vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint, is against Chase Bank. On XX/XX/2018 @ XXXX, I deposited {$70.00} into my checking account. However, my monies ( {$70.00} ) for my check # XXXX  in the amount of {$69.00} was " unlawfully '' transferred to another account ( documented as : # XXXX-XXXX XXXX XXXX ) that belongs to another individual ( XXXX ). I was unlawfully assessed, a NSF {$35.00} ( which have caused my account to in the negative ). I have requested, that Chase Bank return my monies to my account and CEASE AND DESIST their illegal withdrawals and transfers of my monies from my account ( to another individual 's account ). My name, is the " only '' name on my checks ( from the day that I opened my account ). As a " qualified individual with XXXX '', I have requested that Chase Bank Representative 's, Managers, Supervisor 's in the collections department and banking return my funds to my account, expeditiously ; however, they have REFUSED! As of today, they are continuing to practice discrimination ( based on continued harassment and retaliation ) @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: NC

Complaint narrative:
XXXX is reporting an collection with a company called XXXX XXXX   account # XXXX This isn't my account, shortly after XXXX had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I had an outstanding balance on an account with XXXX XXXX. My services was disconnected due to hardship. Once I got back up and running on my feet I had my services reinstated. By time that I did XXXX XXXX  had my outstanding balance with a collection agency. I proceeded to speak with a customer rep through XXXX XXXX   and they told me they can reclaim my account back from the collection agency and I can restart my services which I did. They proceeded to tell me that my name will be removed from this company and out of there system. As of today this company is still reported on my credit all they did was update my balance to paid in full which I did not pay them a dime. When I spoke with a representative from receivable performance they told me that the rep that handle all of my info with XXXX XXXX gave me false information and they wasn't going to delete it. I hate been told false information if that was true that should not have been told to me.

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 2018-06-01 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: NCB Management Services Inc.
State: WA

Complaint narrative:
The collection company, NCB Management, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they only sent a computer printout in response. Their failure to adequately respond is a violation of the FDCPA per XXXX XXXX XXXX Law Firm, XXXX XXXX XXXX  Court, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: NY

Complaint narrative:
Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However experian and XXXX  are still reporting these 2 accounts that do not belong reporting. Obviously XXXX has done the re-investigation as the problem has been corrected.i an complaining about experian and XXXX because they should have received the same response as XXXX  did. The company would not tell XXXX to delete them and for experian and XXXX   to keep them. The answer is the same across the board.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However XXXX and transunion are still reporting these 2 accounts that do not belong reporting. Obviously XXXX  has done the re-investigation as the problem has been corrected.i an complaining about XXXX and transunion because they should have received the same response as XXXX   did. The company would not tell XXXX to delete them and for XXXX  and transunion to keep them. The answer is the same across the board.

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 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.

This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0

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 2018-06-01 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: TX

Complaint narrative:
Yesterday, XX/XX/XXXX at approximately XXXX, I used my ATM card ( Chase Bank ) to deposit {$60.00} into my personal checking account ( ensuring, that my check # XXXX in the amount of {$59.00} " cleared '' ). However, I learned that my account was unlawfully in the negative leaving a - {$43.00}. Previously, I have informed the Chase Bank representatives and Manager in the Collection Department to CEASE and DESIST their unlawful and discriminatory practices concerning my personal checking account ( monies ) ; however, their unlawful practices towards me and my personal checking account have continued. I spoke " again '' with the Chase Bank Collection Department Manager, Supervisor 's and Representatives requesting, that they CEASE AND DESIST any and all withdrawals from my " personal '' checking account ( to pay for another consumers issue 's with them ). However, the Chase Bank Representative 's REFUSE to comply ; therefore, violating the XXXX Compliance Guide for Banking and my CIVIL RIGHTS ( based on my previous complaints and my XXXX status ). I am " again '' requesting ( via this complaint ) that Chase Bank REFUND all of my monies unlawfully deducted from my personal checking account ( transferred for another consumers debt with them ). All supporting documentation will be faxed to the CFPB. Any and all personal and private information accompanying this complaint is to be kept with the CFPB and is NOT to be published or sold by Chase Bank or their subsidiaries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to refund monies owed to me and it is unacceptable. 

I closed my credit card with Wells Fargo back in XX/XX/XXXX or XX/XX/XXXX. There was a credit balance of {$25.00} that Wells Fargo says they mailed to me. However, I never received it. I contacted them on XX/XX/XXXX advising them of this and asking how I could go about getting the monies owed. Their response to my inquiry was that they had sent it. I again advised them that I had not received it. Their next message on XX/XX/XXXX stated : " Our records show that the check was mailed to you on XX/XX/XXXX. Before I can place a stop payment on the requested check, I am required to have an affidavit form and cover letter completed and returned to us.You will shortly be receiving in the mail the documents required to submit a stop payment on check number XXXX in the amount of {$25.00}. I never received these documents, so I again contacted Wells Fargo.On XX/XX/XXXX I wrote the following : " It has been 2 1/2 weeks and I still have not received the documents. How am I to get these documents? Can these be picked up and signed for at a branch? This really shouldn't be that hard. I should not have to keep logging into an account that I closed some time ago. '' Now, Wells Fargo response is that I need to go through the Non-Fraud Claims.

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 2018-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These credit inquiries listed below are not mines. 

XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX 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 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Dear CFPB Staff : I would like to remind you of a fact you are already well aware of : the collection agencies are arrogant, refuse to follow the law and they respect no authority. They feel they are above the law despite paying out millions in fines and court-costs. 

This is my story about how dirty the collection agencies are. 

On XX/XX/XXXX, I disputed, via Certified-Mail with Return Receipt, a XXXX account in the amount of {$180.00} with XXXX XXXX XXXX, XXXX, of XXXX, XXXX. I have proof, via the tracking number and the signed returned receipt, that XXXX XXXX received my communication on XX/XX/XXXX. I did not receive any response from them, and in about 3 weeks or so the derogatory was gone from my credit report. I was, of course, very elated. 

Here comes the bad part, at least to me. About a week ago I saw, with great shock, the same XXXX collection account appear on my XXXX credit report under a different collection agency name. Then about 2 days ago it appeared on my XXXX credit report too. The new collection agency is : XXXX XXXX : XXXX, based in XXXX, XXXX. Can you believe that? How dare they do this? This is a blatant and flagrant violation of the FCRA and FDCPA. Since the original collection agency could not collect on the 'fake ' debt they sold it to another collection agency. This new collection agency, XXXX XXXX, lied by stating that the last activity was XX/XX/XXXX. This is a blatant lie. 

I am kindly requesting you, the Consumer Financial Protection Bureau to help me in this matter. Tell them sternly that both the above collection agencies broke the law by their actions. Please order XXXX XXXX to delete the derogatory account from my XXXX and XXXX  credit reports immediately. Show them some teeth and some authority. Let them know who is charge here. You are the federal agency ; you wield plenty of power. You know how dirty and unethical these collection agencies are. The people running collection agencies have no heart or compassion. They are quite XXXX people you know. 

I thank you, CFPB, in advance your time and effort in this matter. 

I remain.

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 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
Back in XX/XX/XXXX my ex spouse while I was XXXX defaulted on a mortgage of the home I won in a divorce. Unaware of the factor when I returned from XXXX, the bank ( Fay Servicing ) refuse to give me information without his consent. After several months going back and forth finally i was given access to the account. I went before a judge on XX/XX/XXXX with an attorney that pleaded for me to be given a chance to conduct a modification. The Modification process was started I was suppose to be given 30-45 days to complete and get a written answer. Fay Servicing only after 14 days denied my Modification given me no written response. Only a verbal denial from a XXXX XXXX who was assigned to my case. There was never a fair chance. now moving forward they have forced me and family to be evicted from the home. They refuse to allow me to buy the home back or even respond to any messages in trying to obtain a newly written loan with them to keep my home. 

New evidence is that the home had black mold infested in the walls. Which resulted in health matters for me and XXXX children. I have reached out to Fay Servicing they seem to never return phone calls and you can not even get through on the main line that I am using XXXX. I feel as a XXXX for my country, mother, and customer I was not given a fair chance or even compensated for all the legal fees and turmoil that has impaired my ability to keep shelter for me and my children. I even pleaded with the banks to allow me to purchase the house back offering money before it got to this point. I have paid over {$6000.00} to various entities including one bank to conduct a modification that was deemed the trustee under Fay Servicing. This injustice needs to be stop and investigated and corrected due to this business not conducting their foreclosures properly or given the consumers the ability to regain control after a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: IL

Complaint narrative:
Experian did not send me a result summary to my last dispute that was received by them on XX/XX/2018. Experian is reporting my

XXXX XXXX   credit card as a closed account included in a chapter XXXX   bankruptcy. This account should be closed and in good standing. Experian is reporting my XXXX XXXX secured loan as a closed account included in a chapter XXXX  bankruptcy. This account should be closed in good standings and never late.

Please see attachment for supporting evidence.

Experian is reporting a bankruptcy chapter XXXX in my public records. I have never filed bankruptcy before.

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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tried depositing my payroll check to cover my overdrawn account and now they are closing it and not allowing me access to my account online or via app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CA

Complaint narrative:
I inquired about a loan last year with XXXX XXXX. I did NOT know they would send it out to other companies. I did NOT ask about a loan with the following : Equifax Mtg., Equifax Mort, XXXX, XXXX, XXXX, XXXX, XXXX ( listed twice ). I've never heard of some of these before. 

The ONLY ONE I recognize is the XXXX. 

I want these taken off my credit report immediately. I think it should be against the law for one company to send my information to other companies that I WAS NOT applying for. Please correct thisASAP

Company response to consumer: Closed with explanation