vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 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: Innovis
State: PA

Complaint narrative:
Dear Innovis, Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. 

I did not open or authorize this account, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information and delete all XXXX items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how you are affecting my ability to work and make a living. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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:
From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents

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 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian 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 2017-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genpact Limited
State: CA

Complaint narrative:
I received A letter in XXXX 2017 stating that I had that which was to be collected for my insurance company. However I contacted the company and my insurance company at the time and my pharmacy and was not able to find any payments that were due. The letter said that my insurance company did not cover me at the time of the prescription however after calling the pharmacy and the insurance company is verified that I was covered and they do n't see any charges showing that I owe money. When I talked to the insurance company they tried to call the number on the letter and it just kept ringing and saying to get a number and they will call back. The person at the insurance company said it seems like it must be a scam because I do n't owe them money and this phone number just kept ringing and saying to give my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

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 2017-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery

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 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time

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 monetary relief
Consumer complaint received 2017-10-21 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX - borrower/client. 
Original loan secured and closed in XXXX XXXX. XXXX XXXX financial crisis hit and applied for a modification in XXXX time frame. Took XXXX years since the lender was XXXX XXXX XXXX XXXX XXXX XXXX They were enmeshed in the meltdown and their own bankruptcy. After XXXX years mortgage was sold to Nationstar - XXXX more months of paperwork modification was approved. They simply tacked on the interest accrual of the payments not paid for the previous XXXX years due to their DEMAND no mortgage payments to be made during their XXXX years of time needed to make a decision - repeatedly asking for the same paperwork over and over and then losing it. '' Nationstar adjusted the rate to XXXX XXXX from XXXX XXXX - on a XXXX XXXX. All that did was recast the balance and the payments remained the same as they ADDED over XXXX of principal. I made the payments faithfully regardless of the fact that was ridiculous. 

I have never been late. In this past year XXXX what I did not realize is they were negatively amortizing the 'new adjusted interest increase ' they hit me with XXXX no notification of this ) - in XXXX and have been compounding and adding to the loan principal balance. In XXXX years I have paid faithfully and have NEVER been able to reduce the principal loan balance - in fact, it is HIGHER than I started out with in XXXX. 

I am not late now, but, I applied for them to modify this loan to meet reasonable terms and to comprehend this never ending cycle. The proven value of this property is only XXXX XXXX with a recent appraisal done and market has declined further, yet, I have been faithful in payments. 

After supplying them all my information - good credit - and income that can fully sustain the mortgage - they declined the request for no reason and gave me no basis of this. 

The XXXX XXXX term was up in XXXX - and the adjustment for that XXXX should have gone DOWN - not up. I am and was simply asking for reality in continuing to make reasonable payments while I wait for the market to improve and recover the value - that is STILL not there. 

XXXX XXXX put this in place. Nationstar has serviced the loan now for many years. They have not complied with legal requirements to adjust and or to discuss and give opportunity to remedy the loan and terms. XXXX was a major XXXX XXXX in the market during the meltdown and filed bankruptcy, relieving themselves of any and all debt - that they placed on consumers. 

I would and request this to be investigated. My phone number is XXXX or XXXX. My email is XXXXXXXXXXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I submi
tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX  since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage.
What is the CFPB going to do about this???
Is the CFPB really trying to help me??

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 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Precise Financial Group, LLC
State: WI

Complaint narrative:
On credit report date of collection couldnt possibly me this is not my acct. and it has been verified if so these dates cant be right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc
State: MN

Complaint narrative:
This agency called me about an electric bill. I didnt know about it but told them I wanted to look into it. I also told them they are not to call my cell phone before XXXX cst since I work. Since then I have gotten calls at all times of day since then. I just called back to tell them that I politely asked them to not call until after XXXX ... .they lady told me they cant accommodate that. I told her all it is is putting a note on the file. She said they couldnt do it. I explained that I am a bill collector also and her response was ... well not at this office. I then told her to just remove my number all together. The company is Affiliated Credit Services and I believe they are Minnesota. I told them before that I didnt believe I owed a bill to XXXX XXXX. I still have not gotten a letter from them either. I am attaching some screenshots of my call history with times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
O n XX/XX/XXXX, 2017 my Chase Freedom credit card was stolen. My card was used in XXXX XXXX XXXX, 3000 miles away from my home. I was NEVER in XXXX XXXX XXXX. the following transactions showed up on my credit card statement.
XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$5600.00} I received a information from Chase onXX/XX/XXXX asking me to confirm the transactions. I immediately called the same day of the transactions and reported them as fraud. THE SAME DAY. Chase said they " validated '' the charges as mine and refuse to refund me the {$6800.00} that I am owed. Chase needs to mark these transactions as fraud and refund me the money I am owed. I have also been charged almost {$500.00} in interest charges from these fraudulent charges. They need to be refunded to me. I obviously do n't know my card number for the old card ending in XXXX, but I will provide my new card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: IL

Complaint narrative:
I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation