vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed fraudulent activity on one of my Chase credit card accounts. I filed a dispute with chase and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to XXXX to do so. Upon sending my request in to XXXX for an extended fraud alert, XXXX, on their own accord, without asking me, sent a dispute investigation for fraud to Chase. Because of the dispute investigation sent to Chase, Chase automatically closed my entire credit card account. Chase stated that they closed the account because the dispute investigation sent by XXXX  stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. Chase will not reinstate the account unless XXXX retracts the fraud dispute investigation. XXXX is stating that they can not retract the fraud dispute investigation and that Chase has the ability to re-report the account on my credit report. It seems that XXXX   made an error by sending a dispute investigation to Chase without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( Chase and XXXX  ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over XXXX rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
The first time I have ever received a phone call from IQ Data International, it was regarding a bill from an apartment from 5 years ago so I was completely shocked and not familiar with the account. This apartment I broke the lease in 2015 due to my youngest brothers passing due to XXXX XXXX, I wrote a formal letter to the apartment complex in advance to let them know I was relocating back to my hometown. The lady called me broke, told me I was a liar, threatened to call my mother ( co-signer ). I had an XXXX XXXX and have been very shaken when this company calls my phone. Today, I received another phone call to follow up from me calling in yesterday to get more information on the account ( which I am planning to handle ) again, I was spoken down to, threatened and leaving work because of my XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I have a BMW lease payment where I make a XXXX payment. I recently have opened up a new business and have gone through financial hardship and have been late on the XXXX and XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Repeated calls from Dynamic Recovery Solutions on XX/XX/2019 and XX/XX/2019 regarding debt collection. ( I have no debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
My consolidation loans with FedLoan servicing is incorrectly showing a past due balance. I have reached out to FedLoan three times and the issue has not been resolved. My payments have always been on-time, in full, and never late. 

My account is on the REPAYE program and was properly recertified. In XX/XX/2019, i returned to school ( XXXX and XXXX XXXX - LLM ) and took out an additional GRADPLUS loan. Without my knowledge my consolidation loan was put into deferrment. I filled out a form to undefer the student loan. I continued to make all payments during this period. The deferrment was taken off ; however, it now shows a past due balance even though all payments have been made. I believe the issue is how Fedloan servicing applied my payments. I did not " target '' any loans, again, I did not " target '' any loans. 

I demand that Fedloan servicing fixes their error, properly credits my payments, and returns my account to a good status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Switching Servicer ( s ) ( Ocwen to PHH to XXXX ) during a loan modification : 1 ).  Original complete loan modification application was submitted, received, and acknowledged by Ocwen ( see attachment ), 2 ). Switch ; Ocwen to PHH on or about XX/XX/2019, 3 ) Switch ; PHH to XXXX on or about XX/XX/2019 ... 3 servicers switches during the last 6 months. This " switching '' caused NO SINGLE POINT of contact as provided by California Civil Code Section 2923.7. During this " process '' repeated phone calls, messages, long phone waiting times, dropped calls, being " transferred '' to other customer service reps and/or escalation managers ... I did NOT have a single point of contact and/or a decision maker made available to be by Ocwen or PHH or XXXX. In fact my only source of updates as to my foreclosure status was directly with XXXX XXXX as evidenced by the attached XXXX XXXX customer service reps emails. 

Dual Tracking - Foreclosure Ban : Ocwen, PHH and XXXX have continually and willfully violated California Civil Code Section ( s ) 2923.6, 2924.11 & 2924.18, the prohibition of " dual tracking '' contained in the Homeowners Bill of Rights ( HIBOR ) when they ( Ocwen, PHH XXXX XXXX XXXX conducted a scheduled foreclosure ( Trustee 's Sale ) of my home. 

I DID NOT receive any written loan modification decision from Ocwen or PHH or XXXX. The XXXX letter dated XX/XX/2019 ( see attached copy thereof ) was the FIRST mention of a Trial Period Plan that I was made aware of. As such, I did not have my legal rights to review said loan modification ( 14 days ) and/or appeal said loan modification decision ( 30 days ). Moreover, I was informed by XXXX XXXX " trustee sale date was cancelled with no current sale scheduled '' and by said XXXX letter " As of the date of this letter .... there is no foreclosure sale scheduled. '' Clearly, deceptive business practices as a Trustee sale notice was recorded on XX/XX/2019 ( see attached copy ). " Rest assured, we are here to assist you with any questions or concerns you may have " ( XXXX letter dated XX/XX/2019 ) is a false statement. 

Verification of right to foreclose - I have not yet been provided with requested written verification from XXXX pursuant to California Civil Code Section 2924 ( a ) of legal rights to foreclose against my home. 

Robo-signing banned - Pursuant to California Civil Code Section 2925.17, I have NOT yet received requested written verification of the accuracy of said foreclosure documents. 

