vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in   XXXX  , this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

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 2017-05-11 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: ACS Education Services
State: TX

Complaint narrative:
We were going to pay off our student loan, but discovered the allocation of interest vs. principle was way off, very inconsistent. It seems we have already paid more interest in 7 years than we should have in the life of the 12.1 year loan. Some months they put  XXXX  to principle and our entire payment to interest. Even the statement shows we paid over 7K in principle, yet our balance has only gone down by 2K?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi my name is  XXXX   XXXX . I found some new information regarding my home and foreclosure process. In the  XXXX   Count  y Recorders Office I   noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on  XXXX   XXXX ,  XXXX  Book  XXXX  Page  XXXX . I dont know how Nationstar Mortgage , LLC  and  XXXX   XXXX , a  Law Corporation is   trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of  Default but put the property on sale without Notice of Default ?   I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for  XXXX / XXXX / XXXX  after checking some online auction sites they say my sale is active foreclosure. Im worried that Nationstar Mortgage, LLC my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners  Bill of Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I issued a check #  XXXX  in the sum of {$900.00} from my checking account with Chase Bank, Acct No.  XXXX .   On  XXXX   XXXX ,   XXXX  , I contacted Chase Bank by phone to inquire if I could stop payment on that check. I was told that the check was still pending and that I could place a stop payment which I did. A fee in the sum of {$30.00} was charged and deducted from my account. I was advised that the check would not be paid for one year and would need to be renewed thereafter.   On  XXXX   XXXX ,   XXXX  , I visited the Chase Bank  Branch l ocated at  XXXX   XXXX   XXXX  in  XXXX , NJ, and requested proof that payment of aforementioned check was stooped. I was assured that stop payment transaction was in effect, and was given a printed statement confirming that.  Two hour s latter, I visited the branch again and was assured again that check #  XXXX  would not be paid. The account statement of  XXXX   XXXX ,  XXXX , and a receipt of the same day indicating the balance of my account are attached herewith.   On  XXXX   XXXX ,   XXXX  , I found out that check  XXXX  on which a stop payment was issued on  XXXX   XXXX ,   XXXX  , was paid on  XXXX   XXXX    XXXX  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month.   The calculation is fro m  XX/XX/XXXX  through  XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The  payments are shown to be as follows  :  XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX  As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are  XXXX  per year and not the more t han 20,000 that t hey are claiming.     Even if, as they have done, paid the second quarter of  XX/XX/XXXX  late ( in  XX/XX/XXXX   )  and the second quarter of  XX/XX/XXXX  early ( in  XX/XX/XXXX   ),  it would only b e 5 payment s and not the  6 th at they are claiming.   Attached my tax statement showing that I am paid up through the second quarter of  XX/XX/XXXX  with o nly 5 payments, not 6 as has been claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please 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 2017-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
My loaned was transferred  XXXX   XXXX ,  XXXX  from the original lender. On  XXXX   XXXX ,  XXXX  I went down to the dealership after receiving calls of late payments. I showed them paperwork showing the last car payment was  XXXX   XXXX ,  XXXX . More calls later, I went to the dealership on  XXXX   XXXX . I showed the lady my contract, she agreed with me that the vehicle should be paid off. She called the current lender to explain my side. They said they would get back to me. They called wanting more payments equaling {$900.00}. The last day for payment would be  XXXX   XXXX .     The original lender is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO. The loan transferred  to American Credit Acceptance   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Approxima tely 2-3 y ears ago, I was experiencing financial hardship. I defaulted on my private student loans with Navient. I stopped paying because I could not afford to. When I was ready to start paying again, I contacte d Navient in a n effort to set right my wrong. This was appr ox. 1 and ha lf to 2 years ago now. I asked what do I need to pay today to set my accounts current and get out of default? They quoted my a very large number, I remember it was greater than {$3000.00}, but I do not know for sure as it was so long ago. I did not have this amount of money. I explained my situation and asked for more options, however none were given. The one option they gave me was to start paying my loans through a company called  XXXX   XXXX .  XXXX   XXXX  is a debt collector Navient uses to collect debt. I then contacted  XXXX   XXXX  as was told to me to do by Navient. They placed me into a low monthly payment, low-interest repayment plan for struggling borrowers. So for about 2 years now, I have been paying  XXXX   XXXX  {$120.00} per month, which is automatically taken from my account each month through direct deposit. I was under the assumption that everything is fine and that my monthly payments took me out of default and that my payments were being applied to my principal balance. Today,  XXXX   XXXX ,  2017 , I was checking my credit report on  XXXX , as I am attempting to rebuild my life and credit. I notice that for almost two yea rs Navient ha s been reporting to the credit bureaus that I am not paying each month. Each month shows a red box marked " no pay ''. I was shocked by this, since I was under the assumption that I had been out of default with Navient for a long time. I called Navient on  XXXX / XXXX /   2017  and spoke to three different people all claiming that there is nothing to be done, and that if I wanted them to stop reporting me to the credit bureau that I need to pay the entire balance of {$21000.00}. I reminded them that I am trying to fix my credit and I am paying them each month through the only option they gave me, and they simply refused to detract the " no pays '' to the credit bureaus. I am at a loss and not sure where to go from here. I am not perfect and have made mistakes, but this practice does not sound lawful to me. Please let me know what I need to do to fight this. How can someone like me, a single mother, with no assets, and no help, ever get ahead when companies like this make it almost impossible? Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their error.

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 2017-05-11 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:
I mailed a Multiple  Inquiry Removal Letter  on  XXXX   XXXX ,   XXXX   by certified mail to Equifax in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They responded with a letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response so quickly after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home soon and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: GA

Complaint narrative:
XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON   XXXX  O F 2017 AND  SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY :  PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  and  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