vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IamwritinginregardtothechargeoffaccountsonmycreditreportformyBankofAmerica.OnXXXXXXXXIagreedtopaythelenderwiththeassurancethatitwillberemovedoffmycreditreport,a"payfordeletion''.Ihavehadaconstantbattlewithlenderhonoringtheirpartofthesettlement.Iamrequestingthatthisaccountberemoved.Ithasnowbeenover45dayssincerequestinglenderstodeletethisaccount,therequestwasdeliveredXX/XX/XXXXthroughXXXXCertifiedMail,withnoresponse.Thelenderhaverespondedtolettersinthepaststatingthattheaccountisaccurate,andIadvisedthemIamnotdenyingit.Iunderstandthatthisaccountisvalid,butIpaidthisaccountwiththepromiseofthedeletions.IfellbehindXX/XX/XXXX,sixyearsago,becausemymotherwasdiagnosedwithXXXXandhadtotakecareofher.IthensettledonXX/XX/XXXX,fouryearsagoandsincethenIhavebeendealingwiththisburden.Ipaidfordeletion,Ididtherightthing,ratherthanjustwaitingsevenyearsforittofalloff.Sincethen,Ihavegottenallmyfinancesinorderandpaideveryaccountontimewithoutablunder.Iamtryingtoprovideformyfamilyandpurchaseahomeforusandthishashadamajorimpact.Pleasehelpmebeabletoprovideformyfamily.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My home mortgage was recently transferred from a previous servicer to Loancare. The mortgage has been in effect for over 15 years and has always been paid on time or within the grace period. When going to pay the mortgage online today, XX/XX/XXXX, after the due date of XX/XX/XXXX, but within the 15 day grace period, LoanCare added a " one time payment fee '' of {$10.00} '' ... .That fee was not charged by the originator or any subsequent servicer until now, and it is only charged when making an online payment, not for a mailed check. 

I contacted LoanCare by phone to ask for suggest that this charge was unwarranted and not right. They refused to budge, and simply repeated several times that was their policy. 

I will mail a check to avoid this fee, but would like to have the option to pay online within the grace period without being subject to such a fee.

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 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was de-frauded while traveling XXXX in XXXX by deceptive practices. 

In XX/XX/XXXX, I traveled to XXXX with the tour company XXXX XXXX. They took us to a silk factory called " XXXX XXXX XXXX XXXX '' and encouraged us to purchase large amounts of silk goods and clothing with the promise these goods would be shipped home to us in America. As of this date, I still have not received my purchases. 


Thank you so much for giving me some recourse. No person in their right mind would pay for goods not received. Chase Sapphire can easily remove these disputed charges, as the charges for this purchase have proven to be fradulent per all my documentation Chase has on file. I am confident one of the biggest banks in the world has adequate insurance for this type of dispute. 

I trused the XXXX XXXX  tour company guide, I trusted the Silk Factory, and I trusted Chase Sapphire to protect me from fradulent activity such as this. Chase has numerous documents on file proving the goods were never shipped and/or received by me. 


I have spent many thousands of dollars on this credit card since XXXX, and earnestly believed Chase would protect me against fraud of this type, expecially when traveling overseas, with a language and culture barrier. I was given no other choice by the XXXX XXXX  Tour company and factory but to have these goods shipped to me, and as stated in my complaint, as of this date I still have not received them. I was not offered or given the option to mail them by air. 

I need JP Morgan Chase Sapphire Credit Card services to remove the fradulent charge of {$2800.00} so my credit will not be ruined, and my ability to refinace be affected. 

With appreciation for your services and help in resolving this matter, I remain sincerely XXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TN

Complaint narrative:
During my days in school, I wasn't informed about any payments on my loans. I have an inaccurate amount of late payment remarks on 4 opened and 1 closed account. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a credit card for The Childrens Place  and that is three Comenity Bank. Ive had this account for several years and over the years this bank is constantly raising and lowering the credit limit. I always pay my bill and every few months pay it off in full. About a month ago I paid it in full ( roughly 1200.00 ) and they lowered my credit limit. About a week after paying it off they raised the credit limit to {$1100.00}. Yesterday I received an email that they lowered my credit limit again to {$740.00} and then today I received a letter my credit limit is {$1100.00} but the bank is saying its only {$750.00}. I am so utterly confused by what this bank is doing to my account. My credit score is over 650, I only utilize 10 % of my credit balances and I was just approved for a major credit card last week. I really do not want to close this account because they have a decent reward program but the games they play are unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX Equifax XXXX  You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting Equifax you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 XXXX  you are reporting a 30 day late on XX/XX/2019 Equifax Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: MN

Complaint narrative:
XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

Experian You are reporting and Ok Payment On XX/XX/2019 XXXX you are reporting a 30 day late on XX/XX/2019 XXXX Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC 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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America mortgage broker XXXX XXXX changed the terms of the loan and has not been replying to my email. I was charged a {$870.00} appraisal fee which never happened. The Bank changed the loan terms after we had agreed to the initial terms and signed the application. Attached are both the initial agreed upon terms and terms changed after the initial application

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 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc.
State: VA

Complaint narrative:
I received collection letters from U.S. Collections West, Inc. Each letter had a different amount listed of money owed. I contacted them to find out what the debt was for and why I had received letters stating different amounts being owed. I spoke to XXXX XXXX. She was very rude to me on the phone and hung up on me mid sentence when I was trying to dispute the validity of the debt. I requested documentation for money owed adding up to the total amount owed. She initially refused. Upon further argument she still refused to mail said documentation to me and claimed she would email me. I still have not received any documentation in regards to said money being owed. She threatened me with legal action and told me she would garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing in regard to the charge off accounts on my credit report for my Bank of America. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.

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 2019-06-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello, This category is not perfectly correct for my situation, but I attempted to find the one best suited. With student loan debt being the single biggest financial issue facing my generation, I thought I should due my diligence and report this issue. I hold private student loans through Wells Fargo, nearly {$25000.00} worth of them. First, I had focused on paying off my government owned student loan debt, and never directed an over-payment to my private loans. I wanted to open up more of my income by paying off the smaller loans first in case the worst should happen. 

On XX/XX/2019 I tried to make my first over-payment towards my higher interest student loan at Wells Fargo through my online banking application. As a personal banker myself I have a pretty decent competence with financial matters. After scouring for ways to pay towards principle only, it seemed as though there were no options online. I could only make " regular payments '' which would pay interest first, then be applied towards my regular payments instead of being directed as an over-payment towards the principle such as many do ( myself included ) with their mortgage loans. Figuring they were just being sneaky by trying to make it harder on my tech savvy generation to reduce our debt burden in the proper way, I decided to grab some cash and go to the bank in person to direct an over-payment towards principle only. 

After some discussion with the workers on XX/XX/2019 at the XXXX XXXX XXXX. Wells Fargo Bank in XXXX XXXX, MN they had refused to allow me to place a payment towards principle only! I should mention that I am, and have always been in good standing with my student loans. No late payments ever, and they are set up with auto-pay. So they have no viable reason to refuse my over-payment towards principle only. Filled with frustration, but ever cordial, I asked for a number to call their student loan department. Minutes later on XX/XX/2019 I remained on hold quite some time waiting for a representative. After a discussion with them, it was clear that Wells Fargo would not allow any payments to be made towards principle only. Simply " regular payments ''. As this would be extremely illegal to do with mortgage loans, I feel it is my obligation to report this mal-practice and unfair treatment towards recent graduates. 

I hope to learn from you that something is already in the works to protect students during our attempts to fight off exorbitant student loan debt. 

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 2019-06-12 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like stupid gibberish.

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 2019-06-12 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have a Victoria Secret Card, and I hardly ever use it. I've paid it in full in XX/XX/XXXX, and they posted a late fee on my account, and also reported me 30 days late. Then I pay it again in full the following month, thinking it was paid from my previous payment, and I receive late fee charge and again, another 30 day late. So far I've had like 7 or eight 30 day late payments on my credit so far, and I can count on my hand the amount of times I've used this card..No matter what I do, they just charge me late fee 's and outrageous interest with no end in sight. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX CT. XXXX XX/XX/XXXX S.S. # XXXX Comentity Bank/Victoria 's Secret Account Number Ending In XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like stupid gibberish.

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 2019-06-12 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: EQUIFAX, INC.
State: NH

Complaint narrative:
This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like XXXX gibberish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and XXXX. Experian sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything else.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing in regard to the charge off accounts on my credit report for my Discover card. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX   and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing in regard to the charge off accounts on my credit report for my XXXX XXXX XXXX. On XX/XX/XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was XXXX with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.

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