vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We applied for a renewal of a {$500000.00} HELOC on our home valued at more than {$2.00} XXXX two months ago with JPMorgan Chase. Our previous HELOC had been partially drawn down and fully paid off before the balloon payment date and expiration which occurred in XX/XX/2018. In the meantime, we have fully paid off our mortgage on our home, so this new HELOC would be in first position. 
Chase responded by saying they could offer us a HELOC only in the neighborhood of {$260000.00} -- and told us that they were " not a collateral lender ''. Basically, in form, in seemed as though they treated our application as an unsecured loan, based only on their conservative estimates of our cash flow, assuming we had no access to any of our other cash or investment assets. For them to call the product they were offering a HELOC was a complete misrepresentation. 

We received a letter dated XX/XX/2018 rejecting our application, giving the reason that it was based in whole or part on our credit rating. We have written an objection letter, based on several reasons in form and substance -- not the least of which is that being rejected by a long-term creditor can only have a negative effect on our credit rating and credit history. Facts of our financial situation include : -- Husband 's credit score XXXX ; Wife 's XXXX on XXXX ; range 320 to 844. 
-- Our mortgage is paid off, so this HELOC would be in first position. 
-- We have had a second position {$500000.00} HELOC with Chase for over 15 years. We have borrowed against this amount and completely paid off the balance, prior to reaching the balloon payment date. Our payment history has been stellar. 
-- We both have pensions ; once husband retires our pension and Social Security income will surpass {$13000.00} per month. 
-- We have paid off our credit cards in full every month for the last 30 years, with very few exceptions. We own our vehicles outright-no loans -- We have over {$500000.00} in stocks and cash ( {$140000.00} deposited with Chase ).

-- Husband is still working and has earned over {$100000.00} so far in 2018. 
-- We own a rental property valued at over {$1.00} XXXX with a mortgage of {$350000.00} and a stable ten-year tenant. Chase did not count additional rental income to that property of {$1200.00} per month from garage tenant, as amounts were paid via bank transfer not checks. 

In addition, Chase responded irrationally to an appraisal which came in HIGHER than expectedby lowering the amount offered as a HELOC maximum, stating that the higher taxes would be a further drain on our cash flow. But, since we are in CA, Prop 13 prevents our taxes from being raised more than a few percent per yearunrelated to property values.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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 2018-08-21 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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
Consumer complaint received 2018-08-21 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: TX

Complaint narrative:
On XX/XX/2018 Experian reported my account as enrolled on a consumer credit counseling service. That action prevented my 19-year-old bank, XXXX XXXXXXXX XXXX from extending a loan for a new vehicle. XXXX XXXX  XXXX had 3 of  my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX XXXX. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the XXXX XXXX  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 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Repeated telephone calls from Transworld regarding an alleged medical debt that I never had notice if and told them did not think it was mine. When they asked for personal information, I told them that I was concerned the call was a scam. The woman said she would note that I refused to provide information. They would not verify any details about the debt even after I provided them with my full name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: ERC
State: IL

Complaint narrative:
Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Phone number XXXX ( XXXX XXXX XXXX ) made following calls even though my number is registered in the 'do not call ' registry since XX/XX/XXXX. 3 of the 4 were robo calls and on one, a person asked to speak to XXXX. I informed the person that there was no XXXX. The robo calls started leaving voice messages stating that they had information related to 'my case '. I called the number and asked for them to remove the number from their list. They refused because I would not give them my name. 

Date Time Destination Number Call type Minutes XX/XX/XXXX XXXXXXXX XXXX XXXX 2 XX/XX/XXXX XXXX XXXX XXXX 1 XX/XX/XXXX XXXX XXXX  XXXX 1 XX/XX/XXXX XXXX XXXX INCOMING XXXX Off Peak 1

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Hi there, I am in a series problem with a lender company, who has finance charged me {$7000.00} for only {$2000.00} for one year title loan ( more than 350 % finance charge a year ) my family and my XXXX children are struggling due to this loan, they have sent a two truck to pick up my car due 27 days late payment, but the our contract says if I miss the payment over 30 days, on that case they can tow my car, they gave my wife almost a XXXX XXXX, please investigate this company, I have a lot to say here for this matter, but i am concern about my privacy, please contact me for more information and rescues me from brutal people. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting me as late but my payment has been made and credited to my account.They are still showing me as owing over the credit limit but my bill is current.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company is reporting me as late but my payment has been made and credited to my account.They are still showing me as owing over the credit limit but my bill is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This case was closed by CFPB and it has not been resolved XXXX. 

Wells Fargo has put a provisional credit on this account. They have not given an explanation to me why it is taking them since XX/XX/2018 to fully resolve this. They are still looking into it. 


This case needs to stay open until an explanation is given. 

Also I still feel that I need to be compensated for all my time that has been put into solving this problem. Long wait times on phone ... Long wait times sitting in the branch. People at the ATM division that can not seem to fix a simple problem. 

XXXX 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 monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny 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 2018-08-21 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: MO

Complaint narrative:
I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I got a " Credit Card '' from American Express last year ( 2017 ). 

I made an error in getting this " Credit Card '' because it was not a common Credit Card ; they required you to pay 100 % at the end of each month. So I decided to cancelled it. 

Before cancelling the " Credit Card '' I made the following payments : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} Last days of XXXX, I called AMEX to please charge the FULL amount I owed at that time, and cancel the Credit Card. Because I only had it for 5 months ( or so ), they delete the annual subscription fee ( {$400.00} ) and told me that the amount due was {$2000.00}. So they did charge 100 % of the amount due on XX/XX/XXXX to my bank account. 

Since XX/XX/XXXX, I didn't have AMEX anymore, an nothing owning them neither. 

BUT, on XXXX I identified a late payment on my credit score from AMEX ... Called to see WHY and HOW, could I have a debt with them if I already called in XXXX and PAID 100 % and cancelled the credit card. 

They told me was an AMEX error, and deleted the late payment fees but anyway charged me {$120.00} -telling me that NOW I didn't owe nothing. 

BUT ( 2 ) ... In XXXX, again it appeared a late payment on my credit score, so I called back again.. they said I had 2 late payment fees, but was an error from AMEX.. so they delete those " late payments '' again.. 

The problem today, is that since XXXX that I told them to charge 100 % and cancel my credit card, they have been nice to delete those " invented fees '' but they say, that they are not able to delete that from my Credit Score I would appreciate you listen the calls and take action, because it's not fair to have " late payments '' for the las 4 months on my credit score because of their error. 

I appreciate your time. 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 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: DISCOVER BANK
State: CA

Complaint narrative:
I am asking for clarification on the Fair Credit Billing Act and why Discover believes it is immune from this law. 

Per Section 161 ( 3 ) ( B ), the creditor shall complete a dispute request no later than " two complete billing cycles. '' I filed two disputes for charges related to non-received merchandise on XX/XX/18. Since then, two full billing cycles have passed, but there is no resolution on the matter. 

Discover 's current/most recent " Bill of Rights '' does not address the " two billing cycles '' mandate in regards to dispute resolution : https : //www.discover.com/credit-cards/help-center/assets/BillingRights.pdf Per the FTC 's website : https : //www.consumer.ftc.gov/XXXX " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 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: CORELOGIC INC
State: TX

Complaint narrative:
my credit is dinged without giving permission

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 2018-08-21 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: MO

Complaint narrative:
I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not 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 explanation
Consumer complaint received 2018-08-21 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: MO

Complaint narrative:
I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off 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 2018-08-21 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: MO

Complaint narrative:
I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off 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