vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I receive calls everyday consistently from this debt collector. No dates are needed as it truly is every 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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was discriminated, racial profiling and not allowing access to my banking account at Wells Fargo three times. I am a XXXX-year-old XXXX XXXX, XXXX, XXXX citizen who has been banking with the same account for 31 years. 
I have no negative marks on my account such as overdraft and I have never in 31 years deposited a bad check into my account. 
On XX/XX/XXXX at approximately XXXX at the Wells Fargo Bank . I was discriminated against and racial profiled for the third time. I tried to do a simple deposit into my account and was denied access to do the deposit. I was told by the teller she would not do it because she did not feel comfortable with me depositing the check into my account! I then ask for her supervisor and she refused to do the deposit also. I had proper federal and state id and my bank card, but because of the color of my skin I was told three time they would not do the deposit. So, I took my deposit check and put it into the ATM and made the deposit. The ATM machine did not care what color my skin was it just needed my bank card and pin number. I filed a complaint with Wells Fargo customer complaint department a complaint for discriminating against me, racial profiling and not allowing a customer to do banking or have access to my account! 
I received a complaint number from there customer complaint department and was told they would investigate my complaint but they did noting. 
Finally. This is XXXX and as a XXXX man in XXXX I sill don't have the right to go into my bank and do business! My account is in good standing and on Monday XX/XX/XXXX a Wells Fargo bank rep. told me the policy for deposits are simple : State or Federal ID and account number and If they can not verify a check, they will still deposit it and just place a hold on it. I was denied my right to deposit my check into my account based on the color of my skin not because I did something wrong.

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 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I was approached by One Main Financial after completing an online application. I was told i was approved for {$6200.00} installment personal loan or {$11000.00} for a secured loan ( using my car ) i provided all documentation asked for right away. I was called at the end of the day and told that is was approved for the above amounts but my credit report had verbiage on the loan i was trying to refinance as a student loan. i called the company ( XXXX XXXX ) and sent documentation to show it was not a student loan. I was then told it was accepted with the same amounts but they were going to ask the underwriter if they could {$10000.00} to pay off a few more items but i was approved for the above loan. Two days later i called for status and was told the loan amount was reduced to {$3600.00} due to income. So i said ok to go forward and then she paused for a few seconds as if she wasn't expecting me to agree with it and then said sorry your not approved for any loan at this time enen though 5 seconds earlier she said i was. They tried to blame my income but just 5 minuets before i agreed my income was not an issue. The  income I am referring to is from my second job with XXXX where i take in approx XXXX a month. I provided proof of that however i am told I am wrong and that i only take in XXXX a year. Not true. There are no expenses i pay for other then XXXX. For tax purposed we add in XXXX  and XXXX  amounts paid but only for tax purposes it does not reflect actual income. Any underwriter who worked with income knows that what is on taxes is a limited picture of actual. I provided that actual pay report of what i take home weekly but they refused to look at it. I feel i was discriminated agents for being a XXXX. as they indicated that XXXX  dont make money. Not true. That is judgement on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a checking account online with chase bank I was told I was appoved for a simple checking account. Upon attempting to access the phone application my access had been blocked. I called customer service and they stated that I would be getting a letter with an explanation. After receiving the letter it stated that they closed the account but there was no actual justification stated I was advised to check my credit report. I also attempted to go to a branch where I was given a phone number to call. They simply stated they have a right to close an account for any reason and didnt offer any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I registered an account with Synchrony Bank ( Bank ) for the Synchrony Home card. Upon registration, I was offered the option to enroll in E-statements, and if I chose to, I was subject to the Bank 's " terms and conditions. '' There is no link or other access on the Bank 's account registration page to those afrementioned terms and conditions. I believe that consumers have the right to access those terms and conditions before finalizing registration and therefore making a decision whether or not to enroll in estatements. I am submitting a complaint based on this lack of information available to the consumer during the online registration process.

