vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 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:
At the beginning of XX/XX/2018 Chase closed all of my credit card accounts without prior notice or permission and refused to refund two {$95.00} annual credit card fees that had been charged less than two months prior. Despite meeting all of the spending conditions to earn a welcome bonus of XXXX XXXX on my now-closed British Airways Visa card, Chase refused to release the points to my British Airways account. XXXX points earned on the now-closed Iberia Visa card were also forfeited. I suspect that Chase closed the accounts to avoid paying out the XXXX points, while keeping the combined {$190.00} in annual fees. If a credit card issuer can close a customer 's account for any reason, refuse to refund the annual fee, and forfeit the earned points, how can any consumer be confident that they can actually use the credit product they've paid for? I have been a loyal Chase customer for over four years and have made 100 % of my credit card payments on time and in full. I was very disappointed by the unwillingness of the customer service representative and her manager to come to a fair resolution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My father and mother are both died .my mom passed away XX/XX/XXXX and my father XX/XX/XXXX. They never asked for help, and I'm not a student.they where both gone.someone is acting as if they are my mom and dad.even at my father 's work place.succussers and assignings are the ones that are taking out lease or loan under my dad 's house.my father paid off the house Wright before he'd passed away.these people took a loan out under my father 's estate.i don't have the money to pay off this new loan.so know they are trying to take my father 's estate away from me.im my father 's executer of his estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NJ

Complaint narrative:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NJ

Complaint narrative:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a voicemail from XXXX XXXX threatening to contact my job and speak with my supervisor regarding a case that was being filed through XXXX XXXX County courts. She also stated if I did not contact the company I would forfeit my legal rights. XXXX never identified herself as a debt collector or that it was an attempt to collect a debt. Instead she threatened to locate me if I did not get in touch with the legal department. 

I called the number that XXXX had left on my voicemail and spoke with an individual who again did not notify me that this was an attempt to collect a debt by a debt collector. The name of the company was never given to me and the individual I spoke with informed me if I didnt set up payment arrangements they would sue me for thousands of dollars for a {$270.00} debt. Out of fear I set up the arrangements immediately and was told that I would have to provide a debit or credit card to stop additional actions from being taken. I was told to contact the company in advance if anything needed to be changed for the XX/XX/XXXX and XX/XX/XXXX arrangements. 

On XX/XX/XXXX at XXXX I contacted the company to have the arrangement for XX/XX/XXXX split into 2 payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I was told that the company could only change the payment to XX/XX/XXXX. After informing the individual that I would not have enough money to cover the full payment on XX/XX/XXXX she informed me that the company would not change it beyond XX/XX/XXXX and does not cancel payment arrangements and that if I default on the arrangements I would be taken to court. I again asked to have the arrangements changed to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I was told that only legal counsel could approve that change. I requested to speak with legal counsel and immediately the call was disconnected. I called back three times and each time the call was disconnected. I called back a fourth time and someone answered, I again explained to her what I needed to do and was told again that they do not cancel arrangements after they are made. I asked to speak with a supervisor and the call was again disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CT

Complaint narrative:
1 ) I am contesting that XXXX XXXX does not have my original loan documentation and that if XXXX XXXX can not provide these original documents, I am not bound to contract with XXXX XXXX. 
2 ) If my original loan contracts can be produced to me : my account is currently " on hold. '' I am currently waiting ( indefinitely at this point ) while XXXX XXXX processes my request to change my IBR plan to IDR plan. XXXX XXXX is not honoring the 10-day review and processing time-frame. This request began on XX/XX/2018 ( now two months ago ). This is unacceptable. I have had numerous delays in the past. I believe these delays are due to the lack of original loan documentation. Further, XXXX XXXX is not honoring their contract with me to provide me adequate measures for loan repayment. If my original loan documents can be produced by XXXX XXXX, then XXXX XXXX needs to provide me with responsible service and acceptable means for loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have filed numerous disputes with this company and they fail to remove fraudulent reports and information on both mine and my wife credit report, furthermore they have several listings on my wife and my report that are the same and are invalid, open dates have been found to be invalid and and changed which is also illegal, 100 % of all thing s listed are inaccurate and or invalid, i have no contracts with anyone listed on my credit report, except XXXX, and as far as the law is concerned completely invalid, false documentation is filed with all reports on my credit report, i have spent thousands of dollars to have it all removed twice before, the only debt i have is my car which is almost paid in full, which is funny because they got my car listed as a chargeoff which it isnt, and ive been paying them every month on time, all other listings are invalid or illegally listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ok Im escrowed in and on XX/XX/XXXX ditech sent out XXXX dollars to XXXX County tax office. They had the parcels mixed up and paid lot number XXXX taxes instead of lot number XXXX which is mine.. I got 2 notices in the mail that my taxes were not paid so I called and did all the foot work myself to figure out where the payment was messed up and what happen. Well ditech sent out my payment of XXXX dollars on XX/XX/XXXX to pay my taxes and they fixed my parcel number in the system. Now they are charging me for the money they sent out incorrectly and making me pay the difference until the refund from the county comes through. I have spoken to the tax office and they have already refunded the money to lot number XXXX because ditech paid XXXX then her mortgage company paid so they refunded the second payment that came through which happen to be the wrong one. Tax office told me that they have already sent a refund and it is out of there hand and ditech keeps telling me they are waiting for a refund and until it comes through I will have to continue paying the larger amount to cover there mess up. I didnt make the wrong payment so why am I being held responsible for paying for another person or companys mess up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANCO POPULAR DE PUERTO RICO
State: CO

Complaint narrative:
On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. 

When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. 

By then they already reported my credit for the XXXX cents. 

Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. 

In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. 

I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. 

I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. 

I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. 

Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. 

At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. 

I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. 

All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have previously attempted to lower the payments to Navient and they will not allow it. I have been making payments but not the amount they are requiring. I applied for the loans, my daughter is the one that attend school. I'm receiving phone calls at my work number from phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When applying to Wells fargo bank i disclosed to the bank officer my current XXXX XXXX   credit scores and to verify if my score would be acceptable for approval. The banker did not disclose to me that Wells fargo uses a different scoring model of XXXX score XXXX and approval would be based upon that factor, which led to the denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To CFPB, I'm contacting you regarding Trans Union and the fact that they appear to be jacking with my credit score. I suffer from XXXX  and have been in and out of the hospital and in the midst of all this Ive noticed that over the last 60 days my credit score has gone down almost a 100 points for no apparent reason. I have noticed in the past that you have fined companies like Trans Union for tampering or trying to sell consumers a product regarding their credit score which ended up being very miss leading. There has been no change to my credit in the past 60 days, and I have paid my bills on time.

I think its time to re investigate this company for possible fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they can not see the inquiry and so they can not remove something that isnt there.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  (XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My taxes were taken from me due to Navient showing my loans are in default sinceXX/XX/XXXX Navient has not reported that I made payments on these accounts. I have a payment history with Navient that I keep on file to show that payments have been made. When I first called them on Tuesday the XX/XX/XXXX they said I needed to send proof of payment and they would review it and if it checked out they would reverse my tax refund of {$1600.00}. I sent it certified mail that day. I waited 3 days after I got confirmation of them receiving it and called again. The lady who answered said my payment history shows I clearly have been making payments but she couldn't do anything for me. I am very frustrated not only because I was counting on that money from my taxes but also to find out my loans ( that I have been paying on ) have been in default sinceXX/XX/XXXX. It is not easy paying that money every month but I make sure I do so the loans do not default. It has been a stress on my life, and when I don't get my taxes even though we are struggling to do the right thing and find out my loans are in default on my credit report????? I need help in this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Commonwealth has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: LEXISNEXIS
State: IL

Complaint narrative:
Under the FCRA I, XXXX XXXX XXXX request that LexisNexis immediately notify XXXX  of the folllowing : That the bankruptcy Item XXXX  is deleted/suppressed from my file. And to provide me with a copy of said communication.

Under the FCRA, XXXX XXXX XXXX  has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation