vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 my car was declared a total loss by the insurance company of the company that hit my car. The insurance company paid the Since that time, the trucking company that was responsible for totaling my car paid Chase the amount that was requested in there settlement letter {$11000.00}. Chase still requesting additional money from both me and the GAP insurance company. In the meantime they have been reporting me as being delinquent on my credit report for which I had never had a late payment on this car note. This has created a terrible hardship for me because I am still without a car and now my credit is reflecting as poor and I have no real hopes for being able to purchase at a fair interest rate. The Gap company has issued a check to chase for which chase claims not to have and says it won't be enough and they will continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
One of the cars which I leased was a total loss ( XX/XX/XXXX ), and my insurance company paid the lease holder off in XX/XX/XXXX. The balance due according to my lease holder was {$890.00}, which I received a letter in XX/XX/XXXX, I immediately paid the amount owed ( check # XXXX dated XX/XX/XXXX ) payable to the lease holders ' collection company. So the account was paid-in-full per the lease holder on XX/XX/XXXX that's the date they say they cashed the check. I show they cashed the check and it posted to my account on XX/XX/XXXX. Regardless, the Lease Holder reported an I-09 entry against my credit which means " Outstanding balance due/Collection Charge Off '', I feel this entry is incorrect and severely harms my credit rating as it does not rise above 700 FICO median score because of this inaccurate reporting. I have spoken to the Lease holders ' Loan department over 11 times ( XX/XX/XXXX through XX/XX/XXXX ), and have written their Credit Dispute Team in XXXX XXXX, Iowa twice. The first time ( XX/XX/XXXX ) they responded in 1 week ( XX/XX/XXXX ),  with " that they have reported the credit incident correctly '' and the 2nd time I wrote them ( XX/XX/XXXX ), I still have not gotten a response. This has really gotten out-of-hand I need a resolution with the verbiage as defined, and with this false reporting and the I-09 remarks off my credit reporting record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am a XXXX Veteran and President Trump gave  forebearance on my Student Loan. Nelnet has negligently left the student loan on my Credit Report. 
I attempted to contact them with no response. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
Aloha,CFPB,Iamcomplainingaboutthe2loanservicers,thefirstOcwenLoanServicing,LLCwhotransferredmyloantothesecondservices,PHHMortgageinXX/XX/XXXX.InadditiontothelawfirmXXXXXXXX,XXXX,whodidnotdotheirduediligencebeforefilingtheforeclosureaction.

InXX/XX/XXXX,IwasapplyingfortheHAMPloanmodificationaftercompletingpaymentsontheHomeAffordableUnemploymentProgramForbearancePlan.Foroverayear,Iwastoldtheyweremissingdocuments,thatIhadalreadysent;deniedaloanmodification,evenafteraHUDcounselorwhoreviewedmyfinancialsstated,Idoqualify.Then,Iappealedthedenial;theyresearchedandaskedmetoreapply3moretimesandstillnoloanmodificationwasoffered,(NotuntilXX/XX/XXXX,whileinforeclosure).Thesecompaniesarenotonthesamepage.Theyviolatedfederaldualtrackinglaw.
OnXX/XX/XXXX,whilestillintheprocessofreapplyingforaloanmodification,XXXXXXXX,XXXXPlaintiffscounselfiledaComplaintforforeclosureonbehalfofXXXXXXXXXXXXXXXXXXXX,asTrusteeFortheRegisteredHoldersofXXXXXXXXXXXXXXXXXXXXXXXX
AfewdaysbeforeIwasservedtheComplaint,theXXXXXXXXSettlementfrozeallforeclosuresbecauseOcwendidnotcomplywiththeirstandards,howeverPlaintiffcounselwentforwardwithfilingtheforeclosure.

Irecently,appliedforaloanmodificationwithnewservices,PHHMortgages,whileinasettlementnegotiationwithPlaintiffscounsel.PHHMortgagesdeniedmyapplicationinXX/XX/XXXX.IappealedinXX/XX/XXXXandrecentlywassentaletterstatingthattheycannotoffermealoanmodification.
IamscheduledtodefendmyselfandpreventthePlaintifffromtakingmyhomeintheMotionforSummaryJudgementHearingonXX/XX/XXXX.
IaskthattheCFPBlookintothesecompanieswhoatinvolvedindeceptivebehaviorandmisconductandfrivolousfilingsanddramaticallyaffectingmanyhomeownersacrossthecountry.
Mahalo,XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: AZ

Complaint narrative:
This is in response to an unresolved claim through CFPB. 

I never opened an account with this entity. I do not open such accounts online, electronically, or via the internet. 

This entity claims I opened an account with them online to obtain a line of credit. I have informed this entity they are incorrect and that I never opened such account. 

