vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TN

Complaint narrative:
Payment due XX/XX/XXXX. Have been unemployed since XX/XX/XXXX. Have made payments since losing my job but simply dont have the funds. Tried to reschedule payment for a later date with a late fee attached but am being forced to enroll in forebearance or be reported to a collection agency for 1 LATE PAYMENT. Have been making payments through auto-pay for past 6yrs on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We wanted to pay off our loan in XX/XX/XXXX. In order to do so, we needed to have a payoff quote. Freedom mortgage charged us {$30.00} to get the payoff quote. Our loan was transferred to Freedom Mortgage in XX/XX/XXXX after our existing company, XXXX, sold our loan to them. To our knowledge, there was no payoff quote fee for XXXX, and therefore being a " new '' customer to Freedom Mortgage, we were asking that the {$30.00} fee be waived since our previous mortgage company did not charge us a fee. After speaking to several Customer Service Specialists, we were finally able to have the fee waived on XX/XX/XXXX. 

However, upon payoff of our loan, we were still charged {$30.00}. We called Freedom Mortgage 's customer service and the customer service rep did see that the fee should have been waived and advised us to write an email to XXXX to get this resolved. There is no way to speak to someone to resolve this by phone -only by email. An email was sent XX/XX/XXXX. 

Freedom Mortgage said it would take up to 30 days to resolve the issue. After the 30 days passed, we called Freedom Mortgage customer service on XX/XX/XXXX. The representative, XXXX ( # XXXX ) told us that she also saw that the fee should be waived but she was told we were denied because Freedom Mortgage can not refund the recording fee. I told her that this was not the recording fee, but rather a fee that Freedom Mortgage charges us just to payoff the loan, even though we were told there were no fees for paying off a loan. 

Since Freedom Mortgage considers this a closed matter, we decided to file a complaint as we feel they were intentionally misleading us and constantly changing their flimsy explanations.

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 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a remaining balance of $XXXX in my account on XX/XX/XXXX or XX/XX/XXXX. My debit card along with other very important information was lost. I travel 70 miles each way to work daily, therefore, I stop at multiple gas stations along the way. I am unsure where my organizer/wallet was left. Bofa keeps denying my claim for many various reasons each time I appeal the decision. One reason was that I had to have known the person. Bofa cannot and will not tell me who I am acquainted with and who I am not. I worked with the police in my city, XXXX, GA. the officer sent me pictures of the perp and I told the officer I have never seen him. I can and will swear under oath in a court of law that I do not know that perp. Upon filing the police report the officer informed me that it was a few cases going around like mines. he also stated that if I had something to do with this that it would come back on me as well. I have been battling Bofa since XX/XX/XXXX for my paycheck and IRS refund that was deposited in my account on XX/XX/XXXX. I do not feel they should be able to apply my checks to the negative balance because the fraud was not my fault. another reason for denial is that Bofa states that they called, texted and emailed me of the fraud and I verified that it was me. That is a lie. if someone notified me that my account was being compromised, does it make sense for me to say, "ok, that's fine". I was not aware or informed of the fraud. the email they are speaking of was never opened. I still have the email in my archives. I told Bofa that I received many emails from them daily and did not open them. On to the text message. the phone number that Bofa had on file for me has never been my phone number. A Bofa representative told me that they called a XXXX I told the rep that I have never in my life had a phone number with XXXX. That is how I know I was not informed of the fraud. the reasons why Bofa has denied my claim are bogus. each rep has given different information totally opposite form what the previous rep stated. the person of interest in this case obviously knows/knew how to work Bofa system. Now, Bofa wants me to pay for their mistake and its not fair to me. Bofa let someone call with my very detailed privileged information,inflate my account, to retrieve false funds. I do not know the perp, so how am I responsible for this? I have been with Bofa since XX/XX/XXXX and have never filed any complaints. I have always liked banking with Bofa. since this incident I do not recommend anyone bank with them. there has been no evidence that I had anything to do with the fraud that was associated with my account.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Grant & Weber
State: CA

Complaint narrative:
My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.

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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is on my credit report. I never authorized this hard inquiry. They will not help get this matter resolved and I did not submit an application for credit. They told me they would send this to fraud. They transferred me to many departments and did not know how to resolve this matter. XXXX suggested I complete a police 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 2018-03-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed a charge of {$600.00} that I did not authorize. I contacted my bank ( Chase ) and reported this. The fraud department canceled my debit/credit card, reversed the funds. On XX/XX/XXXX I saw that the amount of {$600.00} had been reversed. I contacted the bank and they advised me that the company ( XXXX ) had sent them information that I had ordered from them. They stated that the package was sent to my old address ( I had moved one year earlier and had not changed my address with the bank ) and they had a tracking number. The bank told me that I would have to deal with XXXX directly. They gave me the number of XXXX. 

