vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX we established a HELOC with Washington Mutual, for {$55000.00}. We increased this line in XXXX to {$110000.00}. WAMU was subsequently purchased by Chase. In XX/XX/XXXX, we refinanced the HELOC and paid Chase in full. Last month, we were attempting to refinance the new mortgage with our current bank, and the title company determined that a reconveyance was not properly filed by Chase. They filed one for the XXXX original line, but not for the XXXX increase. We are doing this 2nd refinance to free up cash to pay off costly revolving debt, and the delay ( which has been two weeks now ) is costing us hundreds of dollars in additional interest. The main issue here is their response to this issue. We have contacted Chase many times - the title company has called and e-mailed them at least 6 times, and I have called or emailed 10 times ), and we keep getting an apology that they are " diligently working on the issue ''. They also said it takes 7-10 business days to research the issue, and we are now at Day 11. Their incompetence, coupled with the lack of urgency in this matter, has caused substantial stress on our end. I also know that improper reconveyance processing has been a large problem in the industry. Loan number XXXX, payoff XX/XX/XXXX for {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX  that I have a {$130.00} unpaid debt in collections. 
I have no unpaid debts in any type of collection process nor have I received any communication from this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: UT

Complaint narrative:
I tried to dispute the debt because I do not know of it. I was able to get it removed from my XXXX, but they will not remove it from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/2018, I mailed all required documents and a letter requesting that Protected Consumer Freezes be placed on my XXXX childrens ' social security numbers. We have no reason to believe their credit has been used but want to prevent this from happening. XXXX  and XXXX   mailed letters in XXXX saying that the Freezes had been placed. Equifax mailed 4 letters dated XX/XX/2018, saying they were unable to locate my childrens credit files and generally advising me to mail in the documents I already sent them if I thought my childrens credit has been stolen. I have spent a couple hours on the phone, the last being today XX/XX/18, being bumped or given phones numbers for various departments within Equifax trying to find the correct department without any progress. I am at a loss of what to do next as I feel it was a big security risk to mail all my childrens identifying information at one time to begin with, and then Equifax can not find these documents and are suggesting that I resend them. No one at Equifax seems to know anything. Can you help? This shouldnt be hard to protect my childrens credit with a company the Government makes me beholden to. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: MA

Complaint narrative:
I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 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: IL

Complaint narrative:
On XXXX XXXX I wrote to XXXX, Equifax, & XXXX in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote Equifax about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, Equifax, & XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. Equifax as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: IL

Complaint narrative:
On XXXX XXXX I wrote to XXXX, XXXX, & Experian in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX, I wrote XXXX   about XXXX XXXX  XXXX I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, XXXX, & Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. XXXX as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off 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
Consumer complaint received 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Attached please find my follow up complaint against Transunion with regard to obtaining my credit report & regaining access to it online. 

TU states theyve mailed my credit report on 2 separate ( maybe 3 occasions ) but I have NOT received a single copy or ANY communication from them via US Mail or email. 

Im going to assume since this company cant seem to get their act together their statement that they mailed it to my address on file means that they mailed it straight to the identity thief on XXXX XXXX and NOT to me in XXXX XXXX, IN. I have no other alternative than to assume since I CANT GET INTO MY CREDIT FILE ONLINE NOR CAN I SEEM TO GET MY REPORT BY MAIL. 

WTH- would I say I havent received it and spend all this time with complaints, etc if I had!?! I want to fix this issue but it would seem I cant until Transunion fixes theirs! 

I am so BEYOND irritated ... .Im like 3 seconds away from getting an attorney and then suing them for the costs of doing so. 

SEND MY XXXX CREDIT REPORT to the address that I provided to you via mail along with my 2 forms of identification OVER A MONTH AGO!

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 2018-11-15 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: Millco Management
State: AL

Complaint narrative:
I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.

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 2018-11-15 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: GA

Complaint narrative:
I paid off my credit card balance of {$440.00} to XXXX XXXX XXXX  on the date of XX/XX/2018. XXXX XXXX mention my credit report will be updated in 30 Days. 30 Days later all three of my credit reports states a balance of {$440.00} from XXXX XXXX. I disputed the balance through Transunion, XXXX, XXXX. XXXX XXXX responded to XXXX, XXXX, Transunion saying balance of {$440.00} is correct no change was made on Credit Reports. I HAVE DISPUTED ISSUE 4 TIMES with Credit Bureaus. I am receiving correct balance of {$440.00} on credit reports. I disputed with all three credit bureaus. I am looking to sue XXXX XXXX this issue have kept me from receiving home loan and other offers.

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 2018-11-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Called Experian 5 times on XX/XX/2018 to have a Personal Statement/security statement/fraud alert removed from My credit file and i can never get any customer service representative to pick up the line all it does is redirect and loop you over and over and there is no option to speak with any one. I spent 2 hours calling at random times and its the same results.

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 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the  debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please be advised that every month when I make my monthly payment to Bank of America, they apply the payment not as expected. I have a purchase balance 19.99 % and a cash advance balance 26.99 %. I understand that any money send over the minimum payment must be applied to the highest interest balance. This is not the case with Bank of America. 
My monthly statements are not showing where my money is being applied and I am very concerned with this situation. To make matters worse they have been increasing my interest rate approximately every 2 or 3 months. All this situation has been going on for over a year now. 
I would greatly appreciate your assistance in this matter. 

Thank you very much!

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 2018-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received an email from Wells Fargo giving me information on how to access statements for an account I never opened. I DO NOT HAVE, AND NEVER HAD, ANY BANKING OR FINANCIAL BUSINESS WITH WELLS FARGO. 

The Wells Fargo " customer service '' will not do anything, even verify if they sent the email, without me giving them personal information. They would not even verify if the return email address belonged to them. I am supposed to go to one of their institutions to have someone look into it. 

I need to make sure I have NO accounts with Wells Fargo. 
I want any and all personal information they may have on me removed from their possession. They do NOT have my permission to have any information about me.

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 2018-11-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC
State: MI

Complaint narrative:
I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: NY

Complaint narrative:
I have been a victim 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 2018-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation