vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however Equifax, XXXX, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
<P/>
This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: LEXISNEXIS
State: VA

Complaint narrative:
I had previously disputed a judgment account XXXX that was erroneously showing on my LexisNexis file back in XX/XX/XXXX. THis is my 4th dispute regarding this account because LexisNexis has refused to comply with FCRA 611 part ( A ) ( 1 ). <P/>In their letter dated XX/XX/XXXX in response to my 3rd dispute regarding this erroneous judgment account XXXX that they verified that this account was associated with me, XXXX XXXX. However, the LexisNexis investigator intentionally ignored a copy of the court judgment order showing that in response to my motion filed on XX/XX/XXXX to have the judgment account XXXX set aside pursuant to VA code 8.01-428 ( ii ) void judgment was granted and this default judgment account that was entered against on XX/XX/XXXX was set aside on XX/XX/XXXX. <P/>Therefore, LexisNexis can not just suppress this judgement account now that was set aside by the court and now that account no longer exist that was previously granted. <P/>LexisNexis refused to comply with the FCRA 611 part ( A ) ( 1 ) when they failed to respond and were required to delete the account. Now the judgment account XXXX has been set aside therefore they are required to delete the account completely from their files. They still do not want to comply but suppress a record that has been set aside by the court and no longer being valid. <P/>This continues to show that LexisNexis does not comply with the laws regarding consumers and continues to violate the law. You should be able to see if they are continuing to violates my rights by failing to properly comply to remove and delete an account that now has been set aside by the courts, how many millions of consumers rights are they violating. <P/>Please see my attached letter dated XX/XX/XXXX that I specifically address the judgment account being set aside by the court on XX/XX/XXXX and provided certified copies of the paperwork from the court showing the judgment that was entered had been set aside. I also provide a copy of their 3rd response letter that show how they continue to state that they have verified the account which is now false because as of XX/XX/XXXX this judgment has been set aside.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: FL

Complaint narrative:
inquiry victim inquires from companies i never authorized on 3 credit reports XXXX, Equafax, XXXX XXXX.
Inaccurate information on my credit report 1. XXXX XXXX account late payment status, XX/XX/XXXX reports as negative Due to do inaccuracy of this information i request you delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I WAS  XXXX  IN  XXXX     2013  AND ARRIVED OVERSEAS END OF  XXXX     2013  AND WAS LATE PAYING MY MORTG. WELLS FARGO REIMBURSED ME FOR LATE FEES BUT WOULD NOT TAKE OFF  XXXX   2013  LATE PAYMENT OFF MY CREDIT REPORT. I WAS NOT LATE PAST 30 DAYS. I HAVE PAPER SHOWING THAT THEY REIMBURSED ME FOR LATE FEES AND ACKNOWLEDGE I WAS OVERSEAS BUT REFUSE TO TAKE OFF THE  XXXX  DELINQUENT MARK OFF CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: IN

Complaint narrative:
As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang  XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. <P/>The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. <P/>Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. <P/>Please contact me to discuss further. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 2 credit cards from CHASE : one VISA and one MASTER CARD. I applied for CHASE British Airway Visa credit card on XX/XX/XXXX. I received a letter letting me know that they could not confirm my information on the application against my current credit cards information with Chase and I need to provide a proof of Date of Birth and current Address reference number XXXX. <P/>I came to Chase bank 2 times to have them fax my passport and my driver license to the fax number provided on the letter. I also mailed a copy of each document to the address provided on the letter. <P/>I received another letter letting me know that Chase had a concern that someone may be using my personal information fraudulently and need to call Chase to confirm if I was the person submitted the application in 30 days from the date of the letter on XX/XX/XXXX. <P/>I called Chase today XX/XX/XXXX to confirm that I submitted the credit card application. The person from fraud department was able to verify my information and there was no fraudulent activity. <P/>However, they told me that everything is fine but they had closed the application and I have to reapply. <P/>There has not been 30 days from the date of the application XX/XX/XXXX nor from the date of the communication letter of XX/XX/XXXX and all of the requested information / documents being verified. <P/>Why did they close my application and I have to re-apply? <P/>There was a hard pull on my credit profile and damaged my credit profile due to this application denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: FL

