vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We signed on a mortgage with two other people. We never intended to live in the home. 
They could not qualify for the mortgage alone. agreed to sign with the and at first the mortgage was paid on time and everything was good. Then we learned that the mortgage was behind and facing foreclosure. We were able to modify the loan and take the two people off of the loan that lived in the home and we thought we would have been able to come off of the loan and the home would be in their name only. 
That they could and would be able to own the home with our names off of the mortgage. 
Well, that did not happen. they separated and finally divorced. After as i mentioned before we were able to modify the loan, we did not live in the home. We had an attorney and a real estate broker who came to us and convinced us to let them manage the property and collect the rent, they even selected the tenant and collected the rent. 
They were supposed to make the mortgage payments. They took all of the rent money {$48000.00}. that they claimed they did not collect. 
They would not give us possession of the property, we found got possession and now I am living in the home with my XXXX children. I am working and can afford to make the mortgage payments. All that I am asking is that the bank would work with me and give a chance to save the house. I am able to making a sizable good faith down payment if necessary.I ask that Chase would give me XXXX XXXX a chance to save the home and do what is right by making my payments for the home I now live in. Please help me and my children. At this point I never had a real chance to work with Chase. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group
State: MD

Complaint narrative:
On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA,  my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: TX

Complaint narrative:
Experian is reporting negative trade lines. See attachments below.

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 2019-01-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Without any notice or warning, on XX/XX/XXXX, Barclays closed both of my wife 's credit cards ( XXXX XXXX and XXXX  ) and all three of my credit cards ( XXXX XXXX, XXXX  and XXXX XXXX ). We only found out when I tried to make a {$0.00} purchase at XXXX, which was repeatedly rejected to my embarrassment. Only by logging onto my wife 's and my online account, did I discover the account closures. I promptly called Barclays customer service and was politely and apologetically told by the customer service agent that the accounts were closed due to our account usage, and that a letter would be forthcoming, but that the decision was irreversible and nothing could be done. 

By way of background, with respect to the XXXX XXXX cards, my wife had paid an annual fee of {$99.00} on XX/XX/XXXX, and I had paid an annual fee of {$99.00} on XX/XX/XXXX. With respect to the XXXX cards, my wife had paid an annual fee of {$89.00} on XX/XX/XXXX, and I had paid an annual fee of {$89.00} on XX/XX/XXXX, in each case, just 11 days before closing our accounts!. Finally, with respect to the XXXX XXXX card, Barclays cancelled all XXXX of my rewards points. My wife and I had been saving these points to use, in part, for a free cruise for our 25th wedding anniversary in XXXX XXXX. The redemption value for these points is up to {$0.00} per point, valuing these points at {$16000.00}. My wife and had not previously used these points as we were waiting to redeem these rewards against the more expensive cruises to get the maximum redemption value. We were not interested in redeeming for less than {$0.00} per point. 

My wife and I had Barclays cards for nearly 10 years. Most of the XXXX XXXX points had been accumulated over the past 2 to 3 years. During such time, Barclays increased the credit limits on many of our cards, encouraging us to spend more, and Barclays made a tremendous amount of transaction fees with respect to our spending transactions. Due to the account closures, Barclays had been unjustly enriched by ( i ) retaining our annual fees and ( ii ) by  cancelling our XXXX XXXX points and depriving us the ability to redeem them for {$16000.00} in credit towards XXXX XXXX cruises. It is unjust and unreasonable for Barclays to permit us to use its cards, thereby generating substantial transaction fees, only to cancel our rewards point before we could redeem them.

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 2019-01-16 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: NV

Complaint narrative:
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 non-monetary relief
Consumer complaint received 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting unverified derogatory tradelines on 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 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX to TU. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors

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 2019-01-16 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: TX

Complaint narrative:
Equifax is reporting unverified derogatory tradelines on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: NV

Complaint narrative:
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 2019-01-16 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: NV

Complaint narrative:
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-CONSUMER-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. Once they did not respond at all. The seccond time, they provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking be deleted.

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 2019-01-16 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX  to XXXX. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was already blocked by the FTC and outlined in my complaint the charges showing as charge-offs are not only incorrectly displayed but also the result of unauthorized charges the account was closed behind me because of it and the deposit held for the remainder of the charges by the bank

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 2019-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have contacted Nelnet several times the last time was in XXXX  regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX  College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is against Chase freedom visa credit card. I have been using it for more than a year but I have started having issues with this card. I see some of the transactions that do not belong to me nor were they authorized by me. Id really appreciate if you could resolve this issue. I made a complaint to Chase freedom directly and they have cancelled the card. A replacement card has been issued to me, however I still see the charges on my account and hasnt been dismissed. Id like to request u to cancel the following unauthorized charges : 1. On XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX 2. On XX/XX/XXXX - {$370.00} XXXX XXXX 3 . On XX/XX/XXXX - {$21.00} XXXX 4. Theres a charge of {$59.00} in the name of XXXX on XX/XX/XXXX, 2-charges of {$140.00} on XX/XX/XXXX and few charges of {$16.00} on the same day. I really dont understand them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NE

Complaint narrative:
We called USbank to inquire about the interest that accrued on the account. We thought we calculated the correct amount to pay for any purchases that would accrue interest. We received the statement which showed that even though we paid over the amount of our purchase that month, we were still charged for interest. We only have 0 % bonus transfers besides the purchases. The supervisor ( XXXX  ) was not able to articulate where the interest accrued or off what balance. He said that only of we paid off the entire balance that we would not be charged this interest. I feel if USBank can not provide a payment history or how the interest was calculated, then this is a deceptive practice. When we saw this the prior month, the interest charge was removed after speaking to USBank. We would like to understand how to avoid interest charges on our purchases.

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 2019-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: TX

Complaint narrative:
The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Centron Services
State: CA

Complaint narrative:
I have been receiving phone calls who are trying to harass me over the phone. They have been asking me that I have to pay some amount to someone in Montana. I thought it was a wrong number but I have received a letter today asking me to pay {$74.00} to Creditor : XXXX XXXX XXXX - XXXX MT. 
I really dont understand who they are and why are they harassing me. This is ridiculous and Im tired of their constant nagging. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Upon reviewing my credit report from XXXX  on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both LVNV Funding and XXXX XXXX XXXX are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I incurred charges by 2 merchants for the month of XXXX-XXXX  2018. I filed a claim and Netspend sent me a letter telling me That upon investigation an error had occurred involving these 2 merchants and issued me credits. However they had not found any error for the Transactions by these 2 merchants that occurred in XXXX  because I didnt file within the 60 days. I did file my claim online on their website. They said they have no record. I have proof that I did file and that their website isnt fully working.But the corporate guy said it made no difference. He wouldnt even let me provide my proof. In fact he sent me a denial letter on XX/XX/XXXX. He called to speak to me directly on XX/XX/XXXX because I was disputing the ruling. So its obvious that no matter what I said he had already made up his mind. The card holders agreement that has a clause that states Netspend may extend the 60 filing period if a good reason such as hospitalization is the reason for missing deadline I would think having a website that supposedly lets you file a claim that turns out isnt working and disputes arent being directed to Netspend is a valid reason. Furthermore Netspend had issued me credits for fees on another claim that wasnt filed within the 60 days. The merchant returned monies owed but the fees was credited by Netspend

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 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Upon reviewing my credit report from XXXX on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both XXXX XXXX and Portfolio Recovery Assoc are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.

Company response to consumer: Closed with explanation