vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I HAVE A HOME EQUITY LOAN WITH CHASE BANK THAT WAS FROZEN WHEN THE REAL ESTATE MARKET CRASHED. SINCE THAT TIME I HAVE MADE ON TIME MINIMAL PAYMENTS MONTHLY. LAST YEAR I APPLIED FOR A MODIFICATION TO THAT LOAN BECAUSE THE BALLOON PAYMENT WAS COMING DUE WITH CHASE BANK. I FELT I NEEDED THE ASSISTANCE BECAUSE MY WIFE IS A XXXX AND THE DOCTOR AND HOSPITAL BILL HAVE BECOME A REAL PROBLEM. I WAS TURNED DOWN BECAUSE CHASE BANK STATED I HAVE BEEN MAKING THE MINIMAL PAYMENTS ON TIME AND SHOULD WAIT FOR THE BALLOON PAYMENTS TO KICK IN. I CONTESTED THAT DECISION AND RE APPLIED. AGAIN I WAS TURNED DOWN FOR THE SAME REASONS. THE BALLOON PAYMENT HAS COME AND I 'M PAYING IT IN DISTRESS, SO I RE APPLIED AGAIN AND WAS TURNED DOWN AGAIN AND THE ONLY OPTIONS GIVEN TO ME WERE SHORT SALE OR DEED-IN-LIEU OF FORECLOSURE. I HAVE BEEN IN MY CONDO FOR OVER TWENTY YEARS, I 'M A RETIRED XXXX XXXX WITH A SICK WIFE, WHO IS TRING TO TAKE CARE OF MY RESPONSIBILITIES AND NEED A MODIFICATION TO CONTINUE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have come to the understanding that Syndicated Office Systems and Central Financial Control are one in the same. However, they are each on my credit score as seperate Company names, but with the same XXXX accounts and amounts for each. I will not pay the same bill twice through each company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I wrote letters to Capital One and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with Capital One. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2017, PNC Mortgage received a copy of the correspondence sent to me advising me that my annual homeowners insurance premium was due on or before XX/XX/2017. I DO NOT escrow anything other than the Flood Insurance. I escrow that because, according to the bank, it 's required by Federal Statute. The policy bill ( again, they were copied on the document and it showed that I was the responsible party for payment via direct bill ) was for {$2200.00} and the insurance department paid it even though I do n't escrow for it. They then increased our payment from {$1000.00} to {$1400.00} to cover the shortage. It ; 's been 35 days, today, of them promising to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To be delivered to each Credit Reporting Agency. This is not a duplicate. 
On XX/XX/2017 I disputed an erroneous account appearing on my credit report. Refer to CFPB case # XXXX. The errant line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, this item must be immediately and permanently deleted from my TransUnion 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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.

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 2017-03-15 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. 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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was a victim of identity theft. I have accounts on my credit that do not belong to me, i spoke with transunion they instructed me to get a police report and send it in to them, I did so. Transunion deleted only some of the items and then reinserted them, they are also reinserted without any payment information, open and closing information for me to use in a new police report. i called and spoke to them they told me to resend info and i did so. They are not deleting the information or even acknowledging the police report. I have submitted identity theft information 3 times with the credit bureau to no avail.

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 2017-03-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Yes, around a year ago possibly 10 months, I had saw a firearm on a website used to trade and sell firearms ( XXXX ). To make a long story short I tried to purchase the gun and sent the guy money via PayPal. You can send money two ways one way ( friends and family ) that way does n't charge the seller any fees as it is mostly used to just send money and PayPal does n't back that. Second ( goods and service ) if you send it this way you will have PayPal protection. Well I sent it via friends and family as the seller had instructed so I could buy the firearm cheaper. Well it turned out the guy was trying to scam me, I tried to contact him for days and he would n't respond. He then sent me a check that had more money than I was owed on it. And wanted the difference so I was trying to be a good guy but ended almost being scammed again. I payed using my XXXX card and almost lost that money but XXXX actually fought for me. But I am still actually missing the original XXXX dollars I had sent. I tried for months but XXXX would not fight for me to get my money from PayPal. PayPal said they would give it back but XXXX just gave up. I need help in getting that back.. Please

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 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
I have been divorced from the debtor since XX/XX/XXXX and part of our XXXX decree states she is responsible for all of her debts which include XXXX XXXX and XXXX credit cards. I have never applied nor possessed a XXXX XXXX XXXX credit card. According to the documents they provided, the charges were made between XX/XX/XXXX and XX/XX/XXXX. Also, I believe the debtor has filed for bankruptcy since the charges. 

I sent a letter on XX/XX/XXXX, after their initial attempt to collect the debt, stating I am not responsible for this debt. ( letter attached ) On XX/XX/XXXX i received approx 50 pages from XXXX saying I requested this info ( I did not request anything ). 

The pages include a cover letter stating I requested this info, an affidavit of forgery, identity theft complaint affidavit, and copies of all charges made on the credit card. 

I 'm going to ignore these documents, but I want to file a complaint to help XXXX understand they are chasing the wrong person for this 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 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have had smooth sailing paying my XXXX mortgages with Wells Fargo for 14 years. I have a lot of equity. My wife and I lost XXXX family members in a tragedy unspeakable. My wife, a XXXX for 22 years had to resign with grief and health issues. Wells Fargo has mistakenly paid my property taxes several times changing my payment and apologizing by letter but still hurt me. I have been paying over the payment for 7 years!!! They then want to restructure but then add insurance etc I do n't need and it drags for months as they switch from person to person. I documented 36 calls in 3 months. Then out of the blue a foreclosure comes to my door???? I make my payment every month and they claim I am behind months? they cash my checks but do n't apply? WE are taking this nationally how we have been treated during our horrid nightmare. I need help with this so bad I cant take this XXXX every day. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.

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 2017-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. 

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX believe that the credit bureaus such as Equifax are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Equifax can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I graduate from college in XX/XX/XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. There are several other accounts that show a XXXX balance, loans that were consolidated and there was never an established payment history. XXXX already cleared the late payments on my XXXX credit report, but did nothing on my Equifax report. These negative items on my credit report hurts me personally, as I am a XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Equifax to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Equifax. All my old accounts that were later consolidated should have all payment histories deleted permanently. There is no excuse for XXXX making such a personal hardship on me, since I have done everything requested of me by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: United Student Aid (USA) Funds
State: AL

Complaint narrative:
I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.

Company response to consumer: Closed with explanation