vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Identity was stolen on XX/XX/XXXX. Chase claims this was unrelated to them closing my account, a week later on XX/XX/XXXX, but I don't believe that. Also, one of the credit cards I was using had a {$450.00} annual fee which Chase has refused to refund me, despite me not wanting the account closed. This decision also came conveniently right after the 30 day refund window closed. Coincidence? I think not. Before Chase started ruining my credit score I was just under 800. Now I am around 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

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 2018-03-24 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: AE

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: AE

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

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 2018-03-24 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: CITIBANK, N.A.
State: AE

Complaint narrative:
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 2018-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
2 statements attatched. One showing a hefty XXXX  dollar fee and the other showing one below a dollar that is extremely easy not to notice if you aren't always reading every bit of your statement.

Charged me debt prot fee i never agreed to. I have filed a report once but their response was that it was all my fault for not noticing the charges. That i had been signed up since 2008 which is when i was XXXX  and jobless so WHAT IS the purpose of this fraud insurance anyways? We know though.

Either way they took my money without my permission and are refusing to give it back just because I " did not notice ''. Well, i notice now. Never used it. Didn't know it was there. I want my money back and am not going to EVER stop until I do.

If someone took XXXX   dollars from my wallet and I did not notice for awhile then found out later they dont get to tell me " Oops, you didn't notice for awhile. OH well. '' Shouldn't be hard for them to refund for money they took for free anyways.

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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017

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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 2018-03-24 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: AE

Complaint narrative:
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was looking for information about rates for refinancing my new car to a lower rate, on XXXX XXXX. There is no written explanation of who they are giving information to to allow them to start hard inquiries on their own. I received two unsolicited hard inquiries from different companies, which has hurt my credit. One was a used car dealership, Wells Fargo. I was NOT looking for a loan for a car. I was looking to refinance. XXXX XXXX told me to call Wells Fargo Dealership services to have this removed. Wells Fargo told me to call XXXX XXXX  to have it removed. No help from either. I feel that this is unfair and unsolicited. What is the law, in that I could have, say, 20 hard inquiries to look for a refinance? Where does this end? I had to lock my credit report so that there would be no more hard inquiries. All I am asking is that they excuse a hard inquirry from my report. They will not help and were rude about it, and taking no responsibility for this at all.

XXXX XXXX will send your information to many different companies ( reputable or not ) and you will see multiple hard inquiries when you didn't even ask for a loan. Just was seeing what is out there in regards to refinancing.

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 2018-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.

I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX  that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.

My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.

I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.

My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.

Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.

In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.

As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.

On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.

My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.

However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.

In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  AND XXXX XXXX TRYING TO CHARGE EXCESSIVE FEES ENCLOSED ARE DOCUMENTATION THAT WAY OVER THE AVG COST FOR CLOSING WITH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I WAS NEVER UNDER TH IMPRESSION THAT I WERE USING ALL LOANS TO COVER SCHOOLING. I WAS UNDER THE IMPRESSION THAT I WAS USING FINANCIAL AIDE AS WELL.i NEED TO KNOW WHY WERE SO MANY LOANS BEING USED.AND AFTER SCHOOL I FIND OUT THE CLASSES WERE NOT  ACCREDITED. PLEASE CONTACT ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
My credit report is showing a collection debt for a medical bill, which was paid in XX/XX/XXXX : Company : Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$240.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX  : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX  have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX, I had loveloft credit card ( that I have never had one ) I wish to call your attention to an issue regarding my loveloft credit card that I have till this day never received. I received a statement onXX/XX/XXXXregarding payment of a bill of {$300.00}.

While I was shopping for I was approached by one of the sales representative who adviced me to apply for a credit card which required my social security number.

While I was shopping for a necklace which is XXXX  $ and earring : XXXX  $ .during XX/XX/XXXX summer ; l havent received any call, any notice bill, any email.bank and loft company didnt communicate with me.

I m surprise to see the XXXX  $ bill. Still this date I have not received any credit card supposedly applied for.

I m shocked to receive this bill, I cant effort to pay this money that I m willing to pay necklace and earings ... I dont recognize this exorbitant bill.

I called XXXX XXXX where is located at OHiO, customer representative even didnt listen to me, while I was complaining about situation, she started yelling at me and insisted that I have to pay cuz its too late I already rang them over the phone she threatened me in ugly way cuz of I was looking for a number to call ..how come you can insult someone just because I had a call? I even dont know where is my credit card its effecting my credit score! I need urgently to understand and whats going on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to violate my rights under FCRA. I have disputed several times regarding XXXX XXXX  University. The account was settled in XX/XX/XXXX and I was informed XXXX  would not report to credit bureaus. Screenshot showing settlement uploaded. In XX/XX/XXXX, Experian begin inaccurately reporting this settled account as a collection account with late payments in XX/XX/XXXX. They also reported it inaccurately as an unsecured loan. So now my credit report has a derogatory account showing a late payment in the last 30 days. I contacted XXXX XXXX, a Collections Manager at XXXX XXXX University about my issue. His contact information is XXXX XXXX  Collections Manager XXXX XXXX University XXXX   ( office ) XXXX ( cell ).

He sent me an email stating this was an error and he would make sure to remove it from my credit report. Screenshots of email uploaded. I called Experian to share this info and was yelled at by one of their Customer Service agents who dismissed my concern onXX/XX/XXXX. Ive never felt so belittled. I would like to pursue suing Experian, not only for, inaccurate reporting but for XXXX XXXX as I am a person with XXXX. What recourse do I have?

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 2018-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?

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