vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 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: CA

Complaint narrative:
I banked with Chase bank for years. I am a recent college graduate and I applied for a new line of credit this year with Chase. I needed this credit because I was moving from XXXX XXXX, XXXX to XXXX XXXX, XXXX I applied for the credit within a week of moving to XXXX XXXX and they gave me a limit of {$18000.00}. I missed a payment the last month because I was looking for a job but I have since been employed. I always pay my minimums except for this last time because I made a big move across the county to start a new life in a place with greater opportunity. I have every intention of paying off my credit, but I should be given the chance. I was given $ XXXX one month and the next month the accounts were closed. Why can I get a $ XXXX loan from the government to pay for higher education, which statistically speaking only 27 % of college graduates even use, ( https : XXXXXXXX XXXX XXXX XXXX ) but the second I try to get a loan to invest in myself and my dreams it gets shut down?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: LA

Complaint narrative:
I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXXXXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
XXXX - States they verified as good, not deleted. 
Experian - States they verified as good, not deleted. 

I am requesting that both Experian and XXXX delete this fraudulent debt collection from my credit profile for the following reason ; Both XXXX and Experian did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for Experian and XXXX to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; Experian Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: TX

Complaint narrative:
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( Equifax : XXXX UNKNOWN Equifax : XXXX XXXX, XXXX XXXX XXXX ( Equifax : XXXX : XXXX, XXXX XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX ( Equifax : XXXX XXXX : XXXX : XXXX. I requesting the above accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: MD

Complaint narrative:
While using XXXX XXXX I was told several times my credit report would not receive a negative his as I was working with XXXX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, XXXX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point XXXX still kept the account closed and did not remove the negative credit hits on my 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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
As of XX/XX/2018, I have sent letters dated XX/XX/XXXX and XX/XX/XXXX to Capital One as inquiry to old credit card debt with an offer to settle the old debt if they could prove I was the original debtor. 

To date, Capital One has only sent letters reporting charge off and last payment information for the old credit card accounts. 

I contend that Capital One is " re-aging '' my old credit card debt with intent to continually harm my credit. 

Capital One has not responded with acceptance or denial to settle debts that are being reported to the credit bureaus against me. 

In XX/XX/2018, I sent letters via certified mail to credit reporting agencies known as XXXX ( confirmed receipt XX/XX/XXXX ) ; XXXX ( confirmed receipt XX/XX/XXXX ) ; and XXXX ( confirmed receipt XX/XX/XXXX ) as disputes to Capital One and to request proof of original instruments of indebtedness. To date, the credit bureaus nor Capital One has sent copies as proof for the original instruments of indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution. 

It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am submitting a complaint regarding Santander Consumer USA and their predatory business practices. 

On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}. 

After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}. 

Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX. 

While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged. 

I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate. 

I was told " No ''. 

Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts. 

I must have a car to drive to earn a living. 

The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments. 

If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option. 

I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion. 

Sincerely, ( Name not included as per website instructions )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NY

Complaint narrative:
hi I was unable to understand how this could be a true relivance in my life at the moment never could anything llike this could be so relivent I paid the entire balliance off and surpassed the time frame in which I would be an individual whome could of been burdend by any suspicion im un aware of the way this came about.

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 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, I received a Social Security Direct Deposit into Wells Fargo Bank. Wells Fargo Bank immediately took {$530.00} from my Social Security deposit, leaving me {$160.00} to live on for the month of XXXX. I did not receive any Notice from this bank that this money from my Social Security check ( Direct Deposit ) was going to be " garnished ''. This Direct Deposit has been in effect for 8 years with Wells Fargo Bank. There was a few " undisputed '' fraudulent charges on my account at this time. My Social Security money, Direct Deposit was posted onto my account at XXXX XXXX, XX/XX/2018 and the {$530.00} was taken from my account in 1 minute. This is my only source of income. I starting getting Social Security XXXX at approximately at age XXXX years old ; due to a depilating " accidental XXXX '', leaving me with multiple XXXX XXXX causing permanent physical damage. It is my understanding that there are specific laws that protect one 's Social Security money, as the only source of income, from being " garnished ''. I would like to move forward with this issue as quickly as possible since this loss of one month 's income has impacted my quality of life substantially. Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account with Capital one and in XXXX I paid off the balance of {$91.00} payment was due XX/XX/2018 and apparently it posted to account 1 day late XX/XX/2018. 
i was incurred a late fee XXXX plus interest which I did not realize and because there was a balance there was a payment due in XXXX plus a another late fee of XXXX.plus interest balance increased and there was a payment due in XXXX plus another XXXX plus interest. Additionally they also added a member fee of {$39.00} so now that total balance went up to {$120.00} I called to find out if this can all be clarified and taken care of after speaking to 3 different people I was told there is nothing that they can do to help me. 
I was also informed that they are on XXXX  time and they have a early cut off so even if you are paying the payment on day it's due if you pay after a certain time its considered late. I was not aware of this process and explained to Capital one rep that I did not know this. Despite this fact I am being forced to pay all these fees. 
on top of it they reported me to credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 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: AL

Complaint narrative:
I Submitted a dispute with XXXX XXXX XXXX for unauthorized credit inquiry from XX/XX/XXXX. I received a response from XXXX  XXXX XXXX, it would be removed no later than XX/XX/XXXX as they submitted it to Equifax to remove. Equifax refuses to remove from my credit report and refuses to help me resolve this. 
case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Theykeep calling my employment every single day, my boss is advising me that they can't call here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We had a loss of income in XXXX and tried to get a loan modification from XXXX XXXX loans. During the modification process the investor ( XXXX  XXXX  ) sold the loan to XXXX  XXXX XXXX for servicing. We then started the modification process with them. In XXXX XXXX loan was identified and flagged as part of Department of Justice settlement with XXXX  XXXX XXXX at a XXXX event. We continued the to submit documentation. While in waiting for settlement documentation from the Department of Justice. On XX/XX/XXXX XXXX  XXXX XXXX notified us that Select Portfolio Servicing was now Servicing the note. XXXX XXXX moved our loan again. Sps stated they did not have to honor the Department of Justice settlement or work with XXXX. Started modification with SPS. They began foreclosure process under XXXX  XXXX XXXX on documents with SPS lawyers. Stating they did not have to refile.we now have submitted rma documents for a modification on XX/XX/XXXX since making homes affordable no longer exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion  : XXXX ), XXXX  XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX T ransunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Trans union : XXXX, XXXX XXXX XXXX TX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX ( XXXX : XXXX XXXX  : XXXXTransunion : XXXX. I requesting the above accounts be removed from 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX  XXXX  ( XXXX : XXXXExperian : XXXX, XXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX  XXXX  ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX  XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX XXXX : XXXX, XXXX   XXXX  XXXX TX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  ( XXXX  : XXXX Experian : XXXX : XXXX. I requesting the above accounts be removed from 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My name is XXXX XXXX, and I have many issues with Freedom Mortgage Company, but I will name 2 of the most recent, they are increased my mortgage payment without my knowledge, and second they do not want to remove mortgage insurance while my loan to value of the mortgage to 78 % or less ; my property almost double in value, on top of that Freedom Mortgage charges me {$10.00} every time to take my payment Please help me because Freedom Mortgage robbing me alive.

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 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I went to school at XXXX XXXX and graduated with a XXXX degree in 2008. No one in town would give me a job based on this degree and I was laughed out of most job interviews. I landed a low level XXXX  job paying less than XXXX a year and was expected to pay Sallie Mae {$600.00} a month. Needless to say I defaulted on my loans. Fast forward to today, I am getting harassed by debt collectors who have my accounts that have grown from $ XXXX ( for an XXXX XXXX ) to nearly $ XXXX. 
The course material taught at XXXX was years behind and to this day has not helped me in my professional career. I do not work in that field of study and feel that the school lead me into an unpayable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: CITIBANK, N.A.
State: KS

Complaint narrative:
I received an offer in the mail from CIti Bank promoting a zero percent interest rate on balance transfers for 14 months. The offer stated to apply by phone or go online. I went online and applied and was immediately accepted. When I received the card the information included showed 24.78 % interest on balance transfers. I contacted the company immediately and was disconnected after talking to one individual, called again and the rep was difficult to understand and when I asked to speak to a supervisor I was told that they would tell me the same thing that I did not have 0 % interest. He said he would send a ticket and I would receive a response in 3-5 business days. A week later I called to ask a status and was told would take up to two weeks to receive a response and they were working on it. I advised the rep that they should know what campaigns were mailed and this was ridiculous and very misleading. I need someone to research this issue and advise why Citi can bait and switch consumers.

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