vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
XXXX : XXXX, XXXX. 
We suffer from XXXX XXXX  now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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:
I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

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 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: AL

Complaint narrative:
I received a voicemail on XX/XX/2020 with the following communication : " Unfortunately, we received notice on your file today. It is Thursday XX/XX/XXXX and your file has reached our office due to your failure to respond. We do need to know, was this done intentionally or was this an oversight. I suggest you communicate, we are open until XXXX XXXX. today. The phone number is XXXX. Again, it would behoove you to call before we are asked to cease voluntary communications. XXXX. I apologize for the aggravation but we only received the notice this morning. We may speak with you or counsel. '' I returned the call asking for the following : The name of the company The address/city/state of the company I told the representative that the purpose of this request was that I wanted to send a debt verification request letter to them. She refused after multiple attempts to provide me with this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM XXXX XXXX. I HAVE A STATEMENT FROM XXXX XXXX STATING THAT XXXX XXXX REMOVED THE BANKRUPTCY AND EXPERIAN NEEDS TO DO THE SAME.

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 2020-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/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 2020-03-05 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: NJ

Complaint narrative:
Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I called the Wells Fargo 800 line to get information to get information on how to make a large principal payment to my mortgage in the amount of {$310000.00}. I was provided wiring instructions. The funds were revived by Wells Fargo on XX/XX/XXXX. Instead of applying it to the principal loan amount, they applied {$59000.00} towards regular monthly payments from XX/XX/XXXX through XX/XX/XXXX. Also, an amount of {$13000.00} was applied towards the XX/XX/XXXX and XX/XX/XXXX payments. The remaining {$230000.00} was applied to the principal balance. I wasn't told to indicate on the wire that the funds were to go to the principal and not to a year 's worth of payments. I formally requested that Wells Fargo go back and credit me for interest I shouldn't have been charged had they applied the payment to principal which has formally been denied. My complaint is that Wells Fargo should have better controls in place or contacted me if there was a question.

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 2020-03-05 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: AR

Complaint narrative:
I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}

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 2020-03-05 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: AR

Complaint narrative:
I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX  IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM LEXIS NEXIS. I HAVE A STATEMENT FROM LEXIS NEXIS STATING THAT LEXIS NEXIS REMOVED THE BANKRUPTCY AND XXXX  NEEDS TO DO THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: NC

Complaint narrative:
XXXX states I owe today, {$1600.00} after I was approved for deferment onXX/XX/XXXXin the amount of {$970.00}. I am currently today behind 3 months owing {$1000.00} which I just paid {$710.00} towards that amount. Speaking with rep today, he informed me that the additional {$680.00} are misc fees from my previous services ( XXXX, XXXX ) between the years of XXXX. My complaint is when my loan was transferred in XX/XX/ these fees were never disclosed. When I received this deferment in XXXX non of these fees existed, were not on my billing statements nor disclosed in any manor. Now I have almost {$700.00} in unexplainable additional fees from other servicers per the XXXX customer Service representative. I believe XXXX is attempting to collect money not owed to them. If I received a deferment in XXXX all fees should ha e been disclosed. 
And finally they are reporting to the credit bureau Im always 30 days late because of these additional fees. Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: MI

Complaint narrative:
They are calling my place of work trying to collect a debt i do not owe and have never provided any proof of debt owed and are very rude while i am at work ... this is not very proffesional and where is proof of debt owed???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
To whom it may concern, this will be the 3rd complaint submitted on this file. The client recently filed a chapter XXXX bankruptcy and since the bankruptcy has been filed, we received information that is concerning to not only the client but the bankruptcy court as well. Complaints were filed with the CFPB on XX/XX/2019 and XX/XX/2019 regarding a discrepancy of the number of modifications the client has already received. The lender was claiming three modifications were received by the client but could not produce any documentation confirming these modifications even existed. A complaint was filed to ensure the CFPB would step in demanding copies of the three modifications the lender stated she received however that was never done. The reason the amount of modifications received was in dispute is because per the client she only received 1 for the life of this loan and in the pooling and service agreement she is entitled to more than one. Per CFPB guidelines the lender needs to exhaust any and all loss mitigation options that would allow the client to keep her home if there is a valid hardship in which there was and still is. Instead of the lender helping her they wanted to increase her monthly mortgage payments to over 51 % of her net income which is clearly not affordable and would cause her to lose her home. That is not a modification by any means. Also, by stating she has had multiple modifications it created a bias with the investors as they were under the impression, she had three already. Per the answers from the complaint filed on XX/XX/2019 and XX/XX/2019 the lender admitted to providing incorrect information and stated the client has only had two modifications. That letter will be attached for your review. The concern at this time is after speaking with the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX about this issue she requested copies of any and all modifications on the file and the lender confirmed with their attorneys that there has only been one modification given to the client XXXX XXXX since the loan was taken out which again contradicts what the lender is stating and it seems as though the lender has given nothing but false statements to not only the client but the CFPB as well. This is not only outrageous but extremely unfair and against the guidelines of the investor who should be required to assist us with this matter as the lender is solely their responsibility. The investor and the lender should be held fully liable and accountable for the false statements and false information given which not only could cost this client her home but also effected the bankruptcy proceeding as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a loyal customer and account holder with Wells Fargo for about 5 years now. On XX/XX/XXXX, I opened a {$10000.00} secured credit card with them so they took a {$10000.00} collateral from my checking account. Since the day I opened this credit card account, I had paid on time and never missed a payment to this day. I never overcharged the card or went above the limit. In fact, over the past year I never really used the card for more than {$500.00} a month which I would pay in full at the end of each month. 

Finally, after 3 years, Wells Fargo decided to release the collateral and change the credit card account to an unsecured credit card. In XX/XX/XXXX, I received a letter from them stating that they would be depositing the collateral amount ( {$10000.00} ) into my checking account by XX/XX/XXXX. Unfortunately, that's not what happened. I did not receive my collateral by XX/XX/XXXX and they made me run after my money for three weeks for different excuses. Once, the check was lost in mail, another time one of the managers had forgotten to sign the check, and another time they had realized that not been able to deposit the collateral into my checking amount for some mysterious reason. I finally received the check 10 days late and after more than a dozen phone calls and follow ups. 

Furthermore, Mid-XXXX, after my credit card had changed to an unsecured card, I received a letter from the Executive Office of Wells Fargo, stating that " to manage their risk '' they've decided to close my account. I then, called every single department I could speak to, including the Executive Office, but they did not provide me any proper reason to why they closed an account with perfect payment history, no late payments, no high utilization and etc. I Spoke with probably more than 20 representatives and spent more than 24 hours on the phone with them to get an answer, but I wasn't successful. 

I spend 4 years building history and a perfect relationship with Wells Fargo and had {$10000.00} of my hard earned money sitting with them as collateral to make sure that I built history on my credit report and all of a sudden they closed my account for no good reason. This is clearly a discriminatory act by Wells Fargo since I am from the XXXX. I have been a victim of discrimination by this financial institution and want others like myself to be aware of what they did to me. I dont want this to happen to any other lawful XXXX XXXX like myself who work hard in this country and pay taxes like any citizen.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
An affidavit has been provided, all three credit bureaus have removed, the original creditor has let it go, when cavalry bought the debt it was going through a fraud claim, yet they continue. They continue to send some bills stating its verified. You cant verify fraud that has been released by all the credit bureaus, the FTC has report of, cavalry has acknowledged it was under fraud investigation, and the original debtor knew about fraud. Cavalry was reported for harassment by the phone call method in attempting to collect this fraudulent debt. They refused to listen when I told them it was under investigation but insisted I pay now that everyone has let it go they still are attempting to collect on a fraudulent debt. They are sending bills attempting to validate fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to different accounts with different interest rates, I know that lower rates are available. The customer service rep insisted that I have the lowest rate, which is a lie.

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 2020-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding llc # XXXX its refusing to correct their error in my credit because never open any account with then never inquired for a credit! I ask them to probe me when or what happen with this credit card they refused to show probes!! I indicated to then that on 2013 all my documents was stolen and I gave then h police report number!! But they refused to fix the problem!! I NEVER REQUEST OR APPLY for any credit card!! I ask them prove where I used that money or that credit unable to provide any accrue information. Every time that I call to this company ant try to deal they since like they dont care the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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