vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. 
I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. 

My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. 

I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 

1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple.

I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?!

After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: AR

Complaint narrative:
I faxed mortgage modification request and financials to XXXX XXXX   XX/XX/2018. 
I've had a change in my financial circumstances I need assistance with bringing my mortgage current. A follow up call was made to Selene XX/XX/2018 inquiring if they received modification documents and financials and if there any other documents needed at this time. I was informed by XXXX Selene modification dept. the documents were received, the property foreclosure sale wouldn't be put on hold even though they had all required documents in their possession and the file is being processed.Selene has been uncooperative and hard to work with. I feel they are discriminating against me and trying to let my home foreclose. I don't want to lose my home.I received a property foreclosure letter from the Attorney XXXX and XXXX dated XX/XX/2018 with a property sale date of XX/XX/2018. I researched the Tennessee statue in regards to property foreclosure sales and Tennessee Code Annotated states the homeowner is to be given 30 day notice prior to the foreclosure. I did not receive the 30 day notice as required by Tennessee Law. Please, Please, Assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
All our bank of america accounts were frozen. They will not give us a reason why. We can't access our funds, close our accounts etc. This has put us in an awful financial situation! This isn't fair or right! Any assistance you can provide would be greatly appreciated! 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed XXXX has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Earnest Inc.
State: CO

Complaint narrative:
Earnest ( www.earneset.com ) asked about monthly expenses, including rent. I do not pay rent ( my spouse pays all of the rent and since they do not consider spousal income, they should not consider spousal monthly expenses ). They refused to accept that I do not pay rent when considering my loan and offered me a higher interest rate than I should have qualified for based on my monthly expenses. Additionally, they refuse to consider assets and property when calculating interest rates. They are currently considering household debt and monthly expenses, but refuse to consider household income. I believe these tactics of selectively considering income and assets is in an effort to ensure they are able to keep their interest rates high and make their advertised interest rates unattainable. This occurred from XX/XX/XXXX-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?

3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? 

4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?

I demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I received a alert to my experian report that XXXX XXXX flagged my report in a collection pursuit. I immediately sent out a debt verification letter being I had no received anything prior to this. I had also sent a verification request to experian. I never received a call nor letter from the debt reporting agency but experian wrote stating it was verified without showing HOW it was verified. Upon reading the law, I learned FCRA 809 ( a ) requires the debt collector to CONTACT the consumer to rectify the situation prior to hitting credit reports. They are required by law to provide the consumer 30 days to dispute or request verification. This company NEVER did this. The first I knew about this debt was by my credit report alert. Since this date, they had alerted my report for new collection XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 5 times they reported this debt to experian alerting me of a new collection. This is the same collection being reported FIVE times in a month! Furthermore I have XXXX XXXX ( who they claim I owe ) now in MY NAME and never had any issues in obtaining it. I only owe current bill of {$86.00}. I have been in my same home for 6 years now. This company refuses to answer my letter verifying the debt, they continue to report over and over to the credit report which is hurting my scores and experian refuses to answer to how this was verified. Being such, by law, this is to be removed from my 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 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Consumer justice : XXXX XXXX and Case Bank On XX/XX/18 I flew XXXX XXXX to XXXX AZ to visit my Uncle who was battling XXXX. At the airport I was approached by a representative of XXXX XXXX and Case bank - promised me XXXX points if I signed up for and was approved for their XXXX XXXX Visa card. Planning for the future when I would need to return, I agreed and signed up. I was approved - then they said " oh you don't get the points now, you have to spend {$2000.00} in the next 90 days to get the points ''. So I did that. In less than 60 days even I have spent more than {$2000.00} on their card ( for qualified purchases even ). As of XX/XX/2018 I have spent {$2000.00} Now they say " oh no you can't have the bonus NOW. You have to wait till the end of the billing cycle - which is XX/XX/XXXX. And even then it could take 6-8 weeks for the points to transfer.

My Uncle passed XX/XX/18 - the memorial will be XX/XX/18 I only signed up for the card so I could go back for the funeral. 
I talked for 6 hours to Chase ( Customer service Reps : XXXX and XXXX and Supervisors XXXX, XXXX and XXXX ) and XXXX XXXX ( CSR XXXX ). And while they assure me they are sorry for my loss - they will not honor the original agreement. They promised me XXXX travel points as a bonus for signing up. I did my part. They won't find or even look for another way to accomplish the same goal. 
All I have gotten are excuses and policy quotes. 

The will not accept responsibility for their representative and honor our agreement ( XXXX point for singing up and getting approved ) - even though I went beyond and met their " Extra '' requirement of spending.

I even found another version of the same program with lower conditions ( XXXX instead of XXXX reward points for spending {$1000.00} vs $ XXXX ). I did that within the first billing cycle. So they could just change me to the lower program and I would have met all the requirements and they could get me to XXXX. 

There is no help from either company. I can not afford {$700.00} in plane fare. 
The initial promise from the man who signed my up constitutes fraud - Why can people not just own up to their responsibility and do what they say? I don't care I just want to go to my Uncles funeral. 

Can you do anything to help get me to XXXX? The funeral is XX/XX/XXXX. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I repaid in full and closed my auto loan with XXXX XXXX XXXX on XX/XX/2018 ( account number XXXX ). This has not been reported by FICO and my credit score has got impacted due to lack of payment information. I get this message when I do my credit check with XXXX based on Equifax FICO Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax keep reporting inaccurate information on my credit report. What's reporting inaccurate is my address, and a few accounts I've been disputing over a period of months even a year. Equifax would remove/delete inaccurate items and addresses when I dispute with proof, and then add it back on my credit report with no warning or any proof that its mine. Plus they would send me a letter stated deleted, and it was never deleted. Under the 609 FCRA the credit bureaus must prove that the account is mine with a contract, agreement and provide a reasonable investigation with proof. I disputed my address on XXXX, XXXX and received a letter back from Equifax XXXX XXXX, XXXX stating that the inaccurate addresses was deleted. However I still seen the addresses that I disputed still remaining on my personal information part of my credit report. I called XX/XX/XXXX and spoke with a supervisor and she mention that the confirmation number we have is the same as the one they sent me but the deleted items on the report are different from the report I have. They are scammy and fabricators. The deletions she gave me was from another previous dispute I did back XX/XX/XXXX and they switched it on there records and made it like I just been disputed on XX/XX/XXXX and use the account number as if it's a new dispute. Equifax is violating the consumers rights by such a frivolous action by doing such. Please delete inaccurate information that you know you can't verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed Experian has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my 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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my 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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sold an item on XXXX which was a digital code for a game I had to send the code through XXXX messaging I received a message saying the person did not make the purchase I thought they were just having second thoughts because I did not deliver the code right away So I double checked by sending them a message to see if they still wanted the code or they wanted a refund and they said they wanted the code So I sent the code and then after I sent the code they say their account is hacked and do not communicate with their account So I call XXXX and explain the whole situation and they end up releasing the money on PayPal to me So a couple of weeks go by and then I get an email from PayPal saying there was a dispute and so I call PayPal about the dispute and I explain what happened and they tell me to appeal the dispute and I did what they said I get the results of the appeal and I somehow loss and the reason was I have no protection for intangible items but under XXXX buyer protection the buyer had no protection to make a complaint on XXXX so the buyer went around XXXX and did it through their bank So I called Paypal the day I got the results and asked why I lost and I explained again what happened and he said he would allow me to appeal again So I called XXXX to let them know what was going on and they said let 's do a 3-way call with Paypal and then when we call PayPal the agent tells me I am not getting an appeal and I will not be getting credited back the XXXX dollars they charged me which is split up by XXXX for the item and XXXX for a chargeback fee So the buyer went around XXXX by going to their bank and I am having to pay for the buyer 's mistake

Company response to consumer: Closed with explanation