vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my 4 personal credit cards and my personal checking and personal savings account. They have not closed my business checking or business credit card. Out of the blue they closed everything!! I have never been late, I make all my payments on time and I have been a great client for years. I have spent several hours with several different employees for Chase. I was at the bank in person for 3 1/2 hours today. They do not understand why everything was closed down either. The branch manager with some senior advisor on the phone discussed my account in detail and every transaction for the past four years. They do NOT know why accounts were closed and cant get answers either. Everything states Chase decided to terminate relationship with me. This decision is irrevocable and I may never established an account with Chase again. However, my business accounts are still open and functioning. My automatic payments are now being declined and chase is going to cause my credit score to drop with explanation of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule 41 E hearing for failure to prosecute. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule 41 E hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana Bar Association, the  Indiana Attorney Generals Office, and the Consumer Credit Bureau for perjury and violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: DISCOVER BANK
State: KS

Complaint narrative:
I decided to use the chat service in Discover cards app because I needed to dispute a transaction from the week earlier. The first rep seemed like they were disputing it for me there was around 20 mins of nothing in the chat. She then comes back says they treat chats like emails and get back to who they want when they want and she wasn't going to dispute my transaction because it was a service. I pointed out the difference between a service and merchandise and asked for a manager. A manger did not text back for 8 hours and said they were not going to dispute my transaction and I had to go back to the merchant that already did not help. I pointed out on their own credit card resource page it says the FTC requires disputes in certain cases and I have disputed such things before with them since I've had the card for almost 15 years and was successful. She said she would not dispute my transaction from XX/XX/2019 because she determined it not to be in my favor personally. As I understand disputes are required to go through a process where they are clearly documented. I do believe this is a violation of consumer protection laws and needs to be investigated. I know interest rates are dropping on credit cards and in turn making their profits slimmer but taking away consumer protections is not the way to do get bigger profits. I have attached screen shots of the chat where the representative and the manager refused to file my dispute for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 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: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Hi National credit systems has enter a debt that wasnt verified for an apt that I never rented. I call the XXXX XXXX XXXX XXXX about this debt and they said they had no record of me staying there. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XXXX  XXXX and XXXX gm financial is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
On experian XXXX and XXXX XXXX XXXX is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Well, the first problem is that the affiliation that reported a missed payment ( XXXX XXXX XXXX ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to XXXX XXXX XXXX. But for some reason its shows on my credit report as from XXXX XXXX XXXX. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/XXXX FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to XXXX XXXX XXXX, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XXXX of 2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Hi Portfolio recovery associates has enter debts that wasn't verified and credit bureaus are not doing verification neither and I need something to prove these are my debt. I'm not working and It's really doing a job on me keeping me from getting employment. I need to see a sign contract promise to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: KS

Complaint narrative:
US BANK OVERDREW MY ACCOUNT THREE SEPARATE TIMES BY ATTEMPTING TO PROCESS CREDIT CARD PAYMENTS FOR OVER A XXXX DOLLARS ( {$1000.00} ), MADE MY CHECKING ACCOUNT HAVE A NEGATIVE BALANCE FROM REVERSAL OF RETURNED PAYMENT FEES, CLOSED MY CHECKING ACCOUNT, REDUCED MY CREDIT CARD LIMIT FROM XXXX XXXX DOLLARS ( {$1500.00} ) TO XXXX XXXX DOLLAR XXXX ( {$500.00} ). 

SINCERELY. 

XXXX XXXX XXXX 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 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank credit card has charged me cash in advance in number of transactions which I did only and no cash withdrawn was made I have been making the same transaction with the same card for two years they never changed my any cash in advance fess for them until recently they started doing without notify me of any changes and never sent me any documents to make me aware of any change which is violated the terms and conditions I agreed about when I open the account with them .nevertheless, I already stop making the same online transaction once I noticed the fess they started charging me and a week later before all that happened I wasnt charge any cash in advance fess in I did the same type of transaction .also they charge me at the end of the month another fess again for the same transactions two fess difference time for the same transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC.
State: PA

Complaint narrative:
Pinnacle Recovery Inc responded on XX/XX/XXXX Complaint ID : XXXX concerning a debt/bill that belong to XXXX XXXX XXXX XXXX in which there has been no contact by XXXX XXXX XXXX XXXX since XX/XX/XXXX. Pinnacle claims I talk to them never talk to them on the phone and told them to cancel my account. Pinnacle has no proof I spoken to them in any manner regarding an account there not the primary owner of nor did I agree or sign anything pertaining to a contract with Pinnacle Recovery or made any agreement nor spoke to on a phone. My next issue I have not lived in XXXX XXXX Nevada since XX/XX/XXXX in which my mailing address was change and updated by the post office. My next issue is the address Pinnacle was mailing to me in XX/XX/XXXXis not my address nor have I had this address appears to be a strip   center. Only was contacted by a law firm in regards to this debt in which has been no contact by XXXX XXXX XXXX nor any mail sent by regular mail or certified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX in which I have also filed with the US in which is 2 years before office and various other documents I have that has issues that violates certain laws and been sent to the US Attorney office of there practice. As of this date being XX/XX/XXXX I dispute all and any debts by Pinnacle Recovery due to there has not been any contact by the original creditor nor Pinnacle Recovery Inc as there letter dated XX/XX/XXXX and I have not lived in XXXX XXXX NV since XX/XX/XXXX in which is over 2 years before this letter was mailed to address that does not belong to me. All debt on this account was in dispute back in XX/XX/XXXXin which there was errors and other issues with XXXX XXXX XXXX XXXX XX/XX/XXXX. I also have proof from my company I have a contract job in which I travel for contract work and I was not in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my XXXX account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
XXXX card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my Experian account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my 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 2019-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I WAS FORCED TO MOVE FROM MY HOME DUE TO THE NEGLIGENCE OF THE INCOMPETENCE OF CHASE BANK. 

THEY ARE PYCHOPATHIC PREDATORS, WITH NO XXXX, WORSE THAN XXXX. 
THEY NEVER HELPED ME TO SAVE MY HOME, BECAUSE THEY WERE GETTING THE MORTGAGE PAID FROM THERE " CREDIT DEFAULT SWOPS INSURANCE. '' THAT PAID CHASE NOT TO HELP PEOPLE LIKE MYSELF KEEP THERE HOMES. 

PLEASE CFPB HELP ME GETTING $ XXXX IN COMPENSATION FOR THERE EVIL WAYS. 

THEY LEFT ME HOMELESS, AND SUFFERING FROM ACUTE XXXX AND NOW DIAGNOSIED WITH XXXX XXXX. 









]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
Bayview Loan Company has not removed late fees, when I have not been late on my mortgage. They have charged me late fees for XXXX, when I have given statements to them from my bank showing I was never late in making a payment. I have continued to have problems with this company, with corporate fees and other charges that they have never shown I owe, nor will they remove the fees. Tell this company this is their last chance to correct the error or I will be forced to file litigation. Time is now of the essence and this needs to be resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have tried multiple times to dispute the debt, they were notified by me and my credit repair service that the debt was not mine. I explained to the young lady that I hadnt lived in that home in years and I could prove it. Im in the process of buying a home and this is holding me up. They credit repair company had already spent over 30 days in this matter. When I called the first time they asked for my social I provided it and it pulled up an account in some else name and when I advised them of that they put me on hold and blew me off. The conversation is recorded according to them. I needed this off so I agreed to pay a settlement after two weeks of phone calls because they wanted me to pay it without getting something in writing. I REFUSED! I finally spoke to someone who said setup a payment arrangement and they would send a confirmation letter before they take the payment. I set it up for the XXXX of XXXX. The letter was suppose to come by email never did and I had to submit a different email address. The letter showed up after the XX/XX/XXXX and they processed the payment any way it declined. I received the letter on the XXXX paid the settlement on XX/XX/XXXX payment cleared on XX/XX/XXXX however now Im having the same issue with them updating the credit bureaus. Why do I have to wait 39 days for XXXX update my file cause the collection company says the cant. Every time you call its something different. I requested to have a supervisor called me back several times, I have spent to much time trying to get this resolve and Im still trying. My credit repair started working on this back in XXXX XXXX. I also contacted XXXX by going into one of  their payment centers to discuss the issue they told me to deal with the collection company cause they didnt care about my issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reported identity theft and fraud since XX/XX/XXXX with all credit agencies Equifax made the following dates inquiries without my knowledge or legal permission 15 inquiries without my knowledge or permission XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX EQUIFAX The other complaints will by reported seperately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent Equifax a letter on XX/XX/XXXX that they received XX/XX/XXXX. I asked them to verify some accounts or remove them immediately. In this letter I sent them a photo copy of my driver license, social security card and a copy of my XXXX ( utility bill ). They responded with a letter on XX/XX/XXXX saying they couldn't locate a credit file in their database with the identification information I provided. They asked that I send them a copy of my driver license and social security card, which was in the letter. I'm totally confused to if they even read the letter. They had 30 days the verify the inaccuracies or remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
ATTENTION CFPB THIS A NEW ACCOUNT AND A NEW COMPLAINT DO NOT CATEGORIZE THIS AS A SAME COMPLAINT TYPE SEND THIS TO JPMORGAN CHASE BANK I have reported fraud to Jpmorgan chase bank since XX/XX/XXXX I just got a copy of my XXXX credit report WITH A NEW REPORTED JPMCB ACCOUNT where there is a documented account as follows JPMCB ACCOUNT # XXXX I have over 1 million dollars PLUS INTEREST DUE ..that as I have reported in XX/XX/XXXXand to the present day via fax certified mail EMAILS PHONE CALLS and in person etc to Jpmorgan chase bank/ XXXX XXXX /XXXX XXXX And I finally found a account that is probably linked to my identity thieves AND MY LIFE SAVINGS AND OTHER MONIES since XX/XX/XXXX. I request all documents Related to this account asap from JPMORGAN CHASE BANK sent to me via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I went to purchase a vehicle at XXXX XXXX, I put XXXX down.I never signed papers when I came back to sign paperwork & get registration ect. They were shut down. Now I have a finance company that says i owe XXXX  /m 34 months sent me contract i didnt sign. They were got the car due to breaking down in the pound. Westlake financial.

Company response to consumer: Closed with explanation