vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Citizens is deducting taxes from my monthly payment and I am tax exempt as I am 100 % XXXX from XXXX. I have reached out to citizens more than 10 times since last XXXX faxed numerous documents from the tax accessor XXXX cty. No response from citizens. They should not be holding my money in escrow and reset my monthly payment. I can never get a straight answer when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New Rez who we have our mortgage with took two payments out for XXXX. I called them on the XXXX of XXXX and also on the XXXX of XXXX. So far they haven't put {$810.00} back in my account. Took the money out on the XXXX of XXXX. Phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX team from XXXX to refinance my home on or about XX/XX/XXXX. XXXX was my original loan officer, so I felt comfortable giving his team members my personal information. I even provided background information for them to best help my current financial situation. They told me I could go into a conventional loan from FHA, I said I dont think this was true due to my credit card debt & XXXX credit score instead of XXXX +. They told me no worries, we can get it done. I give them my information, they start to proceed the process, they then proceed to tell me to skip my XXXX & XXXX Mortgage payments because they would be paying off the loan in time. I did, however, by XX/XX/XXXX, I had not heard from them for about 10 days. I was starting to get concerned. I reached out via email & contacted XXXX, & his team via their direct lines. I did not recieve contact back until the following monday. They then told me that I had to do an FHA streamline, like I said / wanted in first place. And told me I should pay my XXXX payment to avoid fees, I scheduled it soon after ( XX/XX/XXXX ) but my payment didnt transfer until XX/XX/XXXX. This caused me to recieve a late fee from my current lender & lose out on the 2.5 % I was offered by them & XXXX XXXX ( Current lender ) earlier in the month. I am now being offered 2.875 % Refinance. This will cause my monthly payment to increase & my overall cost of my mortgage to increase as well. I was also asked to give my passwords, & usernames by members of his team because They wanted to get paperwork into underwriting. I believe XXXX & XXXX  team acted in an unfair manner & treated me this way because im young, XXXX years old, & believe I lack the knowledge of an older, more experienced person. I believe they need more training & that they should never treat anyone of any age, race or gender with more respect & urgency like they would of someone with a larger loan or more financial means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a call from capital one fraud department XX/XX/XXXX. After going over fraudulent charges. I requested for the Representative XXXX to look at a credit card end XXXX. I advised I am unable to pay on an account with a fee due to lack of income. Requested to have cancel the card. I was told by XXXX the membership fee would be waived to keep account active. I reviewed the account XX/XX/08 and noticed the fee was still there as well as a late charge. I called to go over the account was told by XXXX XXXX ID XXXX ( no last name provided ) they are unable to waive the membership fee of {$39.00} and I will continue to get a bill and late charges. I advised I was told it would be taken care of and I scheduled the payment for a recent charge and the surcharge connected. He stated nothing he could do. Asked for his supervisor. He said cant get me to a supervisor as he is the highest level. I asked if he had a supervisor he said yes XXXX agent ID XXXX, and that he couldnt get me to them and to have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
My former fiance ' and I refinanced with another company as of XX/XX/2020. Due to domestic issues, we can not have any contact with each other per current civil court proceedings. A check regarding escrow was issued XXXX 2020. As we can not have any contact and as we never had a joint bank account, the check can not be cashed by either party. I requested the check be reissued to the county for its intended purpose, which is to pay taxes on property. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My mortgage service company, Select Portfolio Servicing ( SPSservicing.com ) is refusing to reverse my " 30 days late '' report to credit agencies in XX/XX/2021. I was ill with XXXX in XX/XX/2021 and not able to make the month 's payment until XX/XX/2021. I have been charged late fees and reported 30 days late due to my illness which has affected my credit score by -100 points. 

I would appreciate your help in reaching out to the company. Please advise at your earliest convenience. 
Thank you. 

Monthly Mortgage Amount : {$3900.00} / late charge of {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense they said they were going to send the letter in the mail never came and now i want to sue Company 's Response In response to the correspondence we received, a letter of explanation has been sent. Following is the body of the letter. " In response to correspondence previously received under case number XXXX, our letter dated XX/XX/2020 confirmed that we are no longer reporting the above-referenced account to the credit bureaus and that we had terminated collection efforts. If our trade line should continue to reflect on your credit bureau report, we suggest that you dispute the trade information with the credit bureaus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I know I said they closed the account verily I said as sure at one bank to another found that there was money available in my card, and I did call XXXX Citibank, they said there is no reason to believe the card or account has been closed even if the Savings bank side is saying that, but I do tell you do you have a credit, and go back and tell yourself that we will pay you payback for all things lost or misplaced if you just call us at the Citigroup HQ hotline, and the Social Security Administration told me to call Citigroup or walk into the bank first and as it had happened to him this same thing, and he was robbed, and had his money turned back once he had doesn't mind as just pay as normal his bills, then turn to the theory of account managers of the Citigroup, and they said that they will payback any wrongful charges, and I cried until unto SSA and said they took everything even yours and moms XXXX  and he said go and tell the Citigroup, and I said even they most coercive me to give them a chance to sign up for cool relationships and they aided if I wanted a bride status or bribe roam east and then normal will you felt, but now I'd said, that if you just chat when that monthly fee arrives I suddenly will dispute and pay back that {$25.00} a month, and if you find anyone dispute worthy you tell me and immediately we'll pay it back, but they hadn't not for hotel XXXX XXXX of XXXX and all the fees they change the dates for and now you see i had supposed fees for the late fees of nothing actually, because all by now the cards have gone through if there is any excess charges when each corporate said they got the payments for the complete payment for each card as done to XXXX and XXXX and so on and I have written proof now they're all paid off, then we know if they cancel anything they're running a celebrity with themselves, and well see it in IRS, I AM FEDERAL EMERGENCY MANGEMENT NO ONE TAKES MORE THEIR ALLOTEMENT. I have taken photos of all receipts of cards now paid clearly off, and if there is so much as a question, about my life in Credit and Scoring let the winds march forth as in XXXX XXXX, for Frozen, must be your account heads, then says 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 2021-03-08 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.

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 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AT & T timeline of complaint XXXX - Ordered phones XX/XX/XXXX - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The Experian Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with Experian Report Number : XXXX XXXX Dispute results ready from Experian The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off 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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
THEY BREACHED HIPPA I called the credit company GLA COLLECT, in order to get some basic information after about the debt and how I could possibly owe any amount of money, first they refused to send a written notice. Then after I asked what address did they sent the original 30 day notice to, they sent it to a house I havent lived in in a completely different town!!!!! Not only did they completely fail to give me a notice, they sent the original to the wrong place AND on top of that breached my right to privacy through my health care provider, this is unacceptable and if changes arent made further action will be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to JPMCB - CARD SERVICE ( Date opened XX/XX/2012, Responsibility Authorized User ) I am kindly requesting JPMCB - CARD SERVICE agency to remove this collection from my credit reports as a gesture of goodwill, because the cardholder is no longer alive ... Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX  XXXX/XXXX, XXXX  XXXX, US Small Business, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
THE ACCOUNTS LISTED FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO AND TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation