vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a loan through Chase Bank that was heading into foreclosure in XXXX but I sold my home ( for more than what I owed ) before that happened. I recently learned ( while applying for a loan ) that my previous mortgage is being reported by both Chase Bank and XXXX XXXX under two different loan numbers, which to potential lenders appears as two bad past mortgages instead of just one. XXXX XXXX was handling the foreclosure and I let them know in XX/XX/XXXX that I had accepted an offer on my house with an XX/XX/XXXX closing date. On Chase Bank 's behalf, XXXX XXXX provided instructions ( dated XX/XX/XXXX ) to issue the payoff to Chase Bank in the amount of {$680000.00} which included additional interest ( in the amount of {$4400.00} ) calculated through the end of XXXX. The property closed as expected on XX/XX/XXXX and XXXX XXXX says they sent the funds via XXXX XXXX  next day delivery. <P/>I 've attached an eleven page complaint that I filed with Chase Bank on XX/XX/XXXX. Today, XXXX XXXX ( Chase escalations ) called and told me that since Chase can not find where they received the funds, there was nothing he could do to help and suggested I reach out again to XXXX or XXXX XXXX  XXXX. <P/>I learned that sometime between XXXX XXXX and XX/XX/XXXX Chase transferred my loan in the amount of {$680000.00} to XXXX XXXX after it had been sold, closed and funded. I also reached out to XXXX  XXXX XXXX and learned ( for the first time ) that on XX/XX/XXXX XXXX XXXX returned the XXXX XXXX check ( made payable to Chase Bank ) and requested a new one to be issued to XXXX, almost two weeks after the closing date. I 've attached copies of the XX/XX/XXXX correspondence from XXXX XXXX 's. On previous telephone conversations with Chase Escalations, I was told that their notes indicated an XXXX XXXX letter informing me of the loan transfer but they could n't find a copy. Today, mysteriously they were able to find a " Goodbye '' letter dated XXXX XXXX. I do n't have a record or recollection of receiving that letter and it 's apparent Chase did not inform XXXX XXXX prior to the XX/XX/XXXX closing date either. Additionally, the " Goodbye '' letter advises payments made after XXXX XXXX be sent to XXXX but the property closed on XXXX XXXX. <P/>I realize that loan servicing transfer 's are common practice but it 's not my fault that Chase Bank and XXXX XXXX failed to communicate with one another. This loan never should have been transferred to XXXX since both Chase and XXXX XXXX was made aware of the sale in XX/XX/XXXX. It 's obvious that someone sat on the payoff check for almost two weeks. I called XXXX today but the agent could barely speak English and was no help, nor could she offer advice for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: FL

Complaint narrative:
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XX/XX/XXXX.
<P/>
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX with  XXXX, XXXX, and Equifax credit reporting agencies.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: FL

Complaint narrative:
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX XXXX 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 2017-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. <P/>Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
The amount of the payment is so high, I ca n't even begin to try to repay, and when I have told navient this, they send me to forbearance and will not allow me to make payment that i could afford, and now my accrued interest is so high the only thing I can do now to get a payment I can maybe afford is to default and have it taken out of my pay check. I have been placed in forbearance since 2013 and now I have XXXX dollars accrued in interest, I want to pay, but they wo n't except what I can afford and just keep redirecting me. This has also put my credit report and score into a bad place so I can not even begin to get any help to try to reconfigure or consolidate my other loans so I could be able to pay a large payment on these. The interest on these loans is so far out there no one could begin to ever get caught up. Now I do n't know that I will ever be able to help my other son ever go to college. My son was not even able to finish getting his degree it became so expensive. I was suppose to start paying the XX/XX/XXXX like XXXX dollar payment and they changed it to XXXX prior to the first payment and now I am unable to pay them and is now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received my annual credit reports from the XXXX reporting agencies, XXXX, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is Capital One. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to Capital One as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against Capital One, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX I called EOS CCA loacted via XXXX XXXX XXXX XXXXXXXX, XXXX MA XXXX, with a phone number XXXX and spoke to a XXXX at about XXXX and told her that I had recently received this letter/statement with a demand to pay dated XXXX XXXX XXXX and that I would like to orally dispute the debt. It stated that the debt was for {$280.00} for original creditor XXXX. I informed XXXX that I do not know anything about this debt and that I saw they had placed the information on my credit report where she then informed me they do n't really have to verify any debts. They place the debt which they purchased from XXXX on XXXX XXXX XXXX. I informed XXXX that the collections is reporting XXXX XXXX XXXX and that it is negatively impacting my credit and Id also like the to provide me with a copy of the contract she now claimed that I signed with them. She then stated well we purchased the debt from XXXX and now you owe us. I asked XXXX to delete this collections they have placed on my credit she said they would not until I paid. I asked her what actions they will take about my oral dispute XXXX stated that I need to put the dispute in writing and that is the only time they will pay any attention to me. XXXX also stated they sent prior communication some time in XXXX that I never received. I asked her then if they purchased this alleged debt XXXX XXXX XXXX why did it report XXXX XXXX XXXX and why am I only now receiving this communication? XXXX stated she did not know but I can put my dispute in writing and they will leave the collections on my credit report and that they bought the debt so I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I was in University from XX/XX/XXXX-XX/XX/XXXXand had Private Loans with XXXX XXXX. When XXXX XXXX created Navient, I was handed over to them as my loan provider - not by choice. Since then, I 'm received no help whatsoever or counselling on the best way to repay my loans and the best options for myself. Over the last 7 years I 've gone through different jobs, with varying income levels and no one has helped me to find the best repayment plan - I had to do that on my own. What I did n't realise and was n't warned about with the repayment plan I 'm currently on is that it has varying interest rates. For instance, my loans with the highest interest rates at the end of XXXX were 11 % - now they 're 12 %! 12 % interest on a {$1500.00} loan is absolutely ridiculous. If I had the money to pay off the principal I would do it in a heartbeat, however I struggle to pay the $ XXXX monthly payments as it is ( I also have Federal loans which were with XXXX XXXX XXXX but were moved to XXXX for $ XXXX ). Only in the last few years has that {$280.00} barely contributed to paying off the principal balance - most, if not all of it goes to interest payments. With my work bonus last year, I wanted to pay off some of my principal payment - the ONLY way to do this through Navient is to send through the mail a physical check and a LETTER explaining what to do with the money and where to apply it. They do n't allow you to make principal payments online or any other way. When they received the check that I sent for a large sum, they applied this incorrectly which then took many phone calls to finally correct. Each time I 've sent anything above the monthly payment amount, the money has been allocated incorrectly. I think Navient need to be much better at how they process their payments and allow you to pay principal online - also, they need to actually ADVISE their borrowers ( who did n't choose them in the first place but were handed off to them! ) on the best options for them - which wo n't mean paying over double the original loan amount overtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. <P/>I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. <P/>I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). <P/>A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has passed I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with XXXX XXXX, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. XXXX 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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received my annual credit reports from the XXXX reporting agencies, XXXX, Equifax, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my annual credit reports from the three reporting agencies, Experian, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had 9 inquiries on the Experian report, and several on the other two agencies. I spoke with a representative at Experian then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against Experian and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX 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