vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XX/XX/2016 I closed my checking account and I did not receive the confirmation from the bank Wells Fargo.

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 2019-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do not recognize these inquires on my report from XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Capital One ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have 3 collections on my equifax report i wrote to them more then four times and they keep sending the same answer verified. i asked them how they verified they answered verified! ( Attached ) i told them this collection agency wont send me verification so how are they able to report these items, and yet again they answer verified! i do not know what else to do i can not afford a lawyer so im asking you guys for help to remove these unverified charges off my equifax report. they just send me the same print out over and over thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We are senior citizens ( ages XXXX & XXXX ) who are experiencing a hardship and trying to remain in our " '' Forever Home '' ( constructed in XXXX, next door to our son/caregiver ) and his family ) for as long as our health will allow. We have reached out to our Mortgage Company, JP Morgan Chase for assistance but have been denied approval because we are NOT presently facing bankruptcy or foreclosure. According to their review of our monthly expenses and income, our house remains affordable according. 

We feel they are discriminating because of our age and want to force us to sell our home. For 13 years we have been loyal customers to Chase... never missing a payment and now borrowing from family each month in order to meet the monthly mortgage payments. When we built our house, my wife and I were enjoying 6-figure salaries and were preparing for this time in our life. Since that time, the company I managed since XXXX was sold, my wife 's company closed during the real estate collapse and now our health is failing. We have our savings, had to give up a part time job because I could no longer perform the duties, and with next month 's payment we will begin to fall behind on our mortgage payments. 
Our house has been valued by XXXX XXXX at {$490000.00} and our remaining balance is {$270000.00}. Our credit score is nearly 800 with all 3 major reporting agencies. Normally we pay off our credit card balances each month but we've had some unexpected expenses that have increased our balance to nearly {$1000.00}. We've been trying to refinance but either our income-to-debt ratio is too low or we can't find an interest rate that will reduce our payment. 

Our credit rating has always been of great concern and we've made application for mortgage assistance before the situation deteriorates. We are simply trying to be proactive in what is to come a desperate situation. 

We know the wisest thing to do would be to sell our house and take the equity but we honestly feel our health would not survive a move to another location. Plus, our caregivers live next door and keeping the house would be less expensive than entering a facility. We do not know how much time we have to enjoy our home but are simply seeking a lower payment for the next couple of years until we can obtain a Reverse Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive contacted these companies about hard hit inquiries on my credit report with no resolution. Ive also contacted TransUnion about these issues, but I could not get the representative to understand my concerns. It was very difficult to understand her. On XX/XX/XXXX, XXXX XXXX has 2 hard hit inquiries on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. Ive tried 2 resolve these issues but to no avail.

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 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For over fifteen years Equifax has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. So in XXXX, XXXX I wrote to Equifax via a Certified/Return Receipt mail, requesting that my personal data i.e. my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response from them, months later. Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me that has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. Again, they've blatantly ignored my request. 1. XXXX XXXX, Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX  XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXXXXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. XXXX VXXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9.  XXXX XXXX XXXX  XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 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: GA

Complaint narrative:
I have attempted three times since XX/XX/2018 to remove accounts from my report that does not belong to me. Each time Equifax says the accounts are verified but again, they do not belong to me so of course when asking for verification there isn't anything to show as well and I have already sent my identity theft affidavit to them each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D&A Services, LLC
State: TX

Complaint narrative:
Contacted my ex-spouse, have been divorced over 15 years. Never heard of this company and the nerve to contact an ex or even a current relative is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I applied to have my mortgage insurance removed. Chase requested a check and said a broker would do an estimate. However, the broker used comparison sale data of over 12 months old and nothing similar to my home. I brought this up to Chase, and they said for me to submit comparison data of homes less than a mile away and no more than 6 months old sales data. When I did do this, Chase refused to accept the data without providing any reasoning. Furthermore, Chase 's customer service rep tried to belittle my opinion by insulting me when the data they are using does not fit the parameters of their own rules. Chase decided to use old data to keep my mortgage insurance and they kept my fee for a broker opinion that was tainted and false. The entire process is a sham and fraud. Chase has no desire to follow their own rules for estimating a value of a home and rather just keep the extra {$100.00} they charge customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have tried to open an account with several banks and even though all my information would be correct I get an email or a mail saying that my information wasnt correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), Jpmcb Card ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.

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 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
On XX/XX/2019, I received 58 missed phone calls from XXXX. I know this is from First National about a convenience store credit card. I am 1 month behind on payments. I told them that I am trying to make payments and I am aware I am behind. 58 phone calls 22 minutes is harrassment.

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 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX. My husband and I divorced due to His XXXX   XXXX. I am on XXXX and have XXXX. This debt was assigned to him and the balance was only {$350.00}. XXXX XXXX contracted this debt out to LVNV Funding LLC. I called and talk to them trying to explain to them that this caused my credit to drop -46 points and I have worked hard to bring my credit score up. This young man I spoke to called me every name possible, said I was a horrible person charging things and then " running out of my debts '' and got me so upset I had to go to ER with a horrible XXXX XXXX. I was trying to explain to him what happened but he would not listen. My credit score dropped -34 thru XXXX and -43 thru XXXX. Please help me get this straightened out and now they call me from XXXX XXXX through XXXX and I can't emotionally take this. My husband used this credit card out of malice and will not pay it. I only have social security XXXX as an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XX/XX/2019 around XXXX I received a phone call from Portfolio Recovery after I told them NOT to contact me at my phone and to send me correspondence through mail only, I called back and they refused to give the name of the person who called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have a collection on my credit file that doesnt belong to me. I called two years ago and had this removed from my credit file. Somehow this same debt has reappeared after Me AND THE COMPANY XXXX XXXX agreed that there was no record of this account in their system. I never had an account with 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 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
They would not let me pay my loan off 2 days before the next payment plus there were substantial fees that were not made aware to me or misleading. Not only can you not understand the people in customer service but they are very misleading. Was told I needed 24 hours minimum to pay full loan off before next payment was taken directly out of my account. I called two days before that and they would not let me pay my loan off until a payment was taken out. This way they could build up more interest and make more money since none of the payment goes to principal. I dont know how they get away with this, predators picking on the poor is whats happening and just because its a Native American tribe the government cant do anything about it. These places need to be shut down and people need to be more educated about these establishments, including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/XXXX, my loans with XXXX  were transferred to FedLoan Servicing. I applied for the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/XXXX knowing that my first payment for my loans was coming up. My first payment made was XX/XX/XXXX. My last payment to XXXX under the PSLF was XX/XX/XXXX and then my loans were transferred to FedLoan. Under FedLoan, my first payment was XX/XX/XXXX. I have contacted FedLoan multiple times to get the status of my account review for the payments that were made under XXXX up until the time my loans were transferred. I was told each time that the account was still in review and it has been over a year. Then I received a statement that says only TEN payments made qualify me under PSLF. However, I have been making payments every month for 3 years straight and re-certify my employment every year. I have also been with the same company for the last 10 years so there is no reason that after a year of reviewing my account, they come back and tell me only the payments I have made since my loans were transferred qualify. It is absurd that I am at the risk of being 26 payments behind because they did not handle my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On two ( 2 ) separate instances, I was forced to close my checking account because CHASE failed to detect suspicious activity on my checking account. 
My former checking account ending in XXXX was compromised when someone obtained the routing and account information. CHASE did not acknowledge the ACH payments were not typical methods of payment exercised by consumer. 
Recently, my checking account ending in XXXX was compromised, AGAIN when someone obtained my routing and account information to make ACH payments using the checking account route and account number. CHASE did not detect suspicious activity and acknowledged consumer does not typically used this method of payment. 
Upon my request, the account was restricted ONLY to allow numerous direct deposits and allow pending checks to clear but CHASE abruptly closes the account without notifying me. Check # XXXX made payable to the US Treasury has yet to clear, causing much concern regarding their automated systems, protocols and detection of fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/2019 I filed a merchant dispute with XXXX  XXXX XXXX credit card services with credit card ending in XXXX and according to the FICO score from XXXX XXXX Credit Card Services my FICO XXXX Credit score was around 776. 
The XXXX XXXX score was around 771. just Yesterday, I discovered that my XXXX credit score wet down 133  points to XXXX. 
Today I just checked my Transunion credit report and score and found that even though my credit report from Transunion is clean with no derogatory information with no inquires, no public accounts, no collection accounts and every credit card I have was paid on time, I still have a credit score of XXXX. I am enclosing a copy of my Transunion credit report and score for your review. 
================================================================ What I would like the CFPB to do is to look into this and to determine what could have caused this dramatic change in my credit profile since this was very sudden and unpredictable.

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 2019-06-15 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: Armed Forces Loans of Nevada Inc.
State: SC

Complaint narrative:
I had a loan with Armed Forces Loans. I fell upon hard times and missed a payment back in XX/XX/XXXX or XX/XX/2018. I made that payment the following month and continued on schedule making the payments as I was scheduled to. Armed Forces Loans continued to mark me as having late payments when they were paid via ACH on the due date monthly. When it came down to my last 2 payments. I  made the payment in XX/XX/XXXX and when I contacted XXXX ( I am military ) they stated for me to get clear guidance from the company on what was owed before I made the payment. Before I could get that resolved the company drafted my account without my consent and took the last payment out in XX/XX/XXXX.  That payment has not been reported to the credit bureau but they have reported me again as having a late payment even though they have my money. They contacted me onXX/XX/XXXX stating I had a balance of {$15.00} for a late fee. This company seems to scam, access peoples accounts without their permission and not report accurate balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: OK

Complaint narrative:
SATURDAY XX/XX/2019. 

I HAVE REQUESTED MY ANNUAL CREDIT REPORT SEVERAL TIMES AND XXXX   IS THE ONLY AGENCY THAT RESPONDS, ( SO I MUST BE DOING SOMETHING RIGHT ) NOT EQUIFAX AND NOT XXXX 

THE LAST TIME I REQUESTED MY REPORT WAS VIA THE XXXX NUMBER FOR REQUESTING REPORTS ON ( XX/XX/XXXX ). XXXX RESPONDED SAYING THEY HAD ALREADY SENT ME MY YEARLY REPORT AND THAT IS CORRECT, ITS THE OTHER TWO AGENCIES WHO HAVE NEVER REPONDED.

Company response to consumer: Closed with non-monetary relief