vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: FL

Complaint narrative:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: FL

Complaint narrative:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2017 Name : XXXX XXXX XXXX email : XXXXXXXXXXXX International Number : XXXX and XXXX I have or had ( 2 ) credit cards with Chase Bank following : Slate ++++ ++++ ++++ XXXX Freedom ++++ ++++ ++++ XXXX One of the cards had a ( XXXX ) balance and the other around {$650.00} balance and I was making monthly payments on time. 
I am overseas and had a friend make payments for me. Last payment was XX/XX/2017. 
Chase sent me NO warning or email reminder, nothing. I found out yesterday, XX/XX/2017 when I was going to use one of the cards.

Last year, a similar situation with Chase ( same cards ). I wrote to them and they wrote letter ( which I have ) reinstating my accounts. Chase were liable for making mistakes, so they reversed their decision.

PLEASE HELP WITH THIS RECENT SITUATION. I am tired of dealing with this company. 
P.S. I HAVE LETTER FROM LAST ( SCREW UP ) BY CHASE BUT WOULD HAVE TO SCAN AND SEND IT TOMORROW. 
Sincerely. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am concerned because I have been paying a monthly payment to XXXX XXXX XXXX to pay off a debt and they still put on my credit report showing as a collection. I thought as long as they are receiving a payment they ca n't add to my credit report. I want deleted off my credit report since I pay them monthly. I am in the process of purchasing a house and this has dropped my credit score tremedolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX Chase Bank has closed my credit card account ( s ) without warning or any notification. I have been making my payments on time. I am overseas and asked a friend to make my payments. I would send him the money and he would make the payments. Last payment made XXXX XXXX XXXX. 
I have ( had ) two credit cards with Chase. 
XXXX XXXX and XXXX XXXX. One had a ( XXXX ) balance the other approximately {$650.00} balance. Both accounts were closed. 
PLEASE HELP. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX my checking account was charged a {$12.00} monthly maintenance fee, something I have never been charged for years. I immediately tried calling Bank of America by phone but the wait time was over 30 minutes on three attempts so I went directly to the nearest Bank of America in XXXX, MD. I met with the manager and the banking assistant and I had requested that the {$12.00} maintenance fees charged against my account be returned immediately as I believe was fraudulently charged against my account and once it is returned to close my account. The bank closed my account without returning the {$12.00} maintenance fees and the manager stated he can not return the maintenance fees charged because I received a {$70.00} overdraft credit back in XXXX XXXX which I believe that credit should not have had any affects on my account in the future and this does not justify their reasons to start charging my account a XXXX XXXX monthly maintenance fees. In addition, I made it clear to not close my account without returning the {$12.00} first but she did it any way. I should have received a total of {$12.00} refunded back to me but did not receive anything in return when the bank closed my account. Charging these high maintenance fees I truly believe is a violation of the banking laws to not notify the customers upfront that these fees will take place prior to applying them and withdrawing fees from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is fradulant trying to collect a debt that isn't owe to them.This same debt is with two different collection services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: MO

Complaint narrative:
We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX : ( XXXX ) XXXX, received my account, # XXXX from a XXXX, XXXX XXXX XXXX XXXX for services rendered. After making several payments I fell behind and debt was referred to Quantum Collections for collection. Quantum received my account from them in XX/2015 The amount of that debt was originally approx {$1200.00}. Quantum Collections never attempted to provide any written documentation to me and has been adding fees and interest since this time. I only found out about this debt with the collection agency after checking my credit report. After continuing to monitor my credit report, I realized that Quantum has been increasing my debt owed monthly. My current balance with Quantum Collections is {$1400.00} At no time did I ever sign or verbally agree to any interest either with XXXX XXXX or Quantum Collections, nor did they provide any documentation to me detailing an agreement, or their receipt of my 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 2017-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I went on the Citibank website ( Citibank.com ) and accessed the Bill Pay feature to make a payment to my XXXX XXXX XXXX credit card ( Card # XXXX ). The eBill payee was set up as XXXX XXXX XXXX in XXXX, DE and funds were supposed to be remitted immediately. On the last page, the website stated XXXX/XXXX/XXXX as the payment date when the payment would be taken out of my checking account. I remitted {$110.00} from my checking account with Citibank to pay my XXXX XXXX XXXX credit card. On XXXX/XXXX/XXXX, {$110.00} was taken out of my checking account but nothing was posted to my XXXX XXXX XXXX credit card account. I called customer service at Citibank at XXXX and spoke to XXXX, a customer service supervisor overseas who told me that the funds were disbursed to XXXX XXXX XXXX and could never be reversed. She told me that it will be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX which is a Monday because XXXX/XXXX/XXXX was on a Saturday. She also told me that she would call XXXX XXXX XXXX to confirm that the funds were en route to the right account but she did not. She then transferred me to a customer service supervisor at CItibank in the US who stated that the transaction can not be reversed and the funds will be posted to my XXXX XXXX XXXX account on the next business day. I then called customer service at Citibank at XXXX on XXXX/XXXX/XXXX and spoke to overseas customer service representatives who told me that the funds would be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX, I checked my credit card account with XXXX XXXX XXXX and noticed that the funds taken out of my Citibank checking account were not disbursed as promised.

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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo Home Mortgage is denying my settlement because of my race, XXXX. 

Wells Fargo Home Mortgage agreed to pay over {$1.00} XXXX dollars in a lawsuit to XXXX XXXX, and other similiar classes, where Wells Fargo Home Mortgage discriminated against XXXX, XXXX and other similiar classes in a lawsuit brought by the Department of Justice. 

Wells Fargo Home Mortgage discrimated giving XXXX less favorable interest rates and loans than other loan applicants. Although they have not used this excuse, maybe Wells Fargo Home Mortgage did not know that some XXXX are aware that interest rates equal dollars and higher payments, which occurred in my situation causing me years of grief and financial sufferring. I continue to suffer at the hands of Wells Fargo Home Mortgage. My mortgage is being forclosed on in 2 days to cover it all up. This too is illegal in case Wells Fargo Home Mortgage does not know. 

Wells Fargo discriminated with my loan and is now discriminating again by continually denying my settlement using false pretense excuses and lies. They have come up with many excuses and lies. 

I have provided documents to refute those excuses, but it boils down to Wells Fargo submitted to this voluntarily settlement because they never intended to make good on the settlement as they promised the Department of Justice and the Federal Court. 

I am being punished again because of my race, XXXX. This was not a refinance loan which Wells Fargo Home Mortgage lied in a recent previous complaint. This loan originated within the designated time frame listed in the settlement with the Department of Justice and the Federal Court. This was a brand new loan as it shows by Wells Fargo Home Mortgage own document. This loan did not originate outside of the time frame as Wells Fargo Home Mortgage continually and originally said. This loan Originated XX/XX/XXXX, also shown on Wells Fargo Home Mortgage own document also enclosed with this complaint. There are many others in my predicament that have been forclosed on to cover up this gross misconduct. 

Wells Fargo Home Mortgage is denying my settlement because of my race XXXX. Also, I 'm a XXXX XXXX who is being financially exploited, also illegal. Wells Fargo Home Mortgage is trying to cover up thier hate for XXXX by foreclosing on my mortgage of fifteen years. The foreclosure is scheduled in two days Wednesday XX/XX/XXXX. 

Do n't let this happen in America in XXXX. 

ME TOO 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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: GA

Complaint narrative:
I have XXXX hard inquires on my report that I did not request or give permission. 
XXXX and XXXX XXXX. I did not provide permission to these companies to request my credit information.

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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to Equifax on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by Equifax on XXXX/XXXX/XXXX. I just received an email from Equifax today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received Fico score on XXXX XXXX, 2017 from from XXXX with derogatory information on my credit report Equifax. I filed a complaint two months ago with you about this and the inaccurate information was removed. The score has dropped from XXXX to XXXX in the month of XXXX 2017. I have done nothing to cause this drop on my account, and I was unable to get a response from Equifax. I would like this matter to be investigated and corrected. Why is this continuous fluctuation with my account happening when there is nothing changing? 96 points is a large number to be taken down in a month without proof that something caused this to happen. I hope that we can get this resolved in a timely fashion for I am trying to purchase a home and this inaccurate information may prevent that from happening. 

Thank you for looking into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: IN

Complaint narrative:
On XXXX XXXX, I received a third-party communication from an Experian partner regarding their Credit Check monitoring program. I decided to try their services utilizing their {$1.00} trial. 

On XXXX XXXX at approximately XXXX, I called and cancelled this {$1.00} trial as the service was constantly interrupted, freezing or forcing me to change my password due to some internal error. The agent assured me I would NOT be charged {$21.00} moving forward. 

Since then, I have been charged in XXXX, XXXX, XXXX, XXXX, and XXXX for a product I did not want. That 's {$21.00} x 5 ( {$100.00} ) that I have been fraudulently charged. 

As I transact quite frequently each day, it appears these charges slipped through the cracks. 

I called their XXXX today, XXXX XXXX at XXXX. The representative was rather rude, stating they only give back 1 month. I never authorized 5 months, so why does Experian get to keep my money? That 's consumer theft. 

This type of behavior is why CFPB needs to regulate companies like credit bureaus.

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 2017-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
XXXX XXXX I was called and harrased to try and make a payment I could n't make. I had called in XXXX to let them know I lost my job after a good year of making payments. They said there is nothing they can do and I do n't qualify for anything. I called few days later to make not a whole payment but a partial because I had gotten some money unexpectedly. I was told me and my cosigner would stop being called 2-4 times a day. None of the calls stopped. Now they say I ca n't be taken off the calling list. This is the worst company I ever worked with. My other loans a through XXXX and they are a much better company than this scum.

Company response to consumer: Closed with explanation