My legal rights under Federal and HIBOR laws have been continually violated in plain sight by XXXX with no remorse or accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
On XX/XX/19 I went to see a financial counselor to assist me with a fraudulent account that was reporting on my credit report. We were able to contact Security Credit Services which is the debt collector with the account. The representative gave us the steps to take to resolve this issue : 1. File a police report 2. Complete an Affidavit for forgery and have it notarize 3. Mail out copy of ID 4. Mail to XXXX, all which I did on XX/XX/19. The representative said that I should hear back from Security Credit Services in about a week. I had not heard back so on XX/XX/19 I called back and spoke with a representative, after confirming the account number and reviewing the documents we emailed the representative confirmed that the account was closed due to fraud. She went on to email me a letter stating " Our records indicate that the account referenced above has been closed due to fraud. A request has been submitted to have this account deleted from XXXX, XXXX and XXXX. The update may take up to 30 ( thirty ) days. '' I went on to contact all three credit bureaus to confirm that the account had been removed from my credit report and until this day only XXXX  has removed the account. I went on to dispute this and have yet to get the account off my XXXX   and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I filed a police report and completed the notarized affidavit as requested by the company and they told me my information was unacceptable. 
I cant fo anything else. This very unfair. Because it's not my dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been scammed by Loancare LLC. They are not processing my loan payments properly, and applying it to my account.

Loancare LLC took over my loan in 2016, and it was never late and perfect. 

They have manipulated the accounting and then ir leaves the escrow accounts short and then payments are held in suspense without notification to the consumer, leaving me behind on my payments. 
I was trying to payoff the loan, but I have been given the runaround and I can not get any help from anyone on where to send the money, before they STEAL my home in the foreclosure process. 
As of today, I had to sell my home, all the signatures are in place, but my lender will not give me a payoff to the escrow officer and  it is has ruined my credit and my income, because I lost my rental income, because of this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I was supposed to catch a XXXX from XXXX to XXXX to visit a friend. On my way to the XXXX pickup location, I picked the ticket for Saturday, XX/XX/XXXX. I bought the ticket en route to the pickup location. Once I arrived at the location and tried to board, I was informed the online system booked my ticket for the XXXX and not the XXXX. I called XXXX to try and fix the problem, and they refused to change the date of the ticket and they refused to allow me to board the bus I was currently waiting to board. Once they refused, I asked for a refund and they would not return the funds. Once they refused, I called American Express regarding my AmEX Serve Card charge the exact same day. I was told a dispute would be submitted on my behalf and to expect the funds back in my account in 7-10 days. 

The XXXX ticket didn't show on the charges but my account was short XXXX. On the XXXX, there was a new charge for the XXXX ticket. I never used the ticket. They wouldn't let me board the bus. I then called American Express. I was told a dispute was never filed and that one would be filed that day. I received an email in XXXX stating they would need a screenshot of the disputed transaction and additional information for the investigation. I received that email on XX/XX/XXXX. I replied with the information and received another email on XX/XX/XXXX saying the information was being reviewed and they would need up to 45 days to investigate. 
It is now the XXXX and I have not received anymore correspondence or additional information. Everytime I call I get a different answer about what exactly is going on and no one seems to know what they are talking about. 

According to Reg Z of the Lanham Act, a banking institution can take up to 45 days to investigate a chargeback dispute. However, if they do take the 45 days, they are required to provisionally provide the funds to the cardholder until the issue is resolved. American Express Serve did not follow the procedure, at all, and when I call to ask about their lack of compliance their Customer Service team seems to have no idea what the Lanham Act even is. 

I should not have this hard of a time recovering XXXX. I have no reason to lie. American Express is responsible for following the law and the Lanham Act was started to prevent issues like this. It took all of 2 minutes for XXXX to take the funds, and it has now been almost a month and I haven't gotten any of it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: MD

Complaint narrative:
I submitted a investigation request to Equifax on a delinquent account on my credit file, they responded back that they verified and that the account is correct ; I do not own the money the doctors office got paid by my insurance ; Equifax is not throughly investigating if anything they are calling the collection office but arent requiring any proof : the collection office doesnt communicate with the doctors office and vise verse ; now Equifax is just agreeing with the collection agency without properly requesting proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: ID

Complaint narrative:
I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep ''  indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Received a phone call from Quicken loans regarding refinance of my mortgage on XX/XX/19. Explicitly stated I did not want my credit pulled. Asked me to confirm my DOB to pull up my credit profile, was never told this would result in a hard credit pull. Tried to resolve with Quicken but was told this is how they confirm consent. Also pulled my wifes credit despite her not being on the phone and myself never confirming any of her identifying information. The loan officer who pulled credit was XXXX XXXX and the person I tried to resolve with was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: IN

Complaint narrative:
A misdemeanor charge I have out of Illinois is being reported as a felony on a background check. The Company GIS/ XXXX XXXX told me today XX/XX/2019 that on XX/XX/2019 they spoke to a Circuit clerk out of XXXX XXXX Illinois and were told that the charge was a felony which is a false. Ive spoke to the clerk three times this week and and they have stated that it is a class a misdemeanor and also send me Docket information and other reports Pertaining to my case that states it as well. Ive disputed this two times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/19 TransUnion LLC has made it very difficult for me and I would assume many other Americans to make timely purchases by not making available to us the feature on their website ( as promised to us when we signed up for the service ) to " unfreeze '' our credit files online. Without this feature available to consumers. Transunion   requires consumers to send in paperwork ( snail mail ) to their offices and it takes many weeks to get that process completed. By that time in the case of say of an unique antique or used car the item my be lost to another buyer. Time is often of the essence. This is effecting our credit. It is an unfair practice. The other two credit bureaus have no problem identifying me and unfreezing my credit  properly as promised. I expect the same from TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from XXXX, Experian and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.

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