vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I wrote the  XXXX   Credit Burrows 50 ti mes sending them  XXXX  forms of ID that no bank will Verify m e two open a new account and the Credit Burrow docent respond or sends a Credi t Report so fore about a Year and half i have not been able  two Open a New Ba nk account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extend ed Alert i n my banking file and Im suppose d two call some Number  and call the Bank.   I have written all  XXXX   Credit Burrows two  remove the Hold on my account so i can G et a New Ba nk account.     The Federal Government determined me  XXXX  and my Mom Walked into   XXXX   XXXX   XXXX   forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and close d   XXXX      XXXX   XXXX   XXXX   XXXX  Accounts   XXXX   XXXX    XXXX  did n't close the accounts with Fraud i complaine d two    XXXX   XXXX   XXXX   XXXX  then sent  XXXX  of my ATM cards  two and   Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX  only 100 % respond its imposabl e two Comprehend .      Im  a Refugee living in  XXXX  and  have two move two a  new country every 3 months so I do n't use a Phone because they only work in  XXXX  country so i would ha ve two  Spend  XXXX  Dollars a yea r two D eal with the  Credit Reporting agen cy wants the ban k two call   me two open a  new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  two  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transf er Money two Verify Myself.        XXXX   XXXX   XXXX   XXXX  Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX   XXXX   XXXX   XXXX   XXXX  of the world and do n't wa nt two send    XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont wan t two R ight me Back in  XXXX  there is very little working mail.       Send the  Credit b urrow  XXXX  forms of I D 50 ti mes and they will only respond send ID

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a   XXXX   XXXX   and new to credit, I was unaware the filing for credit actually hurt your credit. As I was searching for vehicles to purchase I was applying to see who could give me the best rate. Now I can not get approved for anything, apartments, school, etc. I tried to contact  XXXX  of the  XXXX  credit bureous to have the credit inquires removed, the representative I spoke to was extremely unhelpful and seemed very unknowledgable about the company polices. I am impacted greatly by this simple mistake and I feel like I am a victim.

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 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I pay my   XXXX   XXXX   Credit card via automatic debits, and also have estatements. I notice my minimum payment continues to rise, yet I rarely use the card. I looked online and see that I am charged approximately  XXXX  per month for " debt prot '' -which I have never authorized. It appears that this has been charged to my account for at least 2 years, which is as far as I can go back online. This is approximately  XXXX  and  could easily be more as I have had this card for many years.

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 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Special Financing Company, LLC
State: LA

Complaint narrative:
I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Dear Sir, I purchased several  XXXX  giftcards and   XXXX   giftcards from  XXXX  on   XXXX   in  XXXX  and  XXXX  and recently I found that the cards carry balances o f Zero ( 0 ). I  have never used the cards myself for any purchases. As I made a google search I found that   XXXX    system was hacked in  XXXX  and my card information was stolen, same as many of the others. I have never gotten any information from ether  XXXX  or paypal about the system hacked. Clearly they tried to hide the information from the customers. I tried to contact   XXXX   but I was ignored. I filed complaints on  XXXX  website but the cases were closed since the purchase dates are more than 180 days. So I need your help to get the money back and let many of the others know about  XXXX  and paypal 's problem.     Here is the purchase information  : 1. {$ 75.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,   XXXX   item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number  XXXX  pin  XXXX . The card has a balance of {$2.00} when I used it.      XXXX   XXXX  of {$100.00}  XXXX  gift cards, purchased on   XXXX  ,  XXXX  item id :  XXXX  transaction id  XXXX  card number  XXXX  pin  XXXX  and  XXXX  pin  XXXX   XXXX . {$150.00}  XXXX  goftcard, purchased on  XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  goftcard, purchased on  X/X/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX  Thank you very much for your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX   XXXX  has denied any ownership interest in the securitized mortgage loan that is attached to my home.   Representatives from  XXXX   XXXX  have maintained that it operates merely as the Trustee for the owner / investor of my home loan. The records since inception have shown that  XXXX   XXXX  is the Trustee for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     Ironically, shown below is the message that  XXXX   XXXX  has sent to the CFPB, dated  XXXX   XXXX ,   XXXX   : " According to the records,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, and  XXXX   XXXX  maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. '' Coincidentally, one day earlier,  XXXX   XXXX , Assistant Vice President of  XXXX    XXXX    provided a letter to the CFPB, dated  XXXX   XXXX ,   XXXX   that states the following :   XXXX   XXXX   XXXX   XXXX    XXXX  has no beneficial ownership interest in the mortgage loans included in the Trust, i.e.,  XXXX  is not an investor in the loans. Instead  XXXX  merely holds legal title to the loans for the benefit of the  Trust 's Certificate  holders. '' However, the language used in the above statement from  XXXX   XXXX  and other correspondence reiterate its position on the ownership interest of the loan or certificates, and its recollection appears to be a sale of securities that it formerly owned to  XXXX     XXXX   XXXX    maintains no involvement in the ownership of the Trust, as it should n't per the rules of maintaining an arms-length relationship among servicers and investors.   Both banks appear to have some questionable connection  to Wells Fargo as  it relates to this transaction. All three entities have been recently sued for billions of dollar for similar activities.     Please have multiple agencies review the merits of my clai m, as Wells Fargo us es loopholes in the CFPB process to avoid providing a truthful response.