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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Regarding USAA Federal Savings Bank I received a call from USAA ( representative sounded female ) on XXXX XXXX, XX/XX/2019 at XXXX PST. The rep told me that my checking account has been locked due to fraudulent activity. I asked her what the activity was and she stated that she did not have access to that information and that I would need to call back after XXXX during normal business hours to get more information and unlock it. 
I called back on Thursday morning XX/XX/2019. I was told by the rep that I needed to change my PIN. I did this. 
I logged in to my account to find that my account had been thoroughly wiped out and used as a platform for fraudulent deposits ( about $ 39k ) and subsequent purchases ( $ 50k in debits ). There were at least 50 transactions processed in the window of time when the bank was closed. I had nothing to do with any of these and immediately called USAA back. The reps claimed I called USAA to have funds release and that I claimed they were valid. I made no such calls and have sent my XXXX phone bill to prove the calls did not come from my number. Someone fabricated this or spoofed (? is that the term? ) my phone number. 
I have now come to realize that one of the biggest challenges in dealing with an issue at USAA is that there is no ability to communicate seamlessly about an issue with a single person or entity. Every communication begins brand new and as a " member '', I must completely start at the beginning every single time I call in. I can not reference a " case number '' or issue id. Furthermore, I have come to understand that the representative 's NOTES concerning the phone calls we have can be completely fabricated. I discovered this today in speaking to the 15th ( + or - a couple ) representative who informed me that he sees a note on my record from the evening of XX/XX/XXXX that reads " Member called in and claims all charges are valid ''. This is false. I was under the impression that calls were recorded but apparently this is not the case either. I am at the mercy of their " notes '' that can be written to their benefit or to hide something they have done. 

I have submitted complaints to USAA as well as logged a police report. If identified through the police detective work, I will press charges against the criminals who used a debit card that was linked to my checking account. 

I need consumer protection help because my money was mismanaged by the very bank I trusted to safeguard it. I believe there were internal forces at work here to enable such a well planned gutting of my account. 

Attached are the fraudulent transactions, my XXXX phone log, one written complaint uploaded to the USAA portal and the Police Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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:
XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

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 2020-01-06 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: NY

Complaint narrative:
CRA failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My Mother died XX/XX/XXXX. I attempted numerous times to get an assumption and/or modification through the previous servicer Ocwen. At the time of her death, I lived there and am the sole heir. All documents were provided to both servicers. After the servicer change to PHH there was a loan account number change and delayed communications. In XX/XX/XXXX, I applied for assistance after my bankruptcy was modified and the loan arrears were removed from repayment through the ChXXXX. The assistance request was acknowkedged but there were 6 documents listed to complete the request. I did not get a response or a decision about how to submit the forms as they were not readily available. Starting early XX/XX/XXXX the loan was no longer accessible online and my payment was returned. When I called representatives would not give me any info about the loan citing bankruptcy laws despite the loan no longer being apart of that action. My bankruptcy attorney gave authorization via written correspondence multiple times in the last 12 months. On XX/XX/XXXX, I received a letter acknowledging assistance and listed the same 6 items. When I called to clarify the rep cited my bankruptcy again and insisted that I provide my attorneys number to authorize the conversation. I then emailed my question and never got a response. I received a letter dated XX/XX/XXXX stating that I had {$26000.00} escrow credit and that my new payment was due XX/XX/XXXX. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX warning me of foreclosure proceedings and that my file was with an attorney and foreclosure proceedings were starting not from the beginning but from the point of the last forbearance. The loan is not accessible on the website and the insurance has not been paid through the lender. I received a default payoff quote with the warning that proceedings would advance despite no prior notice of status. I notified the bank that the property will be sold within 30 days pending multiple private offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MA

Complaint narrative:
XX/XX/2019 my wife and I were not working so we asked XXXX XXXX XXXX for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that XXXX XXXX XXXX would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if XXXX XXXX XXXX was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

XXXX XXXX XXXX is saying we paid XXXX  2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.

