vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed. 
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused. 
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance. 
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement. 
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Company failed to provide adequate information that this loan is in fact mine. They have no chain of custody proof, no validated signature, lack of information proving my responsibility on this loan. They have failed to respond to the attached letter and sent a template reply without any additional information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l.
State: MN

Complaint narrative:
I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.

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 2018-03-16 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: NJ

Complaint narrative:
I received an alert through XXXX on XXXX that my account had dipped by 15 points. Upon investigation, it was saying that I was 60 days late on all accounts. I called Equifax on XXXX and submitted a dispute. The rep conceded that it was Equifax error. That I wasn't 60 days late on any account and advised me to have my creditors update it. She said she could not fix it. However, even though the information was incorrect and it was their system error, which they admitted. I have not received the 15 pts back. In addition, the did another update after that which reported incorrect information making it appear as though I raised an account by {$2000.00}, that dropped my account another 13 points. I disputed that. The information was corrected but I never got the 13 points back. That's a total of 28 point in the span of a month while I am trying to buy a house. Their negligence is impacting my ability to secure a loan and the interest rate which I am being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead XXXX investigated 3 of my accounts ( re : report # XXXX ). 
Experian ( report # XXXX ) did something very similar to XXXX. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the 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
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
They have incorrect information on our transaction history for XX/XX/XXXX and XX/XX/XXXXr ofXX/XX/XXXX. We have repeatedly sent them proof of on time payments. They will not fix this issue. It has prevented us from obtaining a new home loan. We have sold the home that had this loan. We are currently in a Chapter XXXX. We had courts permission to sell that home. We have courts permission to obtain new debt. We cant be cause of their unwillingness to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: MO

Complaint narrative:
Did not handle our situation today XX/XX/2018! My husband and I went into XXXX to get his free credit report. When we got to Experian and got the credit report on our computer, we couldn't read the report, and it wouldn't let us download the copy of the report. You could only print it, and there were too many pages to print. Our ink was already low! We went to one dispute item to select the reason, and tried to attach a document to the item and the site told us to go back to XXXX to start over again due to our time expired! We already didn't like the items they had on our credit report, and for us to go back to the beginning in order for them to charge us for our free credit report is totally insane! We didn't get to obtain the report number so we could go in the website to look at our report! We should track the credit bureaus! It may not always be the reporting companies! We don't want to have to pay for our free annual report! This is just crazy!

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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cohen & Associates
State: IL

Complaint narrative:
the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for Cohen and assoc XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC
State: NV

Complaint narrative:
To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I applied for the chase XXXX credit card and was instantly approved. I immediately paid for my honeymoon deposit, {$1500.00}, using the card in order to receive the XXXX miles associated with purchases on the card in the first 3 months. The next day I went to pay the card off, I called chase to inquire if I could link my savings account to my card which they told me was completely fine ( I did not want to use one of my monthly transfers to transfer the funds into my checking account ). A week later the payment was reversed even though the funds were in my savings account. I called chase again and they told me that the last representative who told me I could pay using a savings account was incorrect and that I could only pay using a checking account. I transferred the funds into my checking account and went to link my checking account to my chase card and it said it could not link the account -- A represented told me I had to put two zeros in front of my account number to link it, which I did and it linked. The payment was reversed again. I called chase a third time and was told the last two people I had spoke to had misled me. I can not pay with a savings nor should I have put two zeros in front of my account-she paid the charge for me over the phone and in a few days it was posted and the {$1500.00} payment was made. I then find out chase closed my account because of these reversed funds. I never received a letter ( although they claim they sent me one but they should have sent it certified mail because I did not receive it ), they never emailed me, or called me explaining my account had been closed. I do not use my credit card often, mainly just for large purchases I can pay off immediately, so a few weeks later I tried to use the card and it was declined. I called chase they told me they had closed my account and they will not reopen it because it had been 30 days since they closed it. Not only did I never receive notice that they closed my account ( if I had received a letter I would have called them immediately ) I also had already paid the $ XXXX   yearly fee in order to have the card that I ultimately only had for 4 weeks. They have not refunded my {$70.00} fee and still refuse to reopen my account because of the 30-day limit. I acted on the advice of chase representatives and it ultimately caused my account to be closed. I have great credit, have never missed a payment on any credit card, and always had the funds available in my account. I would like my {$70.00} reimbursed or my card immediately reopened. I would also advise chase to provide new training to its representatives and to always send account closure letters via certified mail and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX  requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.

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 2018-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted citi bank after XXXX XXXX for a forbearance on our VA loan to recover from the storm. There was a lot of misinformation and one Rep would say I was in a disaster area another would say no when we clearly were ( XXXX ) the eye of the storm passed right over my county. I was finally put in touch with a manager named XXXX XXXX that assured me I was approved for a five month forbearance and an automatic loan modification after, which he said would be done well before XX/XX/XXXX when my first payment is due. I emailed him XX/XX/XXXX and his email address was no longer working and I have a new case worker who was clueless on anything Id been promised and told me I can apply for the modification but theres no guarantee and it takes at least 30 days. He never mentioned the barage of delinquency and scary letters I was about to get while he is I assume requesting a loan modification. 
I started getting threatening letters that I could lose my house because of the delinquency. I should never have been delinquent if citi had kept their word. I have emails to support my claim of what I was told. I am very concerned about my good credit and my home. I read that VA loans after a disaster should receive a loan mod according to circular XXXX. I ask my new case worker about this and lots of other things via email but I just get form emails back that never answer my questions. Even when I asked a question about the modifucation paperwork I had to fill out he just ignored me. When I call they wont let me pay XXXX because theres a bigger balance due. When I try to pay online it locks out the payment option. I hope you can help 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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted an application for a XXXX XXXX through Synchrony Bank on XX/XX/2018, application reference number : XXXX. I was instructed by Synchrony Bank to wait XXXX business days for a letter in the mail with the results of their decision, it is now XX/XX/2018 I have not received such letter. I have made 3 additional attempts dating XX/XX/2018, XX/XX/2018, and on XX/XX/2018 requesting for this letter to be re-sent with no success. According to the FTC, a consumer must receive an " adverse action '' notice in writing explaining why the credit application was denied based on consumer report. I strongly believe that Synchrony Bank is in NON-COMPLIANCE with FCRA Rules and have failed to provide an adverse action letter.

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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial
State: IL

Complaint narrative:
the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation