vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 I got an email, and also a text from Chase asking if i had made purchases. The purchases were three transactions from XXXXXXXX XXXX online of XXXX. Total of XXXX dollars. I replied and told them I did not make the transaction so they closed that card and sent me a new one. I also spoke to a representative over the phone and told them I did not make the purchases. They canceled the card and the transactions. On XX/XX/XXXX I went to check my account and saw that they let the transactions go through. I then called chase and they told me they contacted XXXX and they authorized the transaction. The purchase was of 15 downloaded XXXX XXXX office. It showed up as three different transactions. I filed a police report. I am now out XXXX dollars and it has dropped my credit score about 100 points. Chase has been nothing but a hassle, my fraud representative at chase said he knew it was fraud but they still let the transaction go through. The transaction should have never been put through, Chase is at fault for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX  District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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:
On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported 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 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Blocks my bank Account so XXXX XXXX Wont work XXXX XXXX may Work fore 98 % Of Wells Fargo Customers and Wells Fargo Block XXXX XXXX use fore Anyone the bank Docent Like Wells Fargo Block me making XXXX XXXX Money transfers then Wells Fargo Says that Wells Fargo is not responsible fore 3rd Party Bank Machines that dont work with My bank Account that is Blocked by Wells Fargo and XXXX XXXX may Work fore 98 % of Wells Fargo Customers 4 years Im a XXXX in Foreign Countries like XXXX is {$110.00} Dollars max ATM Withdrawal with {$10.00} Dollars in bank Fees and XXXX XXXX Transfer transfer {$2500.00} dollars fore {$6.00} XXXX XXXX Askes fore my Online Banking Wells Fargo User name & Password Wells Fargo Denied then 5 Minutes later the XXXX XXXX Transaction works with XXXX XXXX I enter my XXXX XXXX Online User Name and password and XXXX XXXX Works I contacted XXXX XXXX says Wells Fargo is Blocking the XXXX XXXX Transaction is Blocked by Wells Fargo is what XXXX XXXX Customer Service told me XXXX XXXX 500000 Agent locations worldwide XXXX XXXX probably Work with All Countries online Banking and XXXX XXXX docent work fore me because Wells Fargo Block my bank account almost all my Online banking is blocked by Wells Fargo I complained a Wells Fargo Bank Teller might have Robed me then Wells Fargo Fraud Department Refuse Two File the Complaint a Wells Fargo Bank teller Robed me and my only and Next 20 Trips Inside a Wells Fargo bank all of my 20 Cash Withdrawals a Bank Teller had two Verify me 3 years Wells Fargo Block my Wells Fargo Credit Card wont work with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I was pre-approved on XX/XX/2018 from for multiple loans on XXXX XXXX and XXXX  powered by Avant was one, who provided the best rate of 9 % based on soft inquiry.. I decided to apply and complete application with them on Monday XX/XX/2018. Since pre-approval on XX/XX/2018 my credit score went up by 5 points because I have paid down another account on my credit ( MY CREDIT IMPROVED ) I processed application and was asked to complete task. Provide my bank log in information, and my last month bank statement. A disclosure came up that states a decision will be made within 24 hours. Next morning on XX/XX/2018 I called to question why was I required to provide my bank account login information as I was uncomfortable afterwards. I didn't feel comfortable giving my credential for a loan company to access my bank info anytime. They did explain that this was to verify my income. The person I was talking too, mentioned that they want another paystub " showing my monthly bonus '' added. At this point I was very upset because they can clearly see my year to date income WHICH INCLUDED my bonuses on my recent pay stub. I provided the info and waited till Wed XX/XX/2018 morning and still no decision. At this point I am extremely hesitant and called XXXX at XXXX and asked to withdraw application a requested to speak to a manager. I was told by a male that a manager would have to call me back about my concern. Never heard back from a manager, I then received email on XX/XX/2018 at XXXX XXXX  that states " Right to request specific reasons for credit denial '' Your Credit Score : XXXX Date Credit Score Created : XX/XX/2018  Score range from a low of XXXX to a high of XXXX Key Factors that adversely affected your credit score : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Time since most recent account opening is too short Inquiries impacted the credit score I then called XXXX and asked for manager again. They introduced me to XXXX who confirmed at the beginning of the call that I was talking to manager. I shared the reason why I wanted to withdraw and my hesitation on sharing multiple income information. She confirmed that they reason they didn't give a decision is because they were closed at XXXX and opened next day at XXXX. THE DISCLOSURE DOES NOT STATE THAT! it states a decision will be made in 24 hours. She confirmed later that she was a supervisor and when asked to speak to someone in management she said there would be no one available to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My loan was sold and the servicer is Fay Servicing, 1st I was laid off XX/XX/XXXX I applied for Keep Your Home, CA which they sent the request to Fay Servicing 3 to 4 electronic submittials. I spoke with XXXX my case worker with Fay Servicing from XX/XX/XXXX through XX/XX/XXXX about where is the electronic document from Keep Your Home CA, each time he spoke they did not have a profit and loss department, finally requested