vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Sps loan servicing states they are holding the lien for a defaulted loan over XXXX years old XXXX XXXX XXXX that filed federal bankruptcy in XX/XX/2006 placed a lien on deed in XXXX county clerk of courts in XXXX county florida.the title company used for filing the deed documentation in court was closed about a month after filing the lien XXXX XXXX and abstract the owner was arrested for fraud I don't know if this was valid from the begining or it was written off in bankruptcy court or written off as a bad debt to the IRS sps loan servicing will not disclose any information previous request for validation of debt wet ink sps transaction history fee history corporate advance history transfer from XXXX XXXX XXXX detail transaction history denide by sps loan servicing something is not right with this I believe possible fraudulent practicing please get to the bottom of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is charging me XXXX a month in interest. I have asked for a COVID forbearance and they increased my loan interest from 4 % to 8.25 %. It consolidated my Stafford loan into a private loan. None on my loans qualified for 0 % interest. It is unwilling give a a student loan forgiveness, even though I XXXX  in XXXX  XXXX. When I have asked for help, they raise my payments. I have been making payments since XXXX  and I believe some of the loans were almost paid off until they consolidated them into bigger loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CO

Complaint narrative:
In XX/XX/XXXX, XXXX fraudulent transactions from XXXX in the amount of {$140.00} were placed on my Chase United Mileage Plus Credit Card. I filed disputes for both charges and I received a credit for {$140.00} on XX/XX/XXXX for one of the fraudulent charges and the second charge never posted to my account. 

On my XX/XX/XXXX credit card statement an online adjustment in the amount of {$140.00} for XXXX was added to my credit card statement with a date of XX/XX/XXXX. 

I tried multiple ways to contact Chase for a resolution on numerous dates throughout XXXX and XXXX. I called Chase Fraud Services, secure messaged through Chase.com, and reached out to @ ChaseSupport on XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On the numerous phone calls, Chase was unable to tell my why the charge was added back to my account and they were not able to remove the charge from my billing statement. They stated the adjustment department needed to remove the charge and they were currently closed due to Covid restrictions. They recommended I call back at a later time or secure message on Chase.com for further help. 

I secure messaged Chase 's help department through their website on Chase.com. I've sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response other than they have received my message. 

On XXXX, they reviewed my case but were unable to provide any details as it is not a secure channel. 

Meanwhile my credit card bill was due and I was forced to pay for this fraudulent charge. I've tried a number of times to reach Chase for the charge to be reversed and I was unable to even obtain an explanation of why this fraudulent charge was added back to my billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I currently have a student loan with XXXX XXXX which is in deferment. Transunion shows me having a missed payment for XXXX as well as an increase in the amount which is outstanding on my loan. 1st ( first ), per the government as well as President Trump ALL payments for outstanding student loans did not have to be paid until XX/XX/2020. I contacted XXXX XXXX and they stated nothing was reported from them. When I contacted Transunion they acted as if they could not see the change. Then the representative acted as if they could not understand English and stated he's in the XXXX. When I asked for a manager I was placed on hold for 2 and 1/2 hours without the call be answered.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i have tried to get a understanding on why i could not get a free credit report in which i was denied a credit report and they are wanting me to pay for a credit report and i know that i qualify for credit report every year. i am having to go through a bunch of red tape just to get a free credit report and they want to charge me money just to get a free credit report and score. and they have asked me about things after all these years. and i have provided all the information that needed but still they would not send me my free credit report sent to my address. but i guess i don't qualify for a credit report or score because i am XXXX or maybe because they are using my information against me. when everyone else can have nice cars or a nice house but i know i have not worked all those years for nothing to not have nice things other us citizens. now i am looking a document that says that my credit score was on the date XX/XX/2018 was a XXXX  how in this world did my credit score drop from XXXX to XXXX? but i feel that i am being discriminated against because of my XXXX and i should be able to have nice things like other us citizens. it is wrong for these people to these things to the consumers and i am on a fixed income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Financial Protection Bureau, This complaint is in reference to residential home Loan # XXXX which has been converted to # XXXX with Wells Fargo Home Mortgage. 
Beginning in 2008, Wachovia Mortgage began to miscalculate the annual adjustable rate calculations for this loan, which resulted in the monthly amounts of principal and interest due and the total payment amount to be incorrect. Wachovia Mortgage and Wells Fargo Mortgage used the incorrect figures for the XXXX Index and the Margin. These three items of this loan, the principal, interest and payment amount have been miscalculated incorrectly since XXXX. Additionally, for some months, my principal reduction amounts would drop significantly from the previous month for absolutely no reason. I would make call after call to Wachovia Mortgages Customer Service department and then Wells Fargo Mortgages Customer Service. Each time, the Customer Service representatives would acknowledgement that the loan servicing calculations with my mortgage had not been adjusted correctly, but never once I have I received the correct credit for my principal payments nor has my loan adjustments ever been corrected. This has cost me thousands of dollars over the years in mortgage principal reduction and mortgage interest unnecessarily paid. 
Just with a simple mortgage calculator, these adjustable calculations can be reconciled to have been in error. 
I continued to repeatedly contact Wells Fargo Mortgages Customer Service department telephone, speak with several Wells Fargo Bank representatives in person and contact Wells Fargo Mortgage by mail and email. Every single Wells Fargo Mortgages Customer Service representatives and Bank representatives has acknowledged the miscalculation errors with my adjustable rate mortgage. Yet, none one single Wells Fargo Mortgages representatives has done one single thing to correct my mortgage adjustment miscalculations. 
I had the same problem with a XXXX adjustable rate loan in the early XXXX. My loan was type was in Class Action suit against XXXX. If I am not mistaken, the CEO for XXXX at that time was the CEO with Wells Fargo during my adjustable rate miscalculation problems.

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX  regarding a past due bill. They let me know that I could still make the payment to them which I did the same day ( account was paid in full ). Sunrise Credit Service won't remove their account from my credit report and I don't understand why because it is my understanding that once I paid XXXX XXXX XXXX  I was no longer indebted to them. 

If XXXX XXXX XXXX truly didn't own the debt they legally would not have been able to collect on it so I don't understand why Sunrise Credit won't remove the amount from 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 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am a XXXX year old retired woman and I really need your help, back in XXXX I paid these people over {$2500.00}, for a illegal and unlawful transaction that evades states USURY INTEREST RATE LAWS ..by CASH NET USA, XXXX XXXX the USA attorney sued them and won in federal court. I paid these people over {$2500.00} in XXXX on a {$2600.00} transaction I paid these people their funds ... ..On XX/XX/XXXX I received a note from another USURY INTEREST COMPANY stating that I owe them {$4300.00} This company XXXX, XXXX XXXX XXXX ( Ph # XXXX ) I do not owe these crooks ANYTHING. 
Please Help Me ... ..Cash Net USA ... XXXX File XXXX file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
They try to collect an equipment that I don't have, or I don't know what equipment they are talking 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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
I have been sent money that they owed me from my coworkers and I have never received the money. Also my phone number associated with my account is wrong. My correct phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage extended a privilege opportunity to me to do a short sale, which I greatly appreciate, but their tactics show that they are not truly interested in extending the privilege to me, rather they are being very uncooperative in doing so. 
We had a buyer and the buyer 's lender appraised the property for {$640000.00}, but the short sale approval was for {$720000.00}. The buyer walked away, because the approval was {$80000.00}, higher than the value. 
We now have another buyer who offered {$560000.00}, but the appraisal is {$660000.00}, and the buyer is willing to pay {$660000.00}, but Chase wants the buyer to pay {>= $1,000,000}, which is completely outside the appraised value. 

Their rationale is that they used a Broker Price Opinion Agent who gave them that value, but I contended that they should get a value from a professional valuator like an Appraiser. I have asked them to compare Appraisal Report from a professional to Appraisal from  another Professional Appraisal instead of Comparing A BPO agent report to a Professional Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? BANK OF AMERICA Inquiries : BANK OF AMERICA XX/XX/2020 I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-26 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: OH

Complaint narrative:
TransUnion refuse to investigate the dispute of the following account as they stated it's not me whom presenting the dispute. Which makes no sense at all. That is a stall tactic ... 

Here is the dispute again : Reference CFPB # XXXX I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, XXXX  and TransUnion and have not receive this information. It has been over 30 days. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX I guess the Assignment of Debt was to much for them to handle ; therefore, if they can provide the Validation of Debt for the listed accounts.

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 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Starting XX/XX/XXXX I had a total of {$15000.00} pulled form account using Coinbase. The charges were never authenticated, and were sent multiple times in a day. The account used was a savings I do not pay much attention to and when I noticed the error I immediately disconnected the account and contacted Coinbase. They responded claiming that the transactions were from an IP address they have seen before using the Coinbase app, but I do not use a Coinbase app. I have sent numerous emails, I have filed a complaint and nothing has been done to return these funds to me. I need this money refunded as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NY

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-26 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: WA

Complaint narrative:
I have been a victim of identity theft, noticed fraudulent accounta on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
I have been a victim of identity theft, this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
I have been a victim of identity theft, this account does not belong to 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 2020-05-26 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: CA

Complaint narrative:
I have been a victim of identity theft, this account does not belong to 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 2020-05-26 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: WA

Complaint narrative:
I have been a victim of identity theft, noticed fraudulent accounta on 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