vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

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 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: HI

Complaint narrative:
X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: IA

Complaint narrative:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

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 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: KY

Complaint narrative:
I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I ( XXXX XXXX ) was the victim of identify thief. I co signed a family member student loan note and subsequently the family member used my information to obtain additional student loans without my authorization. In addition XXXX XXXX home loans, informed the three credit bureaus my home equity loan payment was late for the month of XXXX 2017XXXX, I contacted XXXX XXXX and XXXX XXXX issued a letter stating according to their records there are no records of a late payment for my home equity loan account. <P/>I have attempted to contact the three credit bureaus ( Experian- XXXX XXXX, XXXX XXXX XXXX and XXXX-XXXX XXXX. Emails for all three bureaus are inaccessible and all three credit bureaus phone number offer credit reports and I was unable to speak with a live person to raise my concerns.

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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX  show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.

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 2017-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Last week I received a telephone call from someone trying to collect a {$29.00} outstanding balance on a Kohl 's Department store credit card. I do n't remember when the account was opened, but it was only a couple of months ago while I was making a purchase. On XXXX XXXX a payment came out of my checking account in the amount of {$100.00}, representing what I thought was the balance on my account. I was surprised that I was receiving a collection call and I informed the caller that had not received a bill for this outstanding amount. When the caller checked the records, he noted that their system had the wrong house number and a misspelled street address - a reasonable explanation for not receiving my statement. Thinking that this might have been some type of fraud, I informed the caller that I would call Kohl 's myself and made a payment over the phone. The {$29.00} was debited from my account on XXXX/XXXX/XXXX. My concern is that when I received my updated credit report yesterday, my credit rating dropped from good to fair because of the negative information posted by Kohl 's. I think it is unfair, but I am not entirely sure if there is anything I can do to have this information reversed. Any help you can provide will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: GA

Complaint narrative:
Inquiries not approved by me, some inquiries were removed and put back by Transuion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-06-21 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: AZ

Complaint narrative:
I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.

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 2017-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.

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 2017-06-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.

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 2017-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Integrity Solution Services, Inc.
State: AL

Complaint narrative:
A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.

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