vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
On XX/XX/2018, my intent was to pay off my mortgage with PHH Mortgage. I could not wire funds as my bank was in New York State and I was told I had to come into the office in NY and I am in Florida. I decided to do an e-check for the principal balance, and a follow-up e-check for the remaining daily interest and {$10.00} recording fee. Both payments were put into a suspense account by PHH on XX/XX/XXXX and XX/XX/XXXX respectively. They told me they needed 10 business days because the funds were not certified. Payoff figures were for XX/XX/18. I was told by TWO customer service reps that my property taxes ( due XX/XX/XXXX to avoid paying additional tax ) would NOT be paid because of the payoff intent, and that the escrow was frozen. I didn't think this was appropriate as they were not going to post my payments until close to when the tax bill was due ( with discounts ). I waited until XX/XX/XXXX, and processed an e-check for {$7.00}, xxx.xx from my bank to XXXX County Tax Collector in Florida. Today, PHH states that they sent a bulk check on XX/XX/XXXX to XXXX County for the same amount to pay my taxes. PHH says if they were to request the funds back, it would take FOUR MONTHS for me to get my monies back. ( I still have about {$1900.00} left in escrow as well, which they tell me would take about 3 weeks to receive the refund ). I then called XXXX County, and they said they have not yet processed the bulk payment, and would probably do so either XX/XX/XXXX or XX/XX/XXXX. Even though I told them I already paid, and that my mortgage will be paid off today ( they are to apply the suspense payments today to full pay the account ), they refuse to send me the overpayment, and state that it must go back to the payer ( PHH ). XXXX County says it could take 4-6 weeks for the monies to be sent back to PHH. I don't think I should have to wait four months for my money. I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Re JPMorgan Chase Bank, N.A. 

On XX/XX/21, with my XXXX year-old daughter, I visited branch at XXXX XXXX XXXX, XXXX, IL, XXXX, to assist her in withdrawing funds from and closing guardianship account on which I was her guardian. Bank wouldn't allow this, insisting erroneously that account was " restricted '' and that funds could not be accessed for two business days. Court order pursuant to which this account was opened entitled my daughter to draw these funds as of her XXXX birthday. The only " restriction '' on the account was thus the bank 's unwillingness to release the funds. This was illegal and caused my daughter and me significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: AL

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 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: TX

Complaint narrative:
I contacted all three credit bureaus ( XXXX, Equifax, and XXXX  ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: TX

Complaint narrative:
I contacted all three credit bureaus ( Experian, XXXX, and XXXX ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX  on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.

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 2018-11-26 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX  XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Innovis
State: NY

Complaint narrative:
Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed a dispute with XXXX XXXX many times concerning this matter.I have spoke with the XXXX  fraud department many times concerning unauthorized inquires from XXXX XXXX XXXX that was placed on my Credit Report.I have asked XXXX to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to XXXX  and myself showing that the those inquires need to be suppress from my XXXX Credit Report.I have resent the letter that send to me but XXXX  still refuse to remove them from my XXXX   Credit Report which is outrageous that XXXX  is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: CA

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I paid off a XXXX credit card balance with Continental Finace. Then on XX/XX/XXXX, I noticed a {$96.00} fee. I called them on XX/XX/XXXX and paid it in full again and told them to close the account. Then, when I got my statement, I realized that the charge was for an annual fee beginning after I closed the account for the following year. I called and spoke to a rep on XX/XX/XXXX and he said it was a mistake for them to take the payment from me and it was already in the works to be processed back to me. I then called on XX/XX/XXXX to follow and the rep told me that she was very sorry it hadn't been taken care of and that a refund would be issued to my account within 72 hours. When that didn't happen, I called again and they said they didn't know why anyone would tell me that and that it takes 30 days to process and refund and I should have it no later than XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from them.

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 2018-11-26 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: NY

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXX store credit card that is issued and managed by CapitalOne. I have receiving alerts ( nightly ) for months which state that I have been locked out of my account, when I have made no attempt to log in. I have spoken to XXXX XXXX XXXX representatives who have passed me onto CapitalOne. I have spoken to CapitalOne representatives who have advised me NOT to log into my account while they attempt to resolve the issue. It has been an on-going issue for several months and it has not been resolved. I have been promised call-backs and have not received any calls back. I was advised that they were going to have their IT Dept delete my user ID ( aka " scrub '' by account ) in order to resolve the issue but that has not been done. I am very fearful that someone is attempting to hack into my account and will ( or may already ) have accessed personal security information which puts by identity at risk. CapitalOne has been given ample time to resolve this issue and has failed to protect my identity or properly service this complaint. I am now turning to US authorities for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: IL

Complaint narrative:
We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a Home Depot credit card through CITI bank. Home Depot says they provide " everyday financing on purchases over {$290.00} 6 months no interest ''. After opening the account, Home Depot/CITI sent me a 10 % discount coupon. On XX/XX/XXXX, I made a purchase on my Home Depot CITI card for {$1100.00} and I used the coupon. No where on the coupon does it say that you don't receive 6 month financing if you use the coupon, and no where on the " everyday financing '' emails does it say a purchase doesn't qualify for financing if you use a coupon. 

I called CITI and requested that they allow 6 month no-interest financing on the purchase butthey said they won't budge.I asked them to point me to the terms on the coupon or the financing promotion that says " no financing if you use a coupon '' but the representative could not. I opened the account for the purpose of the financing and I used the coupon which was given to me by Home Depot/CITI after opening the account. This practice is a fraudulent trap, to give someone the coupon after opening a " no interest financing credit line '' and disallowing the financing if you use the coupon they just gave 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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/26 I contacted Wells Fargo on the phone and in person about my account access being blocked. I was told a fraudulent check from XXXX  had been deposited. I was told the check was not paid by the XXXX bank and I needed to contact them. I was warned that the bank may choose to end their relationship with me if it happened again. I immediately called XXXX at XXXX. He contacted his bank payment people. They said the check had never been submitted for payment. XXXX said he was willing to tell them this. I went to a branch in person. They could not tell me why or what happened. Only that my account was overdrawn and they would not reverse the fees. My account was overdrawn because they were taking money out to move to savings, plus They did not request a properly deposited check be paid. In addition, they would not tell me why the check had not been submitted to XXXX, or give me any records i requested. This was at a branch location in XXXX, CA. I gave up and successfully deposited my check to XXXX without incident and was immediately able to access those funds. I believe this is stealing at the most despicable level. I was not treated with any kind of dignity or respect. Even at the branch office I was greeted by a security guard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I was robbed and the robbers took all of my belongings including my cell phone and wallet that had my ID debit and credit card from Chase bank inside. The robber 's were able to access ATMs and withdraw {$3500.00} which exceeds my daily allowance, and then they went into a branch and withdrew {$1000.00} from my account and Chase allowed this despite it not being me. I have placed claims on all of my accounts and chase denied the claims stating it was non-fraudulent because the robbers accurately input my pin #. There is video surveillance, call records and I have a police report all evidence in my favor that these transaction were not authorized and were not done by me ; however the bank fails to use this information to come to a decision and has denied my claims. As a customer it is absurd to me that a bank fails to verify identification for in person withdraws, and in the circumstances does not verify their own video surveillance during an investigation. They also do not use call records with my attempts at closing my accounts. The bank solely investigated if my pin was accurately used in their decision. With fraud becoming so sophisticated in modern times I find it hard to believe the bank does not follow any other procedures in terms of investigation given these circumstances. Not only do I have the above evidence, but as a long time Chase Customer, there has never been a time where I've completed transaction of this nature, which should have immediately been a red flag.

Company response to consumer: Closed with monetary relief