vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KY

Complaint narrative:
Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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: OH

Complaint narrative:
My ex fianc had a   XXXX   XXXX   credit card he opened in  XXXX  before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around   XXXX  . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since   XXXX  .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 2017-04-24 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: OH

Complaint narrative:
My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: OH

Complaint narrative:
My ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: AL

Complaint narrative:
I was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not help me.

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 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint narrative:
For a purchase in  XXXX  the transaction was transmitted incorrectly in  USD  instead of   XXXX  . The transaction was fo r 6 s odas at   XXXX   XXXX   XXXX   at   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . The transaction was made on  X/X/17   . I called  EDWARD JONES MASTERCARD CARDMEMBER SERVICE  at  XXXX  on   XXXX   after noticing the mistake on my credit card app. I made this call from the lobby of   XXXX   XXXX   XXXX   XXXX   while talking with  XXXX  from  Cardmember Service i n the presence of  one  of their representatives,  XXXX . She informed us that all credit card transactions in the hotel were done in pesos. The total amount of this transaction was  XXXX  pesos. ( about {$20.00}  USD ).  My   XXXX   XXXX     statement shows the transaction as  XXXX  USD. On   XXXX   XXXX   I received a credit for {$470.00} on my   XXXX   XXXX      E.J.    MasterCard statement.I lat er received a form from  Cardmember Service abo ut the dispute, filled it out and returned it with a copy of my receipt. In a letter dated  X/XX/17    from  XXXX  at  Cardmember Service it sta ted that there was insufficient information to support my claim of an incorrect amount and they would be reversing the provisional credit dated  X/XX/17   . I called  Cardm  ember Service   X/XX/17    and talked to  XXXX  and she could not help me. She had  XXXX  call me the next day and she told me that the copy of my receipt was illegible, that I had written on it, and that voided my dispute. I believe as  XXXX  had originally told me that this transaction was transmitted incorrectly by the credit card company not the merchant. I faxed a dispute letter concerning this dispute case #  XXXX  on  X/XX/17   .

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 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX / XXXX /  XXXX   I spoke with  XXXX , case  XXXX  of  XXXX   XXXX   XXXX   XXXX  and she had informed me that there were options in which I could save my vehicle. I had a hardship of hurting my knee back in  XXXX  and has since escalated to having  XXXX  in my knee. I 've had to pay medical office visits, prescriptions and an  XXXX . I had spoken with the young lady of my hardship and roof being damaged due to severe weather. She was very understanding but told me to try to get a payment but if I could n't she had other options to help me.     XXXX   I called  XXXX  of  XXXX   XXXX  Auto Finance and told her I was unable to get the payment as money is extremely tight and I do n't get paid until the first of the month. I am expecting a settlement for my roof damage but that has not come to fruition yet as I was hoping to catch up my payments. She then informed me that there was nothing she could do and that it would go to repossession department and they would escalate the debt. I asked about a modification and she said that was n't an option but told me to call the repossession department and they  XXXX  have some options.    XXXX / XXXX /  XXXX   I spoke with  XXXX  of  XXXX   XXXX  Auto Finance  XXXX  Department and she was not understanding at all. She was very rude and I explained my hardship and told her I was a customer with them for a long time and she said well we have a lot of customers with us for a long time but your car will be repossessed if you do n't come up with  XXXX  payment and then we have some options. I explained that I do n't get paid until   XXXX    She informed me that they would come take the car on Friday but I asked her how much time would she give me to try to come up with the money and she gave me until  X/XX/17    before  XXXX  pm otherwise they will pick up the car on  X/XX/17.  I was devastated as I ca n't work a second job as I normally would to make extra income but with the my knee in the situation it is in, I am limited and unable to work part-time. I work full-time and it 's sedentary but I just needed some time to get the payment or help with a modification. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
I was not notified of the servicing transfer of my loan per CPFB requirements. The CPFB Bulletin   XXXX    Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers clearly says " the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' A postmark does not equal a borrower being notified. Receipt of the letter is notification.      Plaza Home  Mortgage closes at  XXXX  my time and I received the letter Friday so  XX/XX/XXXX  I was not able to get any further information on the transfer before today,  XX/XX/XXXX  Note that leaves me 6 days to get a payment to someone. I 'm glad I was n't traveling for work or on vacation because  Plaza Home Mortgage turned off my auto payment. I would ha ve missed a payment.      I called Plaza Home Mortgage this morning to figure  out what is going on and   XXXX   claimed the requirement is the postmark not the customer receiving. She told me, " the post office says it wil l take 7-10 days and we  ca n't account for that. ''  So Plaza Home Mortgage is knowingly giving customers as little as 5 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX   XXXX   XXXX  is my client. This is attorney  XXXX   XXXX . He is married with  XXXX  children. He has  XXXX  people living in his house. It is a very humble house in a very old neighborhood. It is way  upside d own. I have applied for  three  modifications for this man with  US Bank,  and he has been turned down each time.   This time, he was turned down and the letter says he was turned down because of " discrepencies in his application. '' Then it says, if you want to know what the discrepancies are, you have to GET A SUBPOENA. This is an auto mechanic with  XXXX  children. He obviously can not afford to hire an attorney to file a lawsuit and obtain a subpoena.   Also, when you cal l US Bank, ev en if you are an attorney such as myself, and even after they verify you with the client 's home address, social security number, date of birth, and confirm that they have a signed, notarize d Power of A ttorney from the client authorizing the attorney to handle their modification, the bank insists on getting the attorney 's personal social security number or taxpayer ID number. If you do not give them your private information, which they have absolutely no need for, they hang up on you.   Help me save this man 's house and get answers to the modification effort.    XXXX   XXXX  is the borrower, I,  XXXX   XXXX , am his attorney.

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