I contacted XXXX and was told by the representative that I had order the product and it was my bill. I explained I had not ordered from them. They told me to contact my bank. Over the next two weeks I contacted them daily, they gave me the same story. I asked for the address for their corporate office. The man laughed and said, " We don't have one, we are in XXXX XXXX ''. I told him that I wanted to talk to his manager. He said, " We will send you and email ''. 

On XX/XX/XXXX I received an email from XXXX, responded to it and received another email from them. After receiving the emails I went into the Chase branch and talked to one of the employees, who after seeing the emails contacted the manager of Fraud and sent her the emails. The final email stated that they ( XXXX ) understands I did not place the order but they do not give out refunds. 

The manager of Chase Fraud said it would take 5 to 7 days to complete the problem and would get back to me. Today, XX/XX/XXXX I contacted the bank and was advised that XXXX said that this was closed and their would be no refund. I asked what the bank would do. I was advised that their was nothing they could do. I requested a copy of all the paperwork between the bank, XXXX and myself. I was advised it would take 7 to 10 days for me to receive it in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had contacted this site before and when you escalated the complaint they fixed the problem. And 2 years later I went to open an account at the same branch that it was fixed at I was told the gentleman that fixed it never permanatly fixed it. I have had the same bank account and have had no problems until now. 
So back in 2014 I had fraud on my checking account the person was convicted and I have all the police reports and court documents, however Bank of America contacted me after XXXX XXXX took all the notes and negative stuff off of my name and sent them a letter stating this was fraud on her account and please see attached reports. It was only then and only after that was I told to file a complaint. Well it was fixed but apparantly it was fixed half XXXX because even though I have had the same account open for going on 3 years with no problems I went to open another account and the branch manager remembered the situation adn said the guy that fixed it before only did it temporary and all the stuff came back again. Are you serious? So for almost 3 years I though Bank of America had my account coded properly and all thetime they didnt. I want to file a complaint as I have all my documents from 2014 and even the letter from XXXX XXXX stating it was fraud

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 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed 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 2018-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed 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 2018-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My agent submitted the ss package to Chase and was waiting for the value. We made the instructions " appointment only '' " call listing agent ''. My agent received no call, and now they are saying that an appraisal was done on XX/XX/XXXX and that was trespassing. We wanted to control the appointment since my agent wanted to show them all the damage in the home from squatters, as well as some other issues on the property. There is almost no way this will be an accurate report and the result will be a foreclosure if someone doesn't force them to do a SUPERVISED report that my agent can confirm had all the elements that affect value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records.

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 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received medical assessment and treatment from XXXX XXXX XXXX and that was paid by my Health Insurance ( XXXX of Arizona. ) I received collection letters and threatening phone calls. I wrote the collector regarding the collection, and requested validity of debts, original creditors, and date, place of service. 

On XX/XX/XXXX I received a collection letter dated XX/XX/XXXX attempting to collect on the debt, without providing evidence and validity I requested in my letter of XX/XX/XXXX.

This practice by this Collector violation, Pursuant to the Fair Debt Collection Practice Act, Section 809 ( b ). 

Collection attempts by this Collector should cease immediately, until requested validity evidence is provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: NV

Complaint narrative:
They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX. 
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX. 
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX. 
What we did not know as well was that we were paying an interest rate of 8.000 %. 
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate. 
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Was not XXXX XXXX obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using XXXX XXXX hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX credit cards to the amount of over {$40000.00}! This funds ent to a fake XXXX credit card account! 

XXXX XXXX NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XX/XX/XXXX/XX/XX/XXXX I became XXXX  and sent a claim into XXXX XXXX to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/XXXX ) I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at XXXX XXXX or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # 3,000.00! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake XXXX card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! XXXX XXXX has been ordered by several federal court to stop setting up fake accounts in class action law suites! 

I can not get credit with the only credit card the did not ler XXXX XXXX steal from ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
After turning in the car in EXCELLENT condition, they stuck on a " disposition '' fee for {$350.00}. Feel this is an unjust " garbage '' fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.

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