. 
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here

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 2017-11-02 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: MA

Complaint narrative:
Equifax refuses to allow me to challenge child support, which is clearly incorrect. THis item is already deleted from my XXXX report! I have had this problem for quite sometime, my constitutional rights are being tossed aside, please help me! Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters. 
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me. 
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: MD

Complaint narrative:
TransUnions investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the  actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. 
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed  agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
XXXX XXXX please provide your title with the company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing fraud

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 monetary relief
Consumer complaint received 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/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 2017-11-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/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 2017-11-02 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: MA

Complaint narrative:
A few years back, my payment was around {$80.00} per month in a repayment plan. Then one month, with no prior notice, the payment deducted was substantially more. As stated, there was no prior notice whatsoever. I called and had to battle with them to get the payment reconfigured to an amount I could handle. Just this week, the EXACT SAME THING HAPPENED AGAIN. My payment was around {$85.00} per month and all of the sudden, with zero forewarning, the amount deducted from my bank account was {$240.00}. This is unacceptable. I am about to have my XXXX child and unauthorized debits like this can substantially affect my financial viability if it keeps happening. At least if I had a notice that the payment was being raised, I could do something about it. Maybe that 's not a big hike in amount for some people but it is for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased a XXXX XXXX and for ~28 months made my monthly payments by submitting a check to Chase Auto Finance via my bank XXXX XXXX XXXX. Each of those ~ 28 months my check was cashed by Chase Auto Finance and each month each of those payments was posted correctly by Chase Auto Finance. 

Then on XX/XX/XXXX my bank again issued a ck to Chase Auto Finance ( as per usual ) and same process again in XX/XX/XXXX. Unfortunately Chase Auto Finance cashed my cksfor XXXX and XXXX, but Chase Auto Finance did not post the checks to my account. 

After A LARGE number of calls, over a 90 day period, Chase Auto Finance was able to find and correctly post my XXXX payment -- which is great, but to-date, Chase Auto Finance can not account for the XX/XX/XXXX payment. 

I have twice printed statements from my bank showing the issuance of the XXXX XXXX ck and the cashing of that ck on XX/XX/XXXX by Chase Auto Finance. I provided the printed copy of my bank statement to my local Chase Bank, and bank staff at that location, on two different dates ( the first time Chase Auto Finance lost the fax (!! ) ) faxed my bank statement to Chase Auto Finance. 

I have escalated this issue to Chase Auto Finance ' corp office and still no resolution -- in fact they closed my case after finding only the XXXX payment. 

Interestingly, today I called the XXXX XXXX offices in Michigan, spoke to a person by the name of XXXX and he laughed because HE IS GOING THROUGH THE SAME PROBLEM!! 

Please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX EMAIL : XXXXXXXXXXXX Chase Auto Finance Case # : XXXX Phone : XXXX ext : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifaxs investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
In XXXX I received a charge from XXXX XXXX on my XXXX XXXX credit card. I do now have an account with XXXX XXXX or their finance company BridgeCrest. I called numerous times and was not able to get anywhere until I made a complaint with the CFPB. I was contacted by XXXX ( no last name ever provided ) and was asked to send a copy of my credit card bill and a police report. 

They opened a log XXXX. XXXX called me back saying they 've completed their investigation and refused to provide me the resolution. She will not provide me an answer to 1. How did this happen ( phone, online etc ), 2. What kind of transaction this was, and 3. How will they prevent it from happening in the future. 

I have already contacted XXXX XXXX and the charge has been reversed but XXXX XXXXBridge Crest has refused to provide a resolution on their end.

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 2017-11-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experians investigation about my debt dispute with XXXX  did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.

Company response to consumer: Closed with explanation