vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase unfairly close my credit card ( chase freedom ). 
XX/XX/2019 I received the first chase credit card three days ago, and I only paid once. then I found this card can not be used anymore, it's closed only 3 days after activated. 

I think it's too rude and bad to do so. I'm in good credit and have the ability to pay. 

I'm confused what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Utah System of Higher Education
State: TX

Complaint narrative:
Please consider to remove my loans I humbly requesting for your help since 2007 while receiving my XXXX in XXXX XXXX XXXX my teacher retirement was pursued after my recommendation and diplomacy certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I was trying to make a withdrawal from both my checki my accounts ... I thought it was the machine but when both accounts were declined I called Chase Morgan bank right away. They informed me that they have decided to end the relationship with me aka closing the account. I received no letters let alone any reason as to why they decided to move forward on closing my account. I informed them that the next day I was to receive a direct deposit of about XXXX bucks from my work which that never went through however my work payroll informed me that it already went through and is unable to write me another check and that I need to contact my bank So now my bank refuses to answer me or give me.my money! It is my money and my account I have ever right to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
On XX/XX/2019, I picked up some mail from the people that had recently bought my house. While going through this mail, I saw 2 credit card bills that I didn't recognize. After opening these bills, I saw that they were fraud. I had never applied for a credit card to either institution in question, so therefore none of the charges on these cards were done by me or authorized by me. I immediately called both XXXX and XXXX XXXX and advised them of the fraud. The cards were terminated and fraud paperwork was sent to me by both companies. I filled out this paperwork and mailed it back. However, XXXX keeps putting negative reports on my credit report. They are now saying I am over 60 days late on my payment to them. I have no obligation to pay for fraud. Their refusal to remove these negative items from my credit report have now damaged my credit. My credit limits have been reduced on my XXXX card by {$1000.00} and my XXXX XXXX credit card had been reduced by {$4000.00}. Once fraud is reported, there should be a presumption of innocence on the part of the person who asserts to be a victim of the fraud. I submit that any credit card company that ruins a person 's credit after fraud has been reported to them is ripe for suit. This has damaged me in my ability to purchase materials to fix up a property I'm working on to get it ready for sale. XXXX has, in effect, robbed me of {$5000.00} in purchasing power to conduct my business as well as caused a reduction in by credit score to where it is now below average. What's left of my credit will probably be ruined as well if they do not remove all items they have against me on my credit report. I was prompt on reporting the fraud so it could be stopped. However, XXXX has not been prompt in removing themselves from my credit report, instead they have chosen to ruin my credit over fraud. I intend to sue them for doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: NC

Complaint narrative:
I mailed three separate disputes to Experian credit reporting agency in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute the validity of certain accounts listed on my credit report. Furthermore, I also disputed the reporting of late payments of certain companies on my report where payments were not late. I requested they verify the inaccurate information with companies who provided them this information. I also requested on all three occasions that they provide me with the method of verification and proof of how the said reported accounts were reported as belonging to me as under Section 609 & 611 of the FCRA. In all three instances, the company has failed to provide me with the method of verification and proof received from the companies to support their reports of disputed accounts as belonging to me and late payments as being accurate on my report. According to the law they are required to provide this to me and to only report information that they themselves ( not via a third party ) have validated as accurate through a copy of the original creditors documentation that they must maintain on file. Additionally, my second and third requests to have them verify the accuracy of the information and to provide me proof of the verification, which I have never received, was denied and reported as information was already verified. This original documentation and verifiable proof is required to be on file and should not be of difficulty to provide by Experian as they reported that the errors on my report were validated. I am seeking next steps towards Experian for their failure to properly investigate errors on my credit report and for failure to comply with Section 611 ( a ) ( 7 ), 611 ( 5 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ( A ) of the FCRA and violation of my consumer and fair credit reporting rights.

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 2019-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I was with Seterus Mortgage company and in XX/XX/XXXXand in XX/XX/XXXX I requested mortgage assistance sending in mortgage assistance documents. I was told on both occasions that I did not qualify for any type of assistance and that I needed to submit payment. On two occasions I wired funds and they were returned because they said it was not the full reinstatement amount. The week of XX/XX/XXXX I spoke with an agent and he said that I may qualify for a repayment plan since my hardship was over. He told me what I needed to do and that I would need to have at least half of the amount I was past due on hand. The next week I overnight a cashier 's check in the amount of {$6000.00} to them with the retention letter that he told me needed to be included. The next week I receive a letter stating that my mortgage was being sold to a company called Mr. Cooper effective XX/XX/XXXX. I called Seterus and asked would this have any impact on my repayment plan process and was assured that it would not. On that same day I received the cashier check back from Seterus. On XX/XX/XXXX I contacted Mr. Cooper and was told that they were considering a loan modification, because I could not be considered for a repayment plan because the mortgage had already gone into foreclosure. Seterus never discussed that with me. I learned on Friday, XX/XX/XXXX that I did not qualify for a loan modification because the loan has previously been modified 3 times. I only recall twice. I was told that I have until XX/XX/XXXX to come up with the reinstatement amount of XXXX. I only have the XXXX that Seterus returned. I feel that Seterus should have not made me think that I was about to be in a repayment plan and now Mr. Cooper won't even consider helping me unless I come up with the full amount in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASHCALL, INC.
State: CA

Complaint narrative:
This is not a duplicate complaint : This complaint is based on information obtained from the company. I am legally entitled to file a new complaint based on inaccurate or non-existent information. 

Cashcall refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. They claim the documents and loan originated from an IP address ( XXXX ) that is not in service anywhere near where I live and work. This loan has been contested over 6 years. The company claims I owe $ XXXX in one statement and then $ XXXX in another. The company claims to have made courtesy calls, that XXXX XXXX XXXX has no record of. The company claims to have forms and documents that they can not provide. 

Based on the information provided in complaint XXXX and prior complaints which is incorrect, I am filing a new claim. These are not redundant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2017, Ocwen Loan Servicing commenced an action in Supreme Court, XXXX XXXX, NY, re-opening a Voluntary Discontinuance filed by XXXX XXXX XXXX XXXX XXXX, ( XXXX ). 

But the plaintiff in this new action, Index # XXXX, is listed as XXXX, not Ocwen. 

Did Ocwen file the Complaint or did XXXX  file it? Answers to this question are requested of both parties.

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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive also contacted the companies and they have answered and said they removed the inquiry but XXXX is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING

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 2019-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was having a problem paying down my CC I called Capital One and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: NY

Complaint narrative:
I was having a problem paying down my CC I called XXXX XXXX and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. Please help!

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 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This debt no longer should be charged off.

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 2019-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was approved for a modification, send all the required paper work, but the mortgage company is still stalling in fixing my account. They are also messing up my credit rating due to them not fixing my account

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 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
There are a couple of things that I have concerns with regarding Lending Point. 

Called my cell and developed right party contact and then called back with my employer number as caller ID Called my work phone with my employer caller ID Added over a {$300.00} dollar late payment on account, no statement available online Can't make a partial payment online Can't change when you want funds withdrawn online ( just day setting up payment ). 
No access to the loan agreement online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/2018, there were 6 inquiries on my credit report. These were all within the span of 2 weeks for one auto loan. Before approving the inquiries I did research on how such actions would affect my credit report. I was assured by TransUnion that inquiries within a set amount of time would be considered one inquiry, provided that they were for the same loan. Instead of 1 inquiry, 6 appeared on my credit report. I was told that the inquiries might show up as 1 after my credit score was updated again, so I waited. Finally, I called TransUnion to ask why there were still 6 inquiries. The representative said that they should be considered 1 inquiry, but that to change their mistake I would need to send a letter explaining the issue as well as proof that the inquiries were for the same loan. 

I did not send proof and a letter, as I believe that this places undue burden on me for their mistake. I let the matter go since I know that inquiries only stay on credit reports for about two years, however my credit score has  just dropped significantly and I am worried that I will not be able to get a lease.

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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I found out when checking my credit report ( XXXX XXXX ) a debt from transworld was reflected on such, no one called me, never received a letter from anyone ..Ive contacted the agency ( trans world ) to get a copy of my debt with them over 2 months ago I hired a company ( XXXX XXXX ) worthless, I told them Ill need to validate my debt if I owe them money Ill pay every penny..yet they told me they dont how long it will take to receive documents..its been over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have used XXXX XXXX XXXX  on more than one occasion. However, the present loan seems a bit out of sorts, since I have been paying more than the monthly minimal payment for over a year, but only a fraction of the payments have been applied to the principal. I understand that lobbyists in California, and maybe even Washington D.C., have managed to legalize loansharking by circumventing common usury laws whereby paving the way for predatory lending. However, sometimes laws need to be tempered with a bit of common sense and morality. I understand that XXXX XXXX XXXX has had issues in the past with the CFPB, if not some other financial regulatory body and I feel strongly that they deserve another look.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
One 2-3 occasions, Navient placed my student loans on forebearance without with my request or permission. This was around XXXX and XX/XX/XXXX and XXXX. They automatically put the loan on forbearance even after I had already scheduled loans that were 5 to 6 days late. In XX/XX/XXXX, I called to change the date of my loan payment. The Navient rep stated I see you put your loan on forebearance. I let her know, you guys did ( Navient ). Im not sure if they can legally make the decision to put loans on forebearance for me since they make more money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I filed a complaint on Bonneville Collections with this division on XX/XX/XXXX. The complaint at that time was regarding the communication tactics used, calling late at night, calling several times a day, etc. I have talked to a representative as often as I could take the call. On one call I was told that I owed a little over {$100.00}. The next day another representative called and told me that I owed {$210.00} dollars. When I questioned the amount they didn't give me an answer. At that time I requested an itemized bill notifying me what the amounts were and what the dates of service were and who the patients were because I had never received that information. I was informed by the representative that by law they didn't need to provide me with that and that I was just to know what I owed them and why I owed them. I asked again for a itemized bill. What I received was a letter dated XX/XX/XXXX that gave me an amount and creditor, no date of service or patient information. The amount on the letter was different than any other amount I had been given. I received another call and asked again for a letter with detailed information around the first week of XXXX. What I received on XX/XX/XXXX was a demand for payment in the amount of {$210.00}. Payment was due in 7 days or I would be referred to their attorney. Bonneville Collections have never responded to my original complaint. It has been ignored. Today XX/XX/XXXX I was served a summons to answer to their attorney and the amount they are requesting or will be suing me for is over {$600.00}. I have never been able to verify the debt. The attorney office of XXXX and XXXX has never sent me a notice to validate the debt. This collection company also has me listed under several different account numbers so we can't verify any of the debt and any attempt to sort this out has not worked and they have not given me any of the information that I have asked for.

Company response to consumer: Closed with explanation