vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This matter occurred at Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
On XX/XX/2020 I attempted to withdraw {$1200.00} from an ATM within the branch.The money did not dispense.I called over a bank employee and told them what happened.They took me to another ATM and showed me that there was no transaction and assured me I didn't have to worry about the {$1200.00} as it was not dispensed.They directed me to use a different ATM which correctly dispensed the {$1200.00}. When I received my bank statement, it showed 2 x {$1200.00} withdrawals. I called Chase. They've conducted 3 investigations and continue to insist I received my money. I asked them to provide proof and to share camera footage. To me, the camera footage would clearly show that I did not get my money and that I reported the matter to a bank employee. They said they would only share camera footage if I file a police report. I tried to file a police report but the police department said this is not a criminal matter and would not take a report. I am at a loss as to how I can get my {$1200.00} back. The bank will not help me yet they have my money. It is unbelievable to me that a bank could do this to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
Can I have child support go through my bank account, please?

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 2020-11-25 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : PORTFOLIO RECOVERY ASSOCIATES # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC
State: MO

Complaint narrative:
I NEVER GOT A LETTER ABOUT MY LOAN HOW MUCH I NEED TO PAY AND I GET A EMAIL Our Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Current Creditors Account # : XXXX Original Creditor : XXXX  , XXXX  Original Acct # XXXX Current Account Balance : {$760.00} AND I NEVER A LETTER BEFORE I DID THE LAST COMPLINT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: DISCOVER BANK
State: IL

Complaint narrative:
I have been using my Discover card for the last 19 years and have a continuously high interest rate of 29.99 %. I consistently pay my bills, at times I have had the card completely paid off and at random times Discover will issue me a higher credit limit amount without me asking or wanting. On XX/XX/2020 I called and asked for a lower interest rate. During my call, I was bounced around to several " departments '' I was finally able to speak with someone in the Card Member Assistance department. The gentleman agreed that my rate was too high and issued me an interest credit refund of {$1100.00}. He then told me that my interest rate would be lowerd to a percentage over the prime rate. I tried calling Discover back in XXXX because the rate wasn't lowered and didn't get anywhere.The girl on the phone was not helpfu so I hung up. I just tried calling again today, XX/XX/2020 and was told the ONLY way to reduce my interest rate is to suspend my card for 6 months and then it will be up to Discover if they want to " re-instate me '' at the going rate at that future time. To me this is slap in the face. I have been an outstanding long term consumer who uses my Discover Card for the ease of it being accepted everywhere. In order to be " considered '' for a lower rate I have to suspend my card?! Why? Discover is refusing to give me a lower rate even though my credit history with them has been near excellent in the 19 years I've had my card. Also, Discover has just issued me another credit increase. My new credit limit is {$22000.00}. Of which I am using {$6700.00}. I did not ask for this increase and now I am showing too much available credit on my credit report and I can not cancel my card due to it being the longest credit link I have on my credit history. If I cancel my credit card with them it will adversely impact my credit rating. I am at a loss at what I can do and Discover Card is not being helpful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
The issue may get resolved sooner if an experienced professional addresses the issues at hand before this matter goes to criminal court. I am not requesting the cancelled mortgage that was not satisfied and simply cancelled without proof of payment. As you know there is no discharge recorded and the title insurance and the deed are for different locations. THE MORTGAGE FILE INFORMATION IS FOR XXXX XXXX XXXX NOT XXXX XXXX XXXX. Records show that the survey and the mortgage were not filed, PLEASE SEE THE ATTACHMENT the mortgage was filed for an NON EXISTENT address XXXX XXXX XXXX. Please look at the attachment. on XX/XX/XXXX about 9 months before the NJ LENDERS REFINANCE the MIN XXXX with XXXX XXXX  XXXX XXXX. XXXX N.J. ( XXXX ) XXXX was generated and the MIN XXXX with XXXX XXXX XXXX XXXX DE XXXX XXXX ) XXXX was generated on XX/XX/XXXX BOTH OF THE MINS ARE FOR XXXX XXXX XXXX AND NOT XXXX XXXX XXXX. The LOT & Block were changed before the sellers closed with power of attorney and the title insurance is NOT for the subject property. There are far to many issue 's here that are typically associated with fraud for NJ LENDERS not to show proof of payment to XXXX XXXX XXXX XXXX. The mortgage has been assigned and bounced around all over the place dose NJ LENDERS have the record of the sale of the mortgage to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Re : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SLS has lost, or deliberately refused to post a payment sent on XX/XX/2020. Without this payment posted, this account will push to 3 months late ( even with COVID-19 forbearance ) AND they threatened to push this account to foreclosure. Numerous messages, documentation, proof of payments and they refused to work with me. I asked to resolve this matter first before I send another payment to ensure that my payment would not be lost again, but they refused to acknowledge and want to proceed to foreclosure. 
Please help!

