vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.

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 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than 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 2017-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I 'm currently applying for a loan modification & have been approved for a trial modification twice. 

XXXX Ocwen approved for trial payment of XXXX. 

I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). 

The appraisal was obtained on the suggestion of Ocwen in XXXX. 

Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. 

Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX  XXXX was uploaded to Ocwen. 

Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. 

Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. 

Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. 

As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. 

Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: FL

Complaint narrative:
I sent a certified letter to Transunion and XXXX  including my FTC ID theft form to Transunion and XXXX  certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.

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 2017-11-08 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: PA

Complaint narrative:
I initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in reference to a personal checking account that was opened during the year of XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I made an in person inquiry to a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that indicated a series of Cashier 's Checks were purchased and paid via my personal checking account. The payee was ( XXXX XXXX ) I spoke to a banker in the customer service area and explained how critical and important it was to receive the retrieval of these Cashier 's Checks since my mother is a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of the case and advised there is a scheduled court trial in early XX/XX/XXXX.I left copies of all the Cashier 's Checks and they assured me I will receive this information by mail. I have not received anything by mail or a call from the branch thereafter. I called customer service and walked into the branch, yet they did n't have any information since this was forwarded to a different department within the bank..The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Bank Of America. I have attached all copies of these Cashier 's Checks for your review.

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 2017-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: FL

Complaint narrative:
I sent a certified letter to XXXX and Experian including my FTC ID theft form to XXXX and Experian certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. XXXX and Experian has failed to abide by this law and continues to report inaccurate information on my credit report.

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 2017-11-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Issue : Overpaid my Wells Fargo ( 'WFC '' ) credit card payment on XX/XX/XXXX with assets from a Wells Fargo Account . Called customer service on XX/XX/XXXX and asked for the monies to be returned. I was told it could take up to 30-days and a check may be mailed. I see no reason that the funds, which where collected and paid from WFC account can not be credited immediately back to the account where the monies came from, a WFC checking account. I spoke with Customer Service Manager named XXXX. This is bad behavior, dishonest, not ethical, and abusive of power, not logical and in my opinion criminal. 

Consumer 's honest oversight ... .I had a XXXX payment due ... ..which I paid on-line on XX/XX/XXXX. In an effort to ensure my payment history is perfect, as I did not recall making the payment and knowing I owed about {$70.00}, I went on my phone and made what I thought was a {$70.00} payment but was actually a scribers error and was a {$700.00} payment. This resulted in a {$700.00} credit balance. 
It is unreasonable to take 30-days to return the monies, it is bad behavior to not act immediately, it is fraud not to return the monies immediately. XXXX, the supervisor, indicated that the monies would be held up to 30-days " because we can ''. This is an egregious attitude from a Bank that apparently has not learned its lessons on how to behave like a Bank. It 's no wonder they have set XXXX XXXX  aside for legal fees and promised in their XXXX that the number will be increasing to defending their unethical business behavior. So my financial reputation and ability to make my payments on other accounts is in jeopardy because the BIG BANK needs 30-days to research payment activity from accounts maintained at WFC and credit back the {$700.00} overpayment. Scandalous! 

WFC 's " marketing campaign '' to attempt to improve your image does not help when your employees are unable or unwilling to do the right thing. I was offered to spend additional time talking to a second supervisor ... .really ... how about WFC empower their employees to use common sense ... .unfortunately you ca n't regulate good behavior when you have dishonesty and bad behavior that get rewarded from WFC 's core management ... which is where it is learned ... .Keep investigating there is plenty of issues at WFC including thievery , thru an unauthorized loan of my assets to them, as referenced above.

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 2017-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent. 

I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money. 

I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to 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 monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had my student loans closed and forgiven through XXXX 's XXXX XXXX XXXX XXXX discharge, but Navient still shows the account 's as open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Last week, XX/XX/XXXX2017, I noticed with my Walmart Master card that the XXXX XXXX had lowered my credit limit. The reasons stated over the phone were that I had a delinquency on my credit report. the only reason I was told this was after spending 30 minutes on the phone with Walmart trying to get contacted to a customer service rep. This information is false and with further research I have zero. I actually have never had a delinquency. Walmart never called me nor sent me a letter stating that they were doing so. I have not had this issue with any other credit card. I also pay all of my credit cards on time and never missed one payment. This has significantly impacted my credit score by almost 14 points. I feel as though lowering my credit limit has impacted me more negatively then it would have been if they just left it alone.

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 2017-11-08 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: P.S.C., Inc
State: WA

Complaint narrative:
There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.

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 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: IL

Complaint narrative:
On Friday, XXXX XXXX, XXXX, while reviewing my XXXX credit report, I noticed that 2 loans that I had taken with Rise Credit were incorrectly reported as open. The two loans, opened on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, were paid in full, as agreed, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. 

It was then made clear that Rise stopped reporting the loan information once they were paid. 

I therefore followed up on XXXX/XXXX/XXXX with Rise 's internal disputes team at the suggestion of the customer service agent. He suggested a 2 day turnaround. I still have not heard from Rise, nor have they acknowledged my complaint. 

Therefore, today, XXXX XXXX, XXXX, I have disputed the information with XXXX, as well as filed this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX Florida on XXXX XXXX, 2016 National Credit Cards/Airlines. Phone number XXXX i never applied for this.

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have a report from ChexSystems and they have reported information that should not be on there since the account ( XXXXXXXX XXXX was paid in full ).

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