vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 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: FL

Complaint narrative:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CT

Complaint narrative:
I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: London & London
State: CT

Complaint narrative:
London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called Bank  of America credit card costumer service Nevada location on  XXXX   XXXX ,  2017  to resolve a late fee charge of {$25.00}, same day I immediately pay a certain amount of my existing bill. The lady who answered my call told that i can not get the fee back since it already happens twice. On my end, it just so happen that I forgot to log in on my due date and forgot to pay my bills on time which when i remember 5 days after i paid not only the minimum amount and that 's the reason why i called them right away for that late fee. I call them for their consideration and also ask them for help to set up auto deduction in which they cant do it for me instead they want me to do it myself. Everyone is busy and sometimes might fall on the cr ack. Got very ups et with the lady who answered my call who can not resolve the issue but argues with me. I even asked if I can speak with his supervisor but keep on arguing and did n't escalate the issue to the right person. I ended up the call closing my credit card account with 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 2017-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On  XXXX / XXXX /  XXXX   I noticed that our bank Chase put thru a preauthorized payment for car insurance even though the funds were not there to honor the transaction. We were under the impression when signing up for our account that the overdraft protection we signed up for would prevent transactions from being processed if we did not have the money in the account. I attempted to contact the Chase customer service and spoke with many different people. I requested they cancel the transaction as it is still pending. They told me no since it 's a preauthorized transaction they could not even though in their contract it states if an amount is different or you do not recognize the merchant they can cancel the transaction. So if that 's the case why was I told they did not have access to cancel the transaction when last year I forgot my car payment was going to go through and I called the bank and they were able to cancel the transaction. I find it very discouraging that  one  person with CHASE can but a different rep ca n't. Now we not only will have no money but all other transactions made prior to the pending transaction are still pending and when they honor the transactions again they will make more money off of us for NSF fees. This is an immoral way of doing business and I am utterly disgusted in my experience with CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since      1997. V ery misleading I have less than 120 months left on loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been trying to resolve the issue of insurance charges to my account for over  six months. There is a escrow account attached to my account that should have never been   established I have provided proof of private insurance and certificate of liability insurance from  XXXX   XXXX   XXXX  to certify that the policy of insurance in respect to my property.     I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!!     My account needs to be adjusted and the fees to be reversed and credit back to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. They have recently declined me and now I have a sale date of XXXX/XXXX/17, which my representative told me it was on " HOLD ''. Ocwen completely lied to me. My wife and I are XXXX, and XXXX years old. This system Ocwen has put us through was very confusing and difficult. I feel like Ocwen was not honest with us regarding how to avoid foreclosure. We are now in a very serious situation. We are very scared, and do not want to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX   XXXX  AND  XXXX  of   XXXX   XXXX   continues to make unauthorized HARD credit inquiries into my Equifax  Credit  file.     In  XXXX  of  XXXX  I borrowed from  XXXX  to purchase a  XXXX  car through   XXXX   XXXX    XXXX  and took the loan to obtain a rebate.     I paid the car loan off in 60 days. Yes paid off the car loan in 2 months in  XXXX  last year.     However,  XXXX  and  XXXX   XXXX   XXXX  made  2  inquiries in my credit bureau at the time. I notified them of the extra inquiry which was not authorized.     I have just now learned they have AGAIN made  2 ne w HARD inquiries into my credit bureau on  XXXX   XXXX  of this year  XXXX . These are unauthorized and fraudulent usage of my personal credit information. Calling the dealer and  XXXX   XXXX   XXXX  has resulted in no returned calls or response to the new  XXXX  fraudulent hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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:
A computer glitch that was TransUnion 's problem - not mines - caused inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that you all help me make TransUnion stop victimizing me. As a resolution can you assist me so that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks 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 monetary relief
Consumer complaint received 2017-05-26 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: FL

Complaint narrative:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: GA

Complaint narrative:
Beginning in  XXXX  of  2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls  to Gateway One,   only to be given numerous explanations to why this miscalculation continues to damage my  Credit  worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A company called Transworld Systems INC repeatedly calls my phone asking for my  XXXX   XXXX   XXXX  daughter for debt collection for  XXXX   XXXX  of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my  XXXX   XXXX   XXXX  selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around  XXXX  of  XXXX . This collection is from  XXXX  and I had no record prior for the amount due. My  XXXX   XXXX   XXXX  daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Rent Recovery Solutions
State: AL

Complaint narrative:
In  XXXX   XXXX , I moved into apartment  XXXX  of   XXXX   XXXX   which is managed by  XXXX   XXXX   XXXX . Shortly after moving in, I experienced electrical problems that caused the stove, heat, and electrical plugs not to work at times. These issues were not completed until  XXXX   XXXX  when  XXXX   XXXX  refused to come out again unless  XXXX   XXXX  installed the proper conductor so that the apartment could get the appropriate wattage. Then in the  XXXX   XXXX , there were days of heavy rain which began to seep into my guest bedroom. This caused mold and destroyed my dresser and clothes that were in the dresser. After three months, the issue still was not rectified. For this reason, I was forced to terminate by lease early by two months. I filed a civil suit against  XXXX   XXXX   XXXX  to waive the two months rent, court cost, lost wages, and the price of the   XXXX   for moving.  XXXX   XXXX   XXXX   XXXX   XXXX  a counter suit for the two month 's rent, court cost, and attorney 's fees. Ultimately, the judge dismissed both cases. There is no judgement stating that I owe  XXXX   XXXX   XXXX   XXXX  anything. Nevertheless, they turned my file over to a third party, Rent Recovery Solutions, and this third party has placed this fraudulent debt on my credit report. This is a direct violation of the Fair Credit Reporting Act, and this injustice is negatively impacting by ability to purchase a home. I am scheduled to close on my home on  XXXX   XXXX , but it may not happen because of this deceptive and fraudulent activity. I do not see how this is legal when I have a copy of the order proving that both cases were dismissed. Furthermore, I was a long time tenant of  XXXX   XXXX  dating back as far as  XXXX , and I always paid my rent on time. I have attached a copy of this order for your review ; therefore, this fraudulent entry needs to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26 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: IL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation