vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XXXX 2015 I was advised by a Chase banking representative that I could " save on my interest rate costs by paying bi-weekly or refinancing. '' I began making payments in amount of approximately half my mortgage payment due ( XXXX-XXXX every other week ). I continued to make such payments for the next 2 months approximately until I began getting calls by Chase servicing about my " late payments. '' They explained then that bi-weekly payment was not an option. I inquired as to the amount due then to get the monies Chase was placing in an " unapplied funds account '' to my mortgage, which was {$1600.00}. I advised Chase I 'd make immediate payment ; I did ; they finally credited that amount several weeks later around XXXX XXXX ... .causing me to be 30 days late. Due to erroneous advise at Banking ctr, I have called Chase Private Banking dept./Cust Care to reverse the negative credit reporting which they denied, stating I have to get a sworn affidavit from the branch confirming they in fact gave me bad advice. This is preposterous for several reasons.Please ensure my credit is respired as I have taken a major hit to my FICO once again due to non-compliant Chase Servicing practices and am being denied credit to other areas of my personal life. I have roughly XXXX % equity and a strong payment history having owned this home for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE HOME FINANCE LLC XXXX - I HAVE NEVER PAID THIS ACCOUNT LATE, AND IT WAS NEVER A CHARGE OFF!! DELETE NEGATIVE REMARKS ON THIS ACCOUNT OR DELETE THIS ACCOUNT FROM MY RECORDS AS WHOLE!!! 
I have requested Chase to validate this account and send me a payment history several times. However, I only received an auto generated response to all of my letters. When trying to request validation via phone, I was advised to write to them and received same results!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Mortgage, represented by XXXX, refused to accept my husband 's XXXX to which I am the Attorney in Fact. I sent XXXX the XXXX for the purpose of refinancing a XXXX joint ) mortgage. I wrote XXXX that Chase " is legally responsible to honor powers of attorney that have taken effect unless there is a fatal flaw such as a forged signature. '' I also reminded XXXX that since XXXX and I are current Chase customers, they have his signature on file for purpose of confirmation. 

XXXX replied " Unfortunately, we do not recognize POAs for the purposes of originating a new loan. '' It is my understanding that banks neither the legal right to refuse a PPOA ( without a fatal flaw ) nor are they permitted to have a policy of refusing PPOAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to Chase for a credit card. None of their materials disclosed that they would deny credit if I had applied for XXXX or more cards within the prior XXXX months. I was denied credit which lowered my credit score. Had I known the policy I would not have applied. I complained to Chase who explained that multiple card applications presented a risk. They claimed they would not know how the other credit was used. Most of the cards ARE WITH CHASE so they know exactly how the cards were used. They also access credit reports that show how those other cards were used. So their explanation is both false and deceptive, as is is their refusal to disclose the policy in their solicitation materials. I want them to ACCURATELY disclose to all and to be sanctioned for their arrogant UDAAP practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.

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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. 
The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. 
Experian is deceptively using the XXXX website to sell their products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed with experian/XXXX/XXXX that I have identity theft on my credit report with XXXX accounts that were opened fraudently. I also contacted the companies directly to report this information. XXXX XXXX did an investigation and I received a letter stating the investigation was done and it was proven that someone stole my identity and the information will be removed from my reports. To date this information has not been removed. I also have XXXX store showing on my report that also has been a part of identity theft. These credit reporting agencies are doing nothing to remove this information. I have been disputing this for months now and it is affecting my credit score. I am complaining because I have made numerous phone calls to the credit beaurous and ca n't reach a live person to speak to with experian. Along with this complaint I am also complaining because there are a few ( XXXX ) accounts that are showing as negative ... ..when in fact I have valid proof from the bank that these accounts were never late and should be showing as satisfactory on my reports.

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 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX in XXXX XXXX, including filing a complaint w XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to XXXX XXXX and they have removed my credit dispute from 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 non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
disputed several accounts in XXXX with Experian and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX residing in XXXX, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down.

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