vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX at about XXXX p.m. I attempted to enter into my Capital One XXXX account to make a payment. I received a system error message ( a similar screenshot is attached ). 

At about XXXX p.m., I called Capital One to see what the issue was and was connected with " XXXX '' at Capital One customer service. First, " XXXX XXXX said that I called last month claiming I wanted the account closed ( not true ). Next, he said that the account was closed due to possible fraudulently activity. Obviously, I was concerned of identity theft, so I pressed " XXXX '' for more details. 

" XXXX '' then accused me of fraud by saying that the account was opened fraudulently. I challenged this assertion, noting the account has been open for years and I paid every month on-time. I also questioned why if this was a possible fraud case I have not received ONE NOTIFICATION regarding these issues with my account. " XXXX '' then said I would need to wait to be contacted and " XXXX '' refused to divulge any more information. I then asked to speak to " XXXX 's '' supervisor. 

I do n't have " XXXX 's '' direct supervisor 's name, but the supervisor basically told me the same information as " XXXX. '' I then demanded to speak to a senior XXXX and after XXXX-minutes on hold I spoke to " XXXX. '' " XXXX '' said the account has been identified as a possible fraudulent account since XXXX XXXX and it has been closed. I then repeated my concerns that the first I am hearing about this is when I called about issues regarding my account. " XXXX '' claims a letter was sent by mail to my home ( not true ). Further, I did not appreciate being accused of fraud with no proof. Or, if I 'm the victim of identity theft, that I stand idly by until Capital One decides how to resolve this while leaving me in the dark with no information so that I can take steps to protect my credit. 

After being on the phone for XXXX-hour and XXXX-minutes, " XXXX '' said she would do nothing more for me and hung up the phone. I have contemporaneous written notes taken to back up all of the details above. 

Today, on XXXX XXXX, XXXX at about XXXX, I tried to log in again to make a payment and received an error message ( screenshot attached ). To this date, I have not received ONE MESSAGE from Capital One regarding the issues with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABR Recovery Services LLC.
State: FL

Complaint narrative:
ABR Recovery Services LLC, Company 's Response To Whom It May Concern, we have not contacted XXXX XXXX via email nor made calls to him. It must be disregarded that we did not call to make threats about such legal actions that will be taken. XXXX XXXX charge off date is XXXX/XXXX/XXXX, meaning that the Statue of Limitation starts from that date on so it will exceed till XXXX which is the 5 year limit. If XXXX XXXX did pay this collection, if it may please be sent via email at XXXXXXXXXXXX or mail carrier to our office so we can verify this and proceed to take the next action. Thank You for your cooperation. 

In response to complaint XXXX. Charge off date is not the start date of statue of limitations, Statue start Date is from last payment made on account in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted Lexington Law Firm with regards to needing assistance with removinginaccurate information from my credit report. I explained I had contacted my Car Loan company with no resolution. I was explained the program, and asked the representative explicitly wouldI be charged if no actions were taken. On the recorded call, he said " no ''. I then gave my card number and was immediately charged {$14.00} for a transunion credit report. I was then advised I would be charged a {$110.00} fee if action was taken. 

On XX/XX/XXXX I received direct coommunication from XXXX XXXX that they matter hadbeen successfully resolved in my favor. I logged onto my Lexington Law Firm portal on XX/XX/XXXX and sent a message requesting cancellation. I noted that there were no pending charges. I did not receive any communication from the company until XX/XX/XXXX by phone. On XXXX XXXX, I received a phone call from anassociate trying to " sell '' a lower package. I advised as outlined in my email communication, I wanted to cancel. I was then advised I was going to be charged the {$110.00}. She stated there were challenges sent out on XX/XX/XXXX and XX/XX/XXXX ( AFTER request for cancellation ). I advised there was only one account in dispute, and it had been corrected. I then asked to speak to a manager. The supervisor XXXX was equally rude, and would not provide an employee ID nor last name to distinguish himself. He stated I had " 5 days '' to cancel, to which I advised him the discussion on the recorded call which lead me to enter an agreement with the company. I asked him to have the original call pulled and to have a manager call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I filed a Chapter XXXX Bankruptcy due to hardship and trauma in my family. 
While there is a great deal of shame and grief in admitting you are bankrupt, it was our only option to renewing our financial profile. 

My understanding, by law, is that the Bankruptcy would remain for 7-10 years on my credit report. While I have endured the greater portion of this penalty, as I am now in the 9th year of this being held against me, I am now requesting that the Court remove the Bankruptcy from all three of my Credit Reports, including, XXXX XXXX, XXXX, and Experian.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In XXXX, XXXX I discovered an over payment was made to my credit card of XXXX. I have made bi-weekly phone calls and spoke with numerous customer service agents with a end result that the refund check will be sent within XXXX days. Each time I call I am directed to a supervisor who assures me that the mistake will be corrected and a check will be reissued. Now XXXX months later I made my bi-weekly phone call and with no resolution. 

