vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
yesturday i reported something over the phone and did not get a rpeort number so i am writing to you. i tried to call chase bank at XXXX XXXX XXXX XXXX XXXX and could not get through for just under an hour. i then called their complaint center at XXXX to report this. he said they dont do that and i said i would report him to you. he rudely told me he did not care and dared me too. then he hung up. a report to you might have gotten thru at XXXX from operator XXXX. i could not get a complaint number and he said it would be on email-which it is not. i complained about chase once before and people are very rude now. if its not for you they may mismanage my account. why did they hang up if you cant help tell me who can since others have said you helped them on similar issues. addresses change at the bank with out my input or knowledge. is there something going on they dont want me to know because of a civil suit. id work with them if they gave information for an apprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My hardship began on XX/XX/2008, due to a very violent robbery on my business, I was shot and badly injured. I could not manage my business and I had a business failure. I had no income and our interest on our mortgage changed and the monthly payments increased. 

We were left in a very bad financial situation. Our household expenses also began to be too high, It was hard to keep up with all our financial obligations. 

Today I live off my social security benefits and my daughter is working and helping with our expenses. 

I have made several attemps asking the several servicing companies and investors to which my loan has been transferred, to review our situation and approve us for the best loan modification program that we are eligible. I would like to maintain my loan at 2 percent interest rate, reduce the amount of money owe, and have an affordable monthly payment. 


I would to request that Shellpoint mortgage to provide me with this information : 1. Proof of Chain of custody of title.

2. Proof of The amount of monies exchange for all of this transferring of ownership transaction. 
3. Proof the account has never been charged off ; where by an internal book entry credit has been applied, bringing the balance to zero ; and then without my consent a creation of a new account, was formulated, where the previous unapplied credit remained outstanding balance after the internal credit application. 
4. Proof that the a claim for mortgage default insurance was submitted as it is customary after the 3 months of mortgage default, and it was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called XXXX and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. XXXX mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the XXXX months by spreading it out over 6 months ). I did everything that XXXX told me to do. I skipped the XXXX payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with XXXX mortgage. 

Very predatory lending practices by XXXX. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( Equifax ) have provided me with NOTHING, the creditor has not responded to my concern. XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Account # XXXX AND Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I got an email stating my account was overdraft {$100.00}, I instantly went check my mobile app to see what was going on. When I logged in the screen said account closed and had an XXXX number for me to call, I called the number and spoke with a gentleman that said Bank of America has decided not to do business with me and my account is closed. I didnt get a notice, I used my card the morning of XX/XX/XXXX I just picked up a temporary atm card on XX/XX/XXXX no one said anything. This messed up my direct deposit I have to wait until next week to get my paycheck and I couldnt get my money out the account, they send it back in a check and that takes a week. I have a rental car that I couldnt pay for with the rest of my weekly bills not to mention the autopay I had set up I cant even eat all because my funds are tied up due to Bank of America deciding to close my account with no explanation. This is HORRIBLE ... I will never trust a bank again and definitely will never have all my money in one spot. I have 2 bank accounts now with no money in them thanks to Bank of America. I want to take further action.

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 2019-05-01 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: GA

Complaint narrative:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2009. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Credit Counsel, Inc.
State: TX

Complaint narrative:
This people are rude below is the paperwork of my loan they didnt give me credit for my gap insurance Everything circle on my paperwork are the amount of both loans the Original and the refinance amounts

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed a couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX-XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen has referred me to a company for foreclosure. That company is XXXX XXXX , XXXX of Atlanta, Georgia. I use the auto pay system that my bank provides. I have been making my payments to Ocwen however they have been sending them back. In XXXX my checking account was hacked and the mortgage payment did not go out as scheduled. However, I sent it out immediately after the Credit union issued a new checking account. I keep sending in payments and Ocwen keep returning them. Now they said they are going to foreclose. 

Also they failed to maintain my escrow account properly and did not pay the Insurance company the correct insurance. I had a house fire and found out that Ocwen failed to pay coverage to rebuild the house. They lowered my policy over {$10000.00} and my mortgage was more than the coverage and I was left without enough coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I held one particular XXXX XXXX account since XXXX, that has a {$30000.00} credit limit. In approximately XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XXXX/XXXX. for XXXX XXXX, XXXX could not find that account at all. At that time, XXXX XXXX cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, XXXX XXXX began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact XXXX XXXX but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to XXXX XXXX to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AR

Complaint narrative:
These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX - {$170.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - {$2500.00} XXXX XXXX XXXX  - {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Financial Services
State: WA

Complaint narrative:
Landlord Tenant Court Records ( Date Filed XX/XX/2018, Case Type Civil Action for possession, XXXX  Case # XXXX ) I do not owe this judgment, nor can it be proved that I owe this judgment. This must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Beginning in XX/XX/XXXX-present I have disputed a credit card with XXXX XXXX XXXX XXXX  when I noticed on my account as charge off. I have sent four rounds to the three credit bureaus, I have even sent validation letters to XXXX, and spoke with a representative at XXXX XXXX XXXX  XXXX  and she stated they did not have ANY information on file that hold me accountable for this debt. I never heard from a collection company and XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: GA

Complaint narrative:
Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have been trying to get the amount of my income-based repayment plan payment corrected since XX/XX/2019. Last year my husband and I had our student loan payments more than double without any change in our income due to a mistake made by XXXX XXXX XXXX when we requested due date changes on our accounts. Because we could not afford the new payments I put my loans into a forbearance. 

I have applied for the REPAYE income-based repayment plan and this application has been " processing '' for nearly three months now. I make phone call after phone call and no one at XXXX XXXX XXXX seems to have any idea what is the problem. 

When I spoke to a representative from XXXX XXXX months ago I was told that my estimated loan payment will be around {$170.00} per month. It is currently at {$280.00} per month. I have inquired multiple times in order to verify my payment amount with XXXX XXXX and in over two months I have gotten no reply. 

My husband 's situation was corrected after filing a complaint, so I am doing the same so that my situation might also be corrected. 

This message has been showing up when I login to my online account : Income-Driven Repayment ( IDR ) Resubmitted We received your IDR request. 
At this point, we will notify you if your request is put on hold or if any additional documentation is needed. 
At this point, we will notify you of the outcome of your IDR request. 
We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment. 

I still have not received any correspondence/email from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old

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 2019-05-01 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: TX

Complaint narrative:
I have paid my derogatory accounts and they are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation