vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of a fraud where my Chase online banking information was hacked and someone tried to XXXX their account. The hacker first sent {$550.00} to a recipient on my list which went through and then tried to send {$250.00} to their own account which was flagged by Chase since I do not have a history with that person. My account was restricted and I was forced to go into a branch and was advised that I needed to open a new checking account and have all the funds transferred over. The funds transferred to my newly opened account was correct except it was missing the {$550.00} which was still in that recipient 's account. I reach out to them and they confirmed that the money was in their account but Chase had froze his account as well and he was not able to access that money to refund it back to me. We both called in on a 3 way call to open a claim and they later transferred us to a different department who told the recipient that Chase is ending their relationship with him and he could no longer have an account. The same thing happened to my account moments later and we were both told that we would no longer be allowed to bank with Chase Bank and they are closing our accounts. They later told us that the account would close in 10 business days and up to another 7 business days to get our funds back in the mail. Completely unacceptable given the circumstances, I was a victim of a fraudulent activity and Chase has literally gone above and beyond to make this experience worse for me and even as far as to close out the account of the recipient who has nothing to do with this and has even offered to refund me the money!!! Now we both have to wait 17 business days to receive our funds back and can no longer bank at Chase that I actually used to work for. Unacceptable behavior as a bank and company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I AM IN THE XXXX. XXXX  XXXX  me. I can not get a Mortgage to buy a condo. 

These the the copies from Equifax credit report : Credit Report Alerts Equifax Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX Equifax XX/XX/XXXX Updated tradeline XXXX   Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX I paid my dues, I have no accounts with XXXX XXXX XXXX Credit Card , I called 6 weeks ago asking them to STOP the reporting since my account is closed and I do not do business with them. They XXXX me again and agagin. 

I applied for a mortgage and got Denied because XXXX from XXXX would not stop sending report to Equifax. 

My credit has been damaged and my mortage denied due to XXXX ( from XX/XX/XXXX- XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recall that belong to me. On XX/XX/2018 I sent out a certified debt validation letter to verify the accuracy on the alleged debt. I requested the following under Fair Debt Collections Act : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : and I received a 1st response with nothing more than the account was reviewed and verified and was being reported accurately with nothing as the requested above. I then proceeded with a 2nd validation letter which I will attach and the 2nd response I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes.  I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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:
I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes. I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to 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 non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Canyon, Inc
State: TX

Complaint narrative:
I suppose I had a debt with XXXX that I was never aware of. I never received a letter, nor a phone call. I checked my credit, that I keep a close eye on after my dad stole my identity and opened 2 credit cards in my name to find that CBHP of XXXX Texas had bought my debt from XXXX. They have added on XXXX dollars of their own fees. I called as soon as I saw this on my report to figure out why I was never contacted or aware of this so I had a chance to resolve it, and they told me they had called my grandparents home phone number, and they have never received a single call, and they sent mail to my dads XXXX XXXX supposedly, but I havent heard a word about that either. So, when I was asking questions to figure out what was going on, how this happened, why it was so much more and things of that nature the representative of CBHP continued to hang up on me after every question I asked that she didnt like or feel like she should have to answer. When I asked for her supervisor she put me on hold and then told me she wasnt available, then once again, hung up. I called back, I asked her why she was hanging up and she said its because I was being difficult and I told her collections and customer service are one in the same, and she informed me well first of all, youre not a customer. And then hung up again. So I called back again, and asked to speak to someone else, she told me she wasnt letting me speak to anyone else and hung up on me, again. I called back and she finally let a man answer the phone. He told me that their supervisor wasnt there and told me to call back, couldnt tell me when I could actually talk to someone without being hung up on. How am I supposed to figure out my debt with a company who hangs up on me after I ask a question they dont like, and theyre not XXXX  accredited so they think they can treat people like XXXX. I never signed a contact with them, and they are making it impossible for me to figure out what is going on and what I need to do. I was not given any notification, or any way of knowing. When my identity was stolen, and XXXXXXXX XXXX  credit cards were opened they were able to track down my real phone number to contact me about my debt and did everything they could to help me resolve the issue. Why couldnt this company? Theyre a joke and what they do should be illegal. They did not do their due diligence and theyve done nothing but lie, be deceitful, and hang up on me when Ive tried to get information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I received a phone call from a private phone number stating they had to serve at my home or my job and to find out more information I would need to call XXXX. When i called the number they threatened to sue me and take me to court for over 4,000 dollars and I told them I did not want to go to court. The debt that they wanted to collect on was more than 10 years old and has not been sent to me by a letter in the mail. I set up payment arrangements for the original amount of the debt which as XXXX initially and the on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX. They stated that because I did not have the money they could do a hardship and do the payment arrangements. They also stated that I had to stay on the phone and if I hung up at any time I would be sued for the money including court cost. After consulting a free advice lawyer they recommended that I look up the number to see if it is a scam and it is. They call their self XXXXXXXX XXXX XXXXXXXX and I talked to a XXXX XXXX. They had information that I thought a debt collector would know but the way the laser described the fraud of how they attempt to get the money was spot on. Do not give them your money!! Do not disclose any of your personal information to them. Hang up the phone!

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 2018-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I switch from XXXX to XXXX XXXX for a lower rate ... my insurance premium ended on XX/XX/XXXX ... and I did not have a lapse in coverage now XXXX   has sent a collection account to the 3 credit bureaus without explanation ... I feel as if I should not be charged {$270.00} for trying to find a lower premium especially if XXXX XXXX has more benefits ... they are over charging me as if I had a lapse in coverage ... I want XXXX to remove this from my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: HI

Complaint narrative:
Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX charged {$100.00} to a house account without my permission to active a XXXX XXXX account. I called and thought it was resolved with this email ; Hello XXXX, This is XXXX of XXXX Customer Service. It is a pleasure for allowing me to assist you today and for being a part of our XXXX XXXX. 

I've canceled your XXXX XXXX membership. You'll receive a refund of {$100.00} for the XXXX XXXX membership fee. Refunds typically process within 3-5 business days and appear as a credit on your statement. 

If you need more assistance feel free to contact us, here 's a link to our Contact Us page : XXXX XXXX XXXX 

If you can't access this page, our customer service phone numbers are as follows : - Calling from within the U.S. or XXXX : XXXX - International : XXXX. 

I hope this helps. 

Enjoy the rest of your day because you deserve all the best things in life. 

We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX XXXX It was not. A month later I received a statement from XXXXXXXX XXXX  for {$130.00}. 

I called again thought it was resolved with this email ; Hello XXXX, I've requested a refund of {$28.00} to your card for the overdraft fees. This refund should go through within 3-5 business days and will appear as a credit on your next billing statement. 

I've canceled your XXXX membership and requested an additional refund of {$100.00} for the membership fee. The refund should be processed within the next 3-5 business days and will appear as a credit on your next billing statement. 

I hope this helps! We look forward to seeing you again soon. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX I was told the account with XXXXXXXX XXXX was closed and the {$28.00} was being refunded. 

Then I get this today ; E-mail Security Zone : XXXX XXXX For your account ending : XXXX Dear XXXX XXXX : Your XXXX Store Card online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2018 Minimum Payment Due : {$28.00} Statement Balance : {$28.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute. 

As this is a clear violation of my rights remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
After filing complaints about 1 month latter Huntington Bank has done the same thing of doing overcharge fees on items I dont have. Including charging me twice for same item then charging me overcharge fees. Also they received a complete account audit letter from my attorney and me but havent done audit. In conclusion, still from previous complaints I havent found out why a electronic check was cashed listed as paid then a week later disappeared from account and listed as unpaid but I never was notified and still havent been refunded. Nor has what happened been explained, which a audit should do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and  clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( XXXX XXXX I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ).  Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of XXXX XXXX . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.

Company response to consumer: Closed with explanation