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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a TDBank Customer in XXXX County, Florida. On XX/XX/2019, I tried to make a XXXX payment through my online banking portal. The transaction was flagged by TDBank as suspicious, even though I had done previous business with the merchant with no issues. TDBank disabled my XXXX capabilities while they " investigated, '' and later shut down all access to my checking account. I spent HOURS in the branch during the ensuing weekend trying to resolve the situation, but the branch employees, including the manager, not only were unable to help but were apathetic and uninterested in trying. Finally, after I posted a lengthy summary of the situation to XXXX, along with an entreaty to my followers not to do business with TDBank, someone from their corporate office called me on Sunday night and assured me they would resolve the situation by the following Monday morning. Little did I know, however that my nightmare was only getting started ... 

To make a very long story at least somewhat shorter, after the XXXX debacle, TDBank improperly and arbitrarily classified my checking account as a " non-transaction account, '' a code associated with savings accounts, money markets, and other such accounts on which checks ( including e-checks ) can not be written. They did not inform me they were doing this, and from what their employees have since told me, it should have never happened -- in other words, it was a negligent and careless mistake on their end. 

This negligent action by TDBank caused me to incur many returned payments, resulting in hundreds of dollars in late fees. My payments initially were accepted, but each time, I received a notice days later ( or, in a few cases, weeks later ) from the merchant ( never from TDBank ) that the payment was returned because of my account 's non-transaction status. By that point, the due date had always passed, causing a late fee to be applied. In one case, it took so long for the payment to be returned that it went past the 30-day mark, resulting in a 70-point plunge in my credit score. This drop, unless I can somehow resolve it, will  cause me to pay hundreds or even thousands more in interest if I decide to purchase a house or car in the near future. 

I am completely fed up and need help taking action. I strongly believe that I deserve restitution not only for the quantifiable monetary damages I have suffered in the form of late fees and returned payments, but also for the many hours of time I have lost ( time is money, after all ) and for the stress and emotional anguish caused by this exasperating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC
State: MN

Complaint narrative:
I have a consumer debt with XXXX XXXX card that was charged off and sold prior to me being able to pay off to JTM Capital Management LLC at that time it was reported to my credit as a negative item, I contacted JTM Management to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against JTM Management and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for JTM Management and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NOTIFIED THE CREDIT REPORTING AGENCY Equifax THAT I AM THE VICTIM OF IDENTITY THEFT ON several OCCASIONS AND a fraudulent ACCOUNT REMAINS THE CREDIT REPORTING AGENCY Equifax IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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:
THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.

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 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX-Home was flooded, filed claim with my insurance.

XX/XX/XXXX-Th e checks from my insurance were to be released through my mortgage
lender Chase Bank upon inspection of repairs checks were to be released in thirds to myself and contractor. 

XX/XX/XXXX- As the repair job reached the end the last payment was to be released I found out my Contractor was Unlicensed and I started finding his work to be below standards, he also turned in to my insurance for services and materials I never received. In California as an Unlicensed contractor he was only allowed to collect for each claim {$500.00} per claim, he ended up receiving well over $ XXXX, this is fraud and neglect on his behalf and I am in the process of pursuing legal action against him for this. Chase Bank released the last amount of repairs to me but they put my name and the contractors name on the check so I can not cash it to complete the rest of my home repairs. 

XX/XX/XXXX-I called Chase and they said they would not change the check with just my name on it until I mailed him the same letter certified 3x times asking do I owe him more money for the job? I even went into different Chase Branches asking for their help to correct this and they would always send me back to the same department. 

XX/XX/XXXX-I have since mailed my old contractor the letter ( one time only ) the bank says I needed to send him, but I have not received a reply from him. I do not owe him anymore as he has collected well over the legal amount he was allowed to receive. Even though I told the bank this information they still refused to change the check until I send him the same letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have two collection accounts showing on my reports that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: WA

Complaint narrative:
Per Discover 's request, here are the information they are requesting to remove the restrictions again

Company response to consumer: Closed with explanation