Credit Card Company Synchrony Bank/Amazon 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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My servicer, Wells Fargo has sent me a letter ( attached ) in reference to a mortgage modification which I have not requested. This letter makes a number of false statements, and given Wells Fargo 's apparent proclivity for fraudulently managing consumer accounts, my trust in a benign reason for this letter having been sent, and goodwill towards Wells Fargo 's intent is nil. 

In regard to this letter specifically : Paragraph 1 " I 'm writing to follow up with you about your request for a loan modification. '' This is false : I have never requested a loan modification, and indeed, this is a repeated tactic by Wells Fargo when I become delinquent on my mortgage. I have clearly stated on multiple occasions ( including in a similar CPFB complaint see XXXX ) that I do not intend to, a ) default on my mortgage, nor b ) request or otherwise make inquiries to Wells Fargo for the purpose of any loan modification. 

Continuing from the letter : " ... I 'd like to thank you for responding to our request for documentation. '' This is false : I have submitted nothing in regard to a loan modification by any means of transmittal, nor do I, as a matter of course, respond to the continual unsolicited offers and/or notices of loan modifications from Wells Fargo. Let me highlight again that these loan modification " offers '' are always unsolicited on my part. 

The second paragraph refers three times to foreclosure at present no notice of intent to foreclose has been received, nor to the best of my knowledge has the foreclosure process commenced. This paragraph implies that this process has begun, nonetheless. 

As mentioned, this is not the first unsolicited loan modification which Wells Fargo has sent, and invariably the language of their letters implies or states outright that the process is one that I have initiated. I perceive this behavior on the part of Wells Fargo to be harassing in nature. 

Finally, I note that the letter is dated XXXX XXXX, while the postmark ( or franking ) is dated XXXX XXXX, and the letter was received on XXXX XXXX. This apparent retarding ( or pro-dating ) of correspondence has occurred numerous times with Wells Fargo with ostensibly critical communications. I would describe it as a recurrent and perhaps deliberate feature of their behavior.

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 2017-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am on the PSLF program. Each year I file my XXXX form so Fedloan Servicing is aware of the payments I made the prior year. 

Currently, I have made 33 payments towards PSLF on my loans. This has been certified through their XXXX process. 

My XX/XX/XXXX bill reflects these credited payments however on my XX/XX/XXXX, and XX/XX/XXXX bills, the credited payments dropped on one of the loans from 33 credited payments to 30 credited payments. 

I called Fedloan Servicing about the matter and received some response that they will " look '' into it and that it may be a system glitch. However, in dealing with this company, I know that I will probably never receive anything resolving the matter and if I do, the answer will be incomplete, wrong, and/or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
XXXX XXXX, I noticed a report from Professional Debt company stating I owed a debt of {$720.00} for XXXX XXXX XXXX XXXX, I asked for proof of the debt because I am not aware of the charges, they were rude, and told me they did n't have to provide me with any information, I just needed to pay it or they would keep it on my credit report. 
XXXX XXXX, I again contacted Professional Debt company and they stated that they did n't have to give me proof, that it was my debt and I just needed to pay it, I have tried several times to contact representatives from the company who state they do not have to mail me proof, nor do they have to prove the debt, I need to see proof that I owe this debt and was treated very poorly, I was hanged up on several times, and even a person saying that they were a supervisor hung up in my face when I asked for proof of the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: GA

Complaint narrative:
Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a Online college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a high school diploma nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.

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 2017-10-23 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: FL

Complaint narrative:
I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX CT FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( 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 XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT 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 2017-10-23 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: FL

Complaint narrative:
I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( US BKPT CT FLORIDA XXXX XXXX ), ( US DISTRICT COURT ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( 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 XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT 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 2017-10-23 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:
i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.

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 2017-10-23 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: NJ

Complaint narrative:
Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX sent my title company a payoff letter stating that my loan payoff would be {$240.00}, XXXX ( {$240000.00} principal + {$1300.00} interest + {$46.00} documentation fee ) through XXXX XXXX, XXXX. We actually paid the loan off on XXXX XXXX, XXXX. To date XXXX XXXX has refused to refund the interest overpayment. Per their website, the payoff was applied as follows : Principal {$240000.00} Interest XXXX Escrow XXXX Total {$240000.00} To date through numerous secure messages and phone calls, XXXX XXXX has refunded my escrow balance but has refused to refund my interest overpayment or explain why it has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
When my husband died, I went to XXXX XXXX, took classes and the whole nine yards. After all said and done I was happy this was in XXXX. House payment was {$500.00} mo. PNC ( National City Bank ), during their transition I got lost in the paper, I could never talk to anyone about my loan or get any information, even my tax preparer tried to get information. Since XXXX until XXXX XXXX, XXXX, I had not heard a word from PNC! Now here I have, I am on XXXX and getting ready to get out of a house that I have tried to keep since XXXX! 
Please help if you can. 
Contact me for more information, I have a folder full of information with Names, Times, Dates, Telephone Numbers of the people I have tried to contact. Information I did received, then the went cold until I received a letter XXXX/XXXX/XXXX. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: SC

Complaint narrative:
Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation