vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: UT

Complaint narrative:
I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Consumers Inc
State: CA

Complaint narrative:
These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! 
These are the numbers they use : 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 2017-10-30 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: TX

Complaint narrative:
sent them information about inquires that are not mine they just left on there XXXX tu, 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 2017-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent them information about inquires that are not mine they just left on there XXXX XXXX equ

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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:
sent them information about inquires that are not mine they just left on there exp, 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 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: NJ

Complaint narrative:
I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bristlecone, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING

Company response to consumer: Untimely response
Consumer complaint received 2017-10-30 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: ND

Complaint narrative:
I have complained to Equifax over and over. Equifax has denied me the right to a fair credit report. Equifax knows that they allowed my information to get hacked! Before this situation I was a victim of identity theft! Equifax has a copy of the report. Equifax also has a Statement from a federal agency providing proof that my identity was stolen. A young lady got arrested for using my information and this was verified by the XXXX department. I have spoken to several Equifax employees and they have been very rude. The last XXXX people that I spoke with have been gabriella and XXXX whom were very rude. I have hospital bills reporting on my credit report that are fraudulent. I am a mother of XXXX who receives XXXX. I 've always received XXXX. It is against the law to bill someone who has XXXX unless it 's a co pay. These are fraudulent accounts that are not my accounts. I live in Nd. I have no reason to go to another state and accumulate a Medical bill when I have XXXX and reside in the state of ND. I am trying to purchase a house that has been repossessed from a family member that is now deceased. Equifax has denied me the right to a fair credit report. I need these FRAUDULENT ACCOUNTS REMOVED! THEY AGREED TO REMOVE THE FRAUDULENT INQUIRIES BUT NOT THE FRAUDULENT ACCOUNTS! Please help in making sure Equifax is allowing all races a fair credit reporting rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I owe a {$140.00} balance, Ally Financial called 24 times in a row.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I returned my car to a XXXX dealership where I got a new lease for a new vehicle. they took the car and said that they would include my last payment on the new lease, but payment was done by my company, after several attempts, and XXXX XXXX. I was a cosigner on this account and payments where always on time until this last mix up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Early Warning Services, LLC
State: MI

Complaint narrative:
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex Systems is reporting the wrong information regarding myself. I called a wrote .... NO RESULTS. Please correct and DELETE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Creditor is in violation of Contract law ( full disclosure ) and FDCPA.

Company response to consumer: Closed with explanation