vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In response to the case XXXX, my question was not addressed at all. I received the remaining balance a day after I filed the complaint. I was not questioning why the bank holds my fund, I had the deposit agreement and I totally understand. I did all I can to accompany the bank 's request ( went to branch 1st even it's not necessary, went to the branch with POA 2nd time.

1. 1st representative misled me to go to the branch during the pandemic even the POA can be verified over the phone first. 

2. After I went to the branch with the POA. I made a follow-up call, the representative repeatedly told me I need to go to the branch with the POA again and again, even though I told her so many times I already did. Then the supervisor said the banker at Chase didn't call them but I was personally there seeing the banker make the phone call and scan the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In the process of getting a refinance I was told that the company Midland Credit Management had a lien on my property for an account they purchased in 2007. I have seen the information and it does not apply to me. I am being asked to provide information such as a police report and to contact the issuer of the credit in question. Both of these items are impossible as I am not able to file a police report retroactively and the company that Midland says they purchased the debt from, has no record of my account number or that I even had credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX I was asked about my email, I then confirmed it after that I got an email saying with a pin that they said they needed to access my account after giving it to them I then got an email saying my password had been changed. After getting into my student account they had access to all of my information when they then verified all of my information with me. They then had me set up payment plans and got my debt card number. They then set up a payment for today of $ XXXX.They sent me emails of things to sign I did and then I got another email about forwarding my last two pay stubs to them to show my income to determine my average on what my loan payment would be. I sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692. 
I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure in which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I was in forbearance due to COVID-19 with MyLoanCare for my mortgage and anticipated exiting in XX/XX/2020. I set up a payment arrangement for my payment plan to get caught up and made a {$2000.00} payment at that time. I was told that I would receive a packet in the mail that needed to be signed. I never received a pack but called and made another payment manually. They said they would send out another packet to enter the plan. Again, I never received the packet. Since then I have called and e-mailed multiple times about my plan and have tried to make a payment, but have been unsuccessful. I finally received a letter today saying that they were going to start foreclosure proceedings. I called and was able to speak to a representative, however, they have no record of my repayment plan or payments and said that they reported me to the credit agencies ( the agent was " XXXX '' # XXXX XXXX. I am fully prepared to pay a large portion of what I owe. I just need to be able to make a payment! Please help!

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 2021-04-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I applied for a mortgage refinance on XX/XX/XXXX with Quicken/Rocket Mortgage. Rate was locked at 2.75 % with XXXX points which was going to cost {$7300.00}. Rate lock was for 60 days ( expired on XX/XX/XXXX ) given I had a HELOC which was going to require a subordination agreement between my HELOC lender ( XXXX XXXX ) and Rocket. I submitted all requested documentation in more than a timely manner ( usually same or next day ). The loan was conditionally approved on XX/XX/XXXX. Appraisal was received back on XX/XX/XXXX. My HELOC lender said Rocket was waiting on title work as of XX/XX/XXXX and hadn't yet done anything related to the subordination. Per emails with my HELOC lender, they did not receive a subordination package from Rocket until XX/XX/XXXX, which was four days after my initial rate lock expiration date. I had to become involved on several occasions to ensure the rate lock was extended. Rate lock got extended to XX/XX/XXXX and again to XX/XX/XXXX. I was constantly checking in with Rocket as the process was moving horrendously slow, through no fault of mine or XXXX XXXX 's. I checked in with Rocket on XX/XX/XXXX, prior to the rate lock expiration, and the originator told me " the underwriters will handle the situation so it is taken care of ''. Well, Rocket did not extend the rate lock and I inquired about it on XX/XX/XXXX. The originator said " we will be able to take care of this for you when the underwriters have completed the necessary steps on their end. No need to worry it will be taken care of ''. The originator also told me on XX/XX/XXXX that " yes ... we extended the rate for you ''. Come to find out, this did not happen, and XXXX XXXX  to re-lock the rate in a new higher rate environment. The new re-disclosure dated XX/XX/XXXX has me locked at 2.75 % - with XXXX points. Which costs an astonishing {$27000.00} - almost {$20000.00} over my initial disclosure. I have additional email records with dates, and I have message transcripts exchanged with the Rocket originator. Rocket moved horrendously slow on this refinance. I expect them to honor the original rate and points as they are the sole cause for this taking > 90 days to close. I have not closed as of today as Rocket 's Executive Solution Consultant said the best they could do was offer 2.75 % with XXXX points, which, I believe, amounted to a difference of $ XXXX {$9000.00} over what I was originally quoted at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company is very abusive. They will not try to take a {$20.00} payment when they know you have Covid and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
This a new complaint about the following complaint XXXX. On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk to me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus. I believe Love , Beal & Nixon , P.C . is being dishonest and withholding information or documentation. Also, I believe the law for violating federal law by harassing and contacting the consumer. The law firm stated that they checked and my private student loan was not discharged in my chapter XXXX bankruptcy? What did they check?

Company 's Response : Love , Beal & Nixon , P.C . ( LBN ) represents XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware Statutory Trust in a civil action filed against XXXX XXXX XXXX on a defaulted student loan obligation. LBN acknowledges the bankruptcy filing by XXXX XXXX XXXX. However, LBN has confirmed there was no adversary action filed within the bankruptcy proceeding. As a result, the student loan obligation has not been discharged by the bankruptcy proceeding and our client has given us authorization to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IN

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX CXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has kept me from accessing my money even after waiting for 180 days. I have provided all the documents I had like they asked and they promised that I would be able to withdraw the funds after the 180 days, but they still block the funds. I try to call, they don't pick up, I message them, they don't answer. I need the money real bad! Please Help me. I've been trying to resolve this issue since XX/XX/2020. 
My Paypal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Mortgage Solutions
State: TX

Complaint narrative:
I have been in process of refinancing my mortgage with First Mortgage Direct, LLC. which had been impacted to the winter storms that had hit XXXX in XX/XX/XXXX. I was told an appraisal was needed for my home and even more so due to the XXXX that hit the state. I began the application process on XX/XX/XXXX and was approved for a 2.625 % rate on a 30 year refinance mortgage with no points. Due to the XXXX and being without power I was delayed in correspondence but it appeared there was a delay with appraisal companies getting assigned to my file due to the storm and demand. I was told my initial lock was set to expire on XX/XX/XXXX but would be extended as needed due to the appraisal delay/XXXX XXXX. I made a {$510.00} payment for the first appraisal company ( XXXX ) on XX/XX/XXXX and after waiting weeks i was told that we would be changing appraisal companies to get this scheduled sooner. I then paid {$570.00} to XXXX on XX/XX/XXXX to get the appraisal done by them. On XX/XX/XXXX I was told that a new " investor '' was willing to take my loan without an appraisal but would require some payment of points of {$510.00} ( suspiciously close to the first appraisal payment ) but I was okay with that at the time. I informed the lender that I was going to be out of town XXXX and the lender then said they would figure out a closing date on XX/XX/XXXX. Today ( XXXX ), I was informed that I would have to do my refinance transaction while I am out of state or face rate lock extension charges. I was told the lender I am not agreeing to this as I have done everything asked of me in a timely manner. I have already fronted an appraisal charge 2 times and provided all documentation. It is not reasonable or ethically right to force someone to close on a refinance on their primary home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
SINCE XXXX, XXXX XXXX INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XXXX 2019 AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Re : Equifax In XX/XX/XXXX, I filed a Dispute with Equifax ( online ) through myEquifax account for a collection item placed from Debt Collector, XXXX XXXX XXXX ( herein referred to as XXXX ( see CFPB Complaint No : XXXX ). 

Original Debt of this case with XXXX XXXX was dismissed in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Then, XXXX XXXX sold the Debt fraudulently to XXXX. On XX/XX/XXXX, I logged into myEquifax account to update my dispute by attaching the Notice of Dismissal. I notice right away there were several items wrong. I am a homeowner yet, my credit report summary reflects I have no Mortgage. In reviewing the tab collections XXXX does not show therefore, I can not dispute, update my dispute nor, submit my evidence. I went to the feature Disputes and nothing is showing? I called Equifax. I was connected to an Agent that could barely speak english. I tried to explain all that I had found wrong but, she was not understanding me, instead, kept repeating the same information that did not pertain to the issue of : Equifax online for my account is wrong, contains errors that is hurting my credit and I would like to speak with a Supervisor. The Agent kept arguing with me. Telling me I can just mail in the documents. I advised that I was not going to just mail in legal documents and, give her a statement while she enters my statement over the phone. It took five times of me asking for a supervisor before the Agent said Ill see if we have one, but I dont know Two hours and thirteen minutes later since I placed my call, I was speaking with a Supervisor. Another Agent that barely spoke english. I explained three times what the problems were but she was not comprehending the issue of : If Equifaxs online system is not properly working, I am unable to rightfully file a Dispute to fix my credit. Equifax has hendered me in my endeavor to fix my credit because I filed a dispute yet, they have no record of it. Equifax has failed in their duty to serve consumers in the capacity under the law in which credit practices state and that she was to delete my Account and all my personal information immediately and I would be filing a complaint against Equifax. 
Her response was, okay. She deleted my account and sent me a confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NC

Complaint narrative:
I have two issues to deal with I hope you can help me with. The first one is with XXXX XXXX XXXX. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report.

My second one is with lexisnexis. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank lowered credit limit 1 day after a payment posted that was over the minimum. After having the account for 12 years. They have stated it was inquiries in 12 years I have bought XXXX cars XXXX house moved a few times have other cards and had new accounts. The credit score has stayed in the same range. I have attempted to contact Citibank and have gotten no response. When asking for management they give me a Po Box . Citibank was waiting like a lion to prance on its prey as soon as I made a payment. I used to tool on the site that shows how to reduce the debt on the card. Also when it bills now I will be over the credit limit due to the reduction after I have made the payment so they are trying with intent to lower the credit score more.

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