vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XX/XX/XXXX ) I contacted XXXXXXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR

Complaint narrative:
XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today, XX/XX/2018, I tried to log in to my chase account. It said my account is suspended. I was just at the bank earlier so I dont under stand this. I spoke to 4 different people on the phone and they all said my account was being closed by chase and they wouldnt give me a reason why. Thy just said they were closing it and there was nothing I can do about it. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
They did not obey The Servicemembers Civil Relief Act after i sent them my official XXXX XXXX order and information. i have all the email saved and we were charged tremendous amount of interest. Shame on you Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: NJ

Complaint narrative:
We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.

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 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to being told that they would only make a soft inquiry that would not appear on my credit profile in XXXX. I have yet to receive a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this hard inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint is against Experian credit monitoring service. Good luck cancelling I called customer service and had to wait for 1.5 hours to reach a customer service representative and cancelled my membership at the end of XX/XX/2018 with a statement that my service would be available until XX/XX/XXXX when the monthly cycle was to end. On XX/XX/2018, my bank account was charged in full ( {$26.00} ) for a new month of service. On XX/XX/2018 my bank account was charged in full ( {$26.00} ) for a new month of service. When I attempted to call again on XX/XX/XXXX, the estimated wait time on their multiple customer service phone numbers were all over 2 hours. I have subsequently sent an email request with hopes of getting my membership cancelled.

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 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.

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 2018-03-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. 
Please help me with this situation. 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 2018-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XX/XX/2018 & XX/XX/18 Having problems with Navient applying payments to the right loans to the to avoid them saying payments are late and applying late charges and getting harassing phone calls say I am delinquent. 
XX/XX/2018 & XX/XX/18 Changing due dates without consulting with the borrower to confirm that is a good due date and then applying late charges. 
XX/XX/2018 & XX/XX/18 Talking to supervisors and representatives about fixing the problems and nothing ever gets fixed. 
XX/XX/2018 & XX/XX/18 Not having the correct loan payment amounts on account to pay the loan without having to go through a Navient employee to get things fixed. 
-Being transferred to a million different employees before getting to one who can actually fix the current issue. 
-Told they will fix said problem, but then it is never done. 
-Spending up to a hour in a half to get to someone who will fix the problem. 
-Account showing late fees and employees telling me there are no late fees that were put on. 
-Told I needed to contact the XXXX XXXX XXXX XXXX XXXX to solve issues with Federal garenteed and subsidized loans that they were the one to anwser questions about those loans when really it was just another department within Navient. After call Department of Education they tell me that it is the responsibility of the loan holder to handle all loan problems that they have nothing to do with them any longer. Same problems when having to fill out the yearly income driven plan paperwork. 
These are just the tip of the iceburg of the numerous problems we have had with navient since they took over my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NV

Complaint narrative:
I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have NOW filed with your agency on the same issue since 2013 and recently again filed another complaint case # XXXX CFPB does NOT seem to know what they are doing. 

This complaint has been ongoing for over XXXX years and Wells Fargo is and has been fully aware of the issues as well as CFPB and yet you do NOTHING? delays wrong information still appearing on credit reports are still wrong so what are you doing?????????????????????? 

Lets NOT waste my time yours and the lying bank who tells me they have YOU AT CFPB by the hand and that is why is have done NOTHING XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I looked at my report and saw inquiries that I did not do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT  XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ  XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX. 

XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}. 

The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector   that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon. 

Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter. 

Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris debt collection ( phone XXXX ) has called me repeatedly for several months over a debt apparently owed by someone named XXXX XXXX or XXXX. I have never heard of this person, I have no idea what this could be related to, and this number has been used solely by me for nearly 26 years. I have spoken to Harris & Harris THREE TIMES. Each time the person on the line tells me about XXXX XXXX, I say I don't know who that is, they say alright, your name has been removed from the list - and - shortly after that the harrassing calls begin again. The last time I spoke to them the woman argued with me and claimed it was the first time they'd heard from me. She said she'd removed my name from the list. I asked that a supervisor be informed of what happened so the company would know that something was not working and innocent people were being harrassed, and she just kept repeating that my name had been removed, and would not give me a response to my request that a supervisor be informed, saying that I could report them to whoever I liked. Really this is ridiculous. I hope you can help hold these people accountable. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed? 

There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
CAPITAL ONE ACCOUNT OPEDED XX/XX/XXXX, CLOSED XX/XX/XXXX. I HAVE A CURRENT CAPITAL ONE ACCOUNT THAT STAYS CURRENT. THIS OLD ACCOUNT NEEDS TO DROP OFF CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!

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 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.

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 2018-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern.. 

XX/XX/XXXX XXXX approved XXXX six year loan.. ... ... New XXXX XXXX XX/XX/XXXX After XXXX XXXX XXXX payments I decided to sale ... I owed approximately {$12000.00} to XXXX. 

XX/XX/XXXX Contacted XXXX informed them of buyers offer, and car will be sold in less than 30 days. 
I was advised that If payment was not made in 30 days penalties will be assessed. 


XX/XX/XXXX Receive check from buyer ... .... {$18000.00} ... XXXX profit.. Car sold.. 

XX/XX/XXXX New buyer in route ... ... .Check in hand.. 

XX/XX/XXXX Car repossessed ... ... No communication refuse to talk.. 

XX/XX/XXXX Bank auctions car for {$12000.00} ... .. Charges me {$7500.00} and destroys my credit ... 

This was a crime.. 

Please help ... 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Asset Services LLC
State: MO

Complaint narrative:
Was called by XXXX XXXX XX/XX/18 stating that she had my case file on her desk and i was being sued for fraudulent check writing. I called the original creditor, who forwarded me to the debt buyer who informed me to no longer call XXXX back to correct the issue. Continued getting calls from XXXX and when I told her I was receiving conflicting information she hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I looked at my report and saw inquiries that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I looked at my report and saw inquiries that I did not do

Company response to consumer: Closed with non-monetary relief