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 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
Prestige Financial S Account # : XXXX Date Opened : XX/XX/2016 No Knowledge of this account. 
I have sent several letters I have asked the company to provide me with copies of the original contract. 

This is the final follow up to resolve this matter. It has been over 30 days since I have heard a response to my 3 attempted letters that has been sent along with a online complaint commission. 

This account needs further investigation and Original Signed Contract needs to be provided as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
The primary borrow filed chapter XXXX bankruptcy and didn't tell me he was doing so. The vehicle was included in his bankruptcy but the financial institution is still reporting 2 years after the bankruptcy that I owe the full amount. I have called the company and they have XXXX records for me. It has been transferred to their asset recovery division but repeated attempts to contact them fail and they say they are closed.

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 2020-11-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AK

Complaint narrative:
On XXXX2020 I refinanced my mortgage abd newrez still show the account open on my credit report csusingba lower credit score. 

In addition, I've asked for detailed accounting because thet couldn't get my closing amounts correct or accurate and I've yet to receive that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Risecredit, LLC
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed an account that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : RISE/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: LA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-11-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lendmark Financial Services
State: MD

Complaint narrative:
LENDMARK financial took my husband and I to court in XXXX for a XXXX loan that was a late paid {$5000.00} loan. We went to XXXX XXXX. XXXX XXXX and met with LENDMARKs lawyer. We made a payment arrangement and paid off the loan in XXXX. However almost immediately there after with no notice of filing intent, or notice of new court date LENDMARK filed a lien against our house that we never knew about. I even spoke with the LENDMARK lawyer XXXX XXXX when we made the last payment in XX/XX/XXXX and he told me we were good. My husband died suddenly in XXXX I had to sell my house in XXXX the closing is XX/XX/XXXX and Monday XX/XX/XXXX the title company called to tell me that LENDMARK has 2 liens against my house for over {$7000.00}. I called LENDMARK to get an explanation and after being shuffled through 3 differant offices I called head office at XXXX I tried to get an explanation of the liens for a paid off debt but the woman ( who refused to give her name ) had no interest in helping me telling me " I don't have time to discuss your payments you have an outstanding balance if {$3800.00}. '' Clearly a completely different figure than the secret lien amount. I asked to speak to Mr XXXX XXXX but he was " not available ''. I asked for a LENDMARK attorney to call me back. That was Tuesday XXXX XXXX at XXXX Wednesday still mo call. My closing on the house is XX/XX/XXXX between XXXX and Covid 19 It could take me weeks to get copies 7 year old checks from my bank. LENDMARK is trying to rob me by using secrecy and time constraints to box me into paying them over {$7000.00} I do not owe or losing the buyer of my house. Life as a recent widow is hard enough without criminal lawyers coming after your life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCHRONY BANK refuse to correct the problem with my HSN account. 
We complete a special terms promotional financing for purchase of a computer, however we sent the computer back XXXX item was returned WE were given the credit over XXXX bucks but THIS BANK refused to remove the 12 months financing off the card. The Account is set up like we are buying the computer! This account should be set up for us to pay items off in a timely matter under the terms and promotion that has been Set up by HSN. 
Note- we are including a copy of the information that is set up on the account as of today! We were told that the credit agency has set up a check system on our Synchrony Bank account. This was not a true statement- Synchrony Bank is the owner of the account. HSN is the company that we do business with therefore, we are asking for you to look into this matter- This bank refuse to carry out the terms and condition of HSN . 

Purchase XX/XX/XXXX Computer -returned but the deferred interest did not go away, if we do not have the computer and it was returned then why does a deferred payment plan for the computer is sit on the account. This is call fraud and corruption - A fraud has been committe by the Bank, it should not be a special terms or promotional of financing for the computer on the account Date Purchase Amount/ Special Terms Deferred Interest Charges Promotional Balance Expiration Date XXXX XXXX $ XXXX/DEFERRED INTEREST/WITH PAY {$27.00} {$690.00} 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 non-monetary relief
Consumer complaint received 2020-11-25 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with non-monetary relief