vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I only use my VISA check card when I pay bills on line, shop, deposit a check are cash, thru the ATM or withdraw money with my pin. I don't use my card a lot at all, so when I discover charges on my account, I could member wear my card was located during that time. I phone the claims department in XX/XX/XXXX late night after I got off work. I told them about some claims in my account from the same merchant. The claim department told me is the claims were 60 days old they could recover the monies unless, in was in jail, incarcerated, in the Military or the hospital. The claim department stated that was chase rules, I never read chase rules because chase brought out my bank Washington Mutual so I inherited chase bank. The bank put a temporary credit in my account during the investigation and I waiting until I received a respond from the bank. 

In the month of XXXX my account was overdraw for XXXX when I called the bank they stated the claims were 60 days old and they couldn't recover the funds. A few weeks later they overdraw my account another XXXX when call I was told the card has a chip and the cards was use even I report lost when I couldnt find the card. The chip in the card can't be compromise. So I file an appeal on XX/XX/XXXX with the claim department and I was told they would contact me in 3 to five days. On the XX/XX/XXXX I call again and was told it was denied so I question then about the card lost so I was told they would get back to me. On the morning of the XXXX I try to quick pay monies of XXXX and the account showed an error. I called Chase and I was told I need to spoke with the fraud unit and they gave me a number to Ms. XXXX XXXX at XXXX. Ms. XXXX stated she had my account because of the claims pending my account was overdraw and they sent it to he unit. Ms. said she put my join account on hold and was taking any monies I had with the bank apply to the claims. 

I informed her I never got another response from the claims department from my appear. I was told to call the claim unit! I called claim unit was told the back offices still had the claim. I reach out to the claim unit again on Monday XX/XX/XXXX they said again it didn't matter about the card being lost the claims her denied. The federal government said let the banks fall in XXXX when they gave the taxes payers money to the banks, chase got XXXX XXXX dollars to lend out and they keep the moneys and made profit. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Collection Resources, Inc.
State: FL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account COLLECTION RESOURCES INC Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that COLLECTION RESOURCES INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I have been in a debt consolidation company for the last year and a half and have been paying this company through the debt consolidation company I have been paying XXXX a month to pay off the balance and only owe XXXX left which they initially agreed upon now they sent me to collections and are trying to make me pay the full balance which I already been paying down only owe XXXX. This does not seem right it seems fraudulent to me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I bought my first home in XXXX after the home financial crisis and received an incentive from the government, XXXX dollars. I never knew or read the fine print about this help so I was happy and confident that I didn't owe anything besides the actual amount I owed for my home going from XXXX to XXXX in 9 years. Now in XXXX I refinanced my home with XXXX XXXX and with my home equity I paid XXXX dollars of my car and XXXX in credit cards debt. But XXXX XXXX found out that I also had to pay the government back those XXXX I never knew I owed. I never knew this incentive to buy the first time home around XXXX HAD TO BE PAID BACK ANYTIME I wanted to refinance or sell, etc. I thought this money would be forgiven after some time, let 's say 5 years. After 9 years I HAD TO PAY BACK XXXX dollars to the government. I do not think this is fair. 
I have my mortgage with XXXX XXXX XXXX  and neither the bank nor XXXX XXXX   know anything about this incentive and the way it works. 
I hope I can have an answer about this issue. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of 2018 I applied for the XXXX  card with Capital One Bank, they approved my card but told me that my credit score was XXXX, I checked my credit report at XXXX as they suggested and it shows my credit score is XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Capital One Bank told me that my APR would be 23.99 % because of the XXXX credit score they made up instead of 13 they advertised for people with excellent credit score. I believe that Capital One lied about my credit score just to give me a higher rate on my credit card. I called them to try to resolve this issue after I received my actual credit report but they said that they were not able to lower my rate. After I told them that I would like to close my account they told me that I would never be able to open an account with them again. All of their customer service reps were polite and professional at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the following date : 30 days late as of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XXXX of 2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX s and hide two and attach my wages thats going to kill me and make me homeless!!!!!

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I authorized approximately {$160000.00} in charges using my chase XXXX credit card. The company billed for additional {$34000.00} with neither my permission or authorization at a late date. I reported this fraudulent charge to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed that the XXXX account was closed on XX/XX/2018. This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!