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 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient Corporation, my l oan servicer, has not provided me with accurate information about income-based repayment options. Since I requested this option, almost 4 years ago when I became unemployed due to a lay-off, they have given me inconsistent information. The link they provided me to complete the application for my husband did not work. As such, this process has been delayed, and I have had to place my loans in forbearance. The balance on my loans has increased dramatically, by almost {$10000.00} since eventhough many of my loans are subsidized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called my bank to inquiry about a repeat home equity loan, the loan  officer tried to take an application over the phone, but I explained I was not ready for that yet. She ( loan officer ) asked me to email her income documents of a secure nature. My wife said that email was not secure and that I should take them to her. She ( loan officer ) insisted that her customers do this all the time but my wife said no and I should bring to the office or fax them in. The loan officer insisted that I give her an a pplication but I told her I wanted to come into the office on Monday and we could do it then. I am  XXXX  and my wife said I should go in to their office to handle this kind of business. My call was simply an inquiry about their guidance and the fact that I had a previous loan with them. The loan officer said she had an apointment at  XXXX , so I went early as soon as they opened to talk to her. When I arrived Monday, they told me they ran my credit. I did not give them permission to run my credit. I am very upset about this violation of my privacy. She said I was lat e 13 times on my previous loan with them, but my credit report shows that I paid as agreed. After my wife called the branch manager to complain about the gros s negligence and violation of my privacy. I began to get calls for a conditional loan approval of a loan I have not filled out an application for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the information.

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 2017-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Car dealership used many banks to find financing for my daughter without my permission.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
DCI s ent an alleged debt notice saying I owed  XXXX   XXXX   XXXX  from my last bill. I sent proof of payment in full of my final bill and a refund check from  XXXX   XXXX   XXXX  to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Local Chase  branch continually calls me when I have 'large ' sums of money in my checking account trying to get me to setup either an additional savings account, investment account, or something similar. These calls come from multiple people, and it 's not acceptable. I get these calls throughout the year due to being self-employed and paying my estimated taxes, as those payments come out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I had this FHA loan since  XXXX . I refinanced in  XXXX . I have been paying FHA mortgage insurance for 26 years.  Loan  is  XXXX , appraisal of property is  XXXX .   with equity of over  XXXX , the monthly FHA insurance should be removed.   I have been trying to for 15 months to have Freedom Mortgage remove the mortgage insurance but i keep getting being ignored. I get con artists on the phone that use fraudulent methods to frustrate me.   I am confident that Freedom Mortgage of  XXXX  TX is employing fraudulent methods to steal its clients money.

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