I will not utilize another entity such as FTC to validate my claim or fill out documents alleging a fraud has occurred, as I will not give any entity my personal information due to an occurrence I had nothing to do with. This is not my responsibility. 

The entity claiming I opened such an account needs to provide a written contract with my wet-ink signature thereon, as that is the only method by which I will open an account. Otherwise, it is proven I have no affiliation with this entity, have never done business with such entity, and do not owe a debt wherein said account exists. 

Attached are the three attachments this entity included as backing their claim against XXXX XXXX, all of which are invalid as they have nothing to do with me, XXXX XXXX. Also attached is my affidavit stating my procedure for financial contracts. 

Show me this contract on paper or there is no such contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Well for years my credit report has been wrong frad and I've tried to fix it myself now my credit has been compromised from Equifax it's wrong to have my credit destroyed for years no one there to help me fix or repair my credit report I've filed with them disputing the credit report to no avail or they just do not care how it had effected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Immediate Credit Recovery
State: FL

Complaint narrative:
A couple of weeks ago I received an email from my payroll department that they were going to start garnishing my wages at 15 %. My payroll department was noticed of this on XX/XX/XXXX. I called the company that now has my student loans, Immediate Credit Recovery, yo ask about this garnishment and was advised they sent me a letter to set up a payment plan but they sent it to an address Ive never lived at. They advised me I can fill out a financial hardship packet and hope that they dont garnish my wages. I filled out the packet and mailed it in with all my bills then on XX/XX/2019 I received a letter in the mail from the US Department of Education to set up a payment for plan for the debt I owed. I called them to set that up but was advised to just disregard the letter I received and it was sent out in error. I was never given the opportunity to set up a payment plan for this debt and Im also XXXX weeks XXXX with my first XXXX  so having them garnish 15 % of my wages is going to put a huge financial strain on myself. The amount I owe is XXXX and Ive also been advised they will be seizing all of my income tax this year. Id be willing to make payments to this company but I cant afford for them to take XXXX a month from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent exactly the forms that i was given by Identity thieft. org and experian says they are in the wrong format lady on phone would not explain what format they needed to be in. very rude, i asked for supervisor and was hung up on

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 2019-10-14 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The Midland Credit account was removed from my XXXX record because it was determined to be too old. Only days later it appears on my XXXX  record. How is this possible. The actual date on the account closure was XX/XX/XXXX, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
After.SLS LLC recieved final payment and processed they continued to charge fees and interest and are still charging and have added additional fees I Was assured in 2 seperate calls these late fees and interest were taken care of and taken off but could not produce an email or letter stating so to me till end of month which was XX/XX/XXXX. Now have recieved closing statement with additional interest and late fees attached. This looks like an ongoing issue with this company. I also filed with XXXX I Did send final requested payment in money order ( banks were closed to get certified check ) along with all conflicting documents and proof they processed payment on time. Trying to close out loan without negative repercussions on credit etc. due to their negligence. But honestly do not owe these fees, and have submitted all documentation of whom spoken to etc to company. Want others to beware of this company and read all negative views online. My understanding from paper work this is a subsidiary company of 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 2019-10-14 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: CO

Complaint narrative:
Experian just sent me a brand new credit report in the mail and my request to have negative, false comments removed from specific accounts has been ignored again. I am left with no other choice but to keep filing compliants with the CFPB and now my state attorney generals office. 

I am attaching a scanned copy of the report that they just sent me. The following accounts have false and incorrect comments on them that say " Dispute and reinvestigation '' but they never fix any problems. They intentionally leave the dispute codes or comments.on there because they know that it impacts me getting approval of loans because it takes those account out of the algorithm. They are intentionally doing this because I stand up to them and file complaints. I want the comments that are circled on the attachment that is being uploaded removed permanently and i want them to stop putting these false comments on my credit report. They have no right, especially when accounts have not been disputed by me. This is illegal and this is an attempt to harm my financial status and they need to be be held accountable. 

The following accounts have comments that i am demanding be taken off. SEE UPLOADED ATTACHMENT AS WELL. This is important since most of these people that work for Experian are not even in our country and do not speak very good english. 

1. XXXX XXXX ACCOUNT : XXXX 2. XXXX XXXX ACCOUNT : XXXX 3. XXXX/XXXX XXXX   acccount number as on report XXXX 4.  XXXX/XXXX XXXX 5. XXXX XXXX XXXX XXXX : XXXX ( Never disputed, never late, why are you putting a dispute comment on this account ) Should say Open/Never late 6.XXXX XXXX XXXX : XXXX ( Account has always been in good standing why would I dispute this one. You intentionally put a false narrative on my account is should only state OPEN/NEVER LATE Remove all dispute codes and comments immediately. LOOK AT THE ATTACHMENT it specifically points out your intentional and false statements that must be removed immediately.

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am XXXX years old, my hearing is challenged, I have filed complaints against Wells Fargo and I always ask for them to respond in writing. I do not like being on the phone and having to always ask for conversation to be repeated, it makes me feel troublesome and I am always having to apologize. Also, conversation can be misunderstood. Yet Wells Fargo continues attempt calling me. I want a accurate record of all correspondence, Therefore I am requesting a CEASE and DESIST of all phone conversations. Wells Fargo may reach me at my email address, by USPS or through there messaging platform. 
There is nothing in the contract they created and asked me to agree to that states certain correspondence can only be done over the phone. 
CEASE and DESIST all phone conversations particularly from their Executive Office, immediately, Stop harassing 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 non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB, I have a Fidelity Credit Card ( Issued by Elan Financial Services ) that I haven't used in months and has had {$0.00} balance as a result of any purchases. However, over the past few months, they have been mailing me a {$50.00} check and then charging me fees ( up to {$32.00} ) monthly. I have tried to cancel the credit card multiple times and spoken to multiple people at the card services and private investing department. 

They have told me they will have someone call me about the issue and I have not received a call back. They have tried to reverse all the fees, but then assess more fees again. The issue keeps persisting despite them telling me it's all resolved. At this point, it seems like my credit score has been materially and adversely affected by their actions. 

The most recent conversation with them was today ( XX/XX/19 ) where I spoke to card services. They looked into the issue and found there was a complete breakdown between the card services department, Elan Financial Services and investing department. 

That being said, the impact to my credit, the numerous calls I've made and their lack of responsiveness has been an unfair and egregious violation of consumer trust. The unethical behavior has resulted in not just frustration, but clear impact to my credit. 

I have been patient over the past few months and am formally complaining because of the issue persisting for so many months. It also could be a systemic issue, which is unfair for anyone that has the card. I've been diligently calling them, but others may not. 

Thank you, 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 2019-10-14 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On my credit report Kia finance reported a late payment in XX/XX/2019 as well as XX/XX/2019. Neither of those months I was late. I contacted the company in XX/XX/XXXX about setting up an auto pay. XX/XX/XXXX the auto payments began. I asked over the phone in XX/XX/XXXXif missing XX/XX/XXXX would be ok, or effect anything and she told me no. Ive contacted Kia and they reported the only way to resolve this matter is submitting a written request. I submitted but was told it usually takes up to 30 days processing time. I also contacted the company back in XX/XX/XXXX to ask why and was given money back, as well as hung up on by multiple representatives. With no answers as to why they are saying Im late. And no answer why they gave me money back. When I was told to pay XX/XX/XXXX bill I paid it as soon as I found out. I was never contacted about a missed payment even though I had been to a Kia building to get service done I still was never told. My contact info was not up to date even though most companies verify up to date info when you call them. I was never late in either XX/XX/XXXX or XX/XX/XXXX.  And this has negatively impacted my life through my credit score dropping dramatically.

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a capital one bank credit card that I forgot to make payments on since 2017 back then I didn't fully understand how credit cards work!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I recently pulled my XXXX credit report and reached out to CBNA in regards to an I wiry that is showing on my credit report. This inquiry is dated XX/XX/2018. This company wasnt able to find any information and wouldnt send me a deletion request to the credit bureau to have it removed. I have not applied for credit at all. I am single mom and staying away from credit.

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 2019-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I am going to complaint about Remitly.com, is a worldwide online money transfer.Remitly, Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com Unfortunately, this is first time I sent money online thru Remitly.com on XX/XX/2019 worth {$290.00} and it supposed to be delivered by XX/XX/2019 in XXXX, XXXX. But not deposited yet after 18 days going on. They charged from me more for Express Delivery.I talked with their customer service several times starting from XXXX XXXXXXXX 3 times,  chatted 2 times and emailed 1 time. From the very beginningthey are keep saying that they are investigating and still they didn't give me any positive response.It should be mentioned that by this time I sent them XXXX XXXX Bank Statement which shows that XXXX  didn't receive any amount yet.When last time on XX/XX/XXXX, I asked them to return my money back immediately otherwise I am going to complaint to the proper authority, they reply and asking for another 3 to 4 days.I am disappointed and requesting you to take the necessary steps asap to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I obtained prepaid reloadable American express card in XXXX. Card XXXX XXXX XXXX. In XX/XX/XXXX they approved unauthorized car rental charge of {$2900.00}, while rental was paid in advance, car was on their location and they also took a deposit on a rental. Besides, rental company never returned 2 large moving boxes with documents and over XXXX worth of items. 
When I called American express they couldn't explain why they allowed charge.

Company response to consumer: Closed with explanation