Complaint narrative:
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXXXXXX Transunion, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

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 2017-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXX XXXX Experian and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

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 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A group of people used my social security number to get services with XXXX XXXX XXXX XXXX, XXXX XXXX. The billing was linked to my home at XXXX XXXX XXXX. XXXX Tennessee XXXX. The FBI told me it was an inside job. The entire XXXX XXXX, XXXX XXXX & The XXXX Family. XXXX XXXX. Copies of my birth certificate was made, drivers license, social security card. My date of birth changed with XXXX, my former employers changed. Social Security wrote a query showing my employers from XX/XX/XXXX - XX/XX/XXXX. Tax returns have been filed using my information. The XXXX Family stole Government funds to pay you for your services through XXXX XXXX XXXX. Unemployment funds was being used. The FBI brought this to my attention. From XX/XX/XXXX-XX/XX/XXXX this theft occurred. My number in the home was ( XXXX ) XXXX. You turned my phone off, I was in my home 18 years. The XXXX stole my home. It goes on & on, they 've taken my identity. They are being allowed to continue to abuse companies services. The only way they will stop is you do n't provide them with any type of services.

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 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an XXXX XXXX credit card issued through Citi cards. Citi offers an account management portal on the internet. Within that account management tool is the ability to message with Citi securely. They call it the " Secure Message Center ''. I reported several months ago that I had submitted a question via Secure Message. Citi first responds by regular email that a response is in the customers Inbox. When I check my Citi Secure Message Inbox no message is present or visible. They assure me that a message has been sent. Citi also acknowledges that they are having technical issues with this service. This issue has been outstanding for approximately six months as far as I know.
<P/>
My concern is what happens to the messages that Citi sent me? Who received that message if not me? Where did the information contained in the confidential message go? <P/>I suspect that Citi has a potential Information Security Breach and has not taken proactive steps to safeguard customers information. Citi can not provide me with information that proves the message intended for me was not received by some other Citi customer.
<P/>
Citi knows of this problem but either can not or will not correct the issue. <P/>I last spoke with a person by the name of XXXX who gave his job title as Assistant Vice President of Operations. I ask for other management contact references and that request was refused by XXXX. I was also given an email address to send Citi 's email responses to me. XXXX My recommendation to Citi was to cease offering the Secure Message Service until it is fully operational. I made clear that I am concerned about the security of my personal information yet Citi seems very unconcerned about that aspect of this problem. <P/>Thank you,

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 2017-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
<P/>
See attached for full chronological sequence and details.

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 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I applied for a Bank of America XXXX XXXX Signature edition credit card. I did so because I wanted to receive the benefits that were outlined in the offer ( e.g., miles, companion ticket, etc. ). I was immediately approved and was informed I could begin using the card, which I did ( spent over {$1000.00} ) to meet the requirements for the miles. <P/>Upon receiving the credit card in the mail, I called Bank of America to ensure that I would be receiving the airline benefits, because they ( miles, ticket info ) were NOT outlined in the paperwork I received with the card. They told me I needed to contact the airline to find out that information. I called the airline, and they told me they did not have access to that information and that the awards would be issued after my first statement ( since I already spent the required amount ). <P/>Approximately one month from when I applied for the card, the first statement was issued, I checked my account online. In reviewing my account, I noted that I did not receive the miles I was expecting, but rather only a small portion of that amount and no companion ticket. XX/XX/XXXX I called both the airlines and Bank of America, and was informed that I was not approved for the " signature card '', even though I have a excellent credit score ( about XXXX ) and my $ XXXX mortgage has been with Bank of American for the past 7 years ( always paid on time, no issues ). I was approved for a different credit card, 'platinum ', that was not eligible for the same benefits. <P/>I requested that they change my account to the 'signature ' edition, but they told me that even though I would be eligible for the signature card, I was no longer eligible for the airline benefits that came with that card because I was already issued the 'platinum '. <P/>Bank of America needs to be more up front about their different card options, which one someone is receiving and benefit differences, and people should be able to apply only for the Visa Signature edition. If this is not resolved, I am going to cancel my credit card with Bank of America and change my  mortgage to another institution.

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 2017-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.

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