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 2018-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed that the XXXX account was closed on XX/XX/2018.  This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Westlake Financial has stopped my access to online bill pay, making the only way that I can pay them through the phone. There have been two incidents in which Westlake Financial has acted in bad faith through verbal communication, causing me to no longer be able to communicate with them through the phone. Additionally, any attempts to email them have not gone addressed with a personal response, only their automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I applied for a TD bank card for 0 % charge for 15 months on balance transfers. I have the original paperwork. They now state it was only 12 months and are charging Interest at an extremely high rate. I contacted them to solve the problem and spoke with a supervisor who was not able to resolve the issue. I think they do this to scam people into using their card then charging high interest prior to end of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access.

Westlake financial has my address on file as well as my email address and could have used either to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I FELL BEHIND PAYING MY MORTGAGE XX/XX/2016, I HIRED THIS ATTORNEY IN XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. THE MORTG. SERVICER IS SLS OF XXXX XXXX XXXX. XXXX COLORADO.THIS COMPANY HAS NOT SENT ME ANY MORTGAGE STATEMENTS AFTER XX/XX/2016, THEY FORGED A ROBO-SIGNATURE ON ALL THERE DOCS TO MY ATTORNEY AND MY SIGNATURE ON PAPERWORK THEY SENT TO MY ATTORNEY IS NOT MINE. ALSO THEY REFUSE TO SETTLE OR GIVE ME A MORTG MOTIFY, BECAUSE OF MY AGE/XXXX, AND THEY ARE DRAGGING THIS OUT ADJORNING THIS CASE AS A RETALIATION AND CAUSING MY DEFAULT TO MY MORTGAGE SIGNIFICANTLY SO I COULD NEVER PAY THE ARRERS OF MY DEFAULT AND FORCE ME TO CLAIM A CHAPTER XXXX BANKRUPTCY.

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 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF 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 2018-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My brother died 3 years ago and as such I received the proper paperwork from the courts to handle his estate such as it was. Our estate attorney suggested that we keep the property for 2 years and then sell. We did so for 3 years and then tried to sell the property. Upon doing the closing paperwork the company found a hiccup and it prevented us from going to closing. I then called Bank of America and  asked if they would take a short sale or a deed in lieu and was told emphatically NO. I was told that the property would have to go through a cascading process. It was then ( XX/XX/2018 ) that we stopped paying the mortgage. Now bank of America tells me that if I want to sell the property or short sale, or deed in lieu, that I personally will have to ASSUME the property for that to be done. I don't understand that if I was given power to handle his death, then why can't I handle this matter without turning my life not to mention my credit upside 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
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Credence Funding Corporation
State: FL

Complaint narrative:
CREDENCE FUNDING CORPORATION ( XXXX XXXX ), XXXX AND XXXX XXXX   ( XXXX XXXX ) ARE ALL ENGAGED IN AN ACTIVE CONSPIRACY TO WRITE FRAUDULENT LOANS FOR ELDELRY PEOPLE FOLLOWED BY THEFT OF HOME USING COMPLEX AND ILLEGAL ESCROW MANIPULATION TO CONFUSE AND ROB THEM. SPECIFICALLY IN THIS CASE WE HAVE A LOAN WITH MISSING ITEMS ON LOAN AND ESCROW DISCLOSURES, AND A THEFT OF {$1500.00} FROM THE VICTIM 'S ESCROW ACCOUNT AFTER HER HUSBAND DIED.. WE HAVE A LOAN THAT NEVER MATCHED THE PAYMENT QUOTED AND A HOUSE PAYMENT THAT DoUBLED SEVERAL TIMES DURING THE COURSE OF THIS FRAUDULENT LOAN 'S EXISTENCE. XXXX EMPLOYEES CONFIRMED THE MULTIPLE COUNTS OF LOAN FRAUD, A COPY FROM THEIR LETTERHEAD IS PROVIDED HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Kriya Capital, LLC
State: FL

Complaint narrative:
The dispute process with Credence began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). Credence did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. Credence failed to provide any of these. To date, they are currently reporting this entry on XXXX and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for XXXX to send a fully updated, current report to me that reflects this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Verisk Analytics Inc
State: VA

Complaint narrative:
I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. 

I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. 

My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. 

I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: DE

Complaint narrative:
I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my 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 explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have contacted a person for apartment, she is asked me to send the deposit then I sent her deposit in three transactions ( {$550.00} total ) through XXXX- Transfer, later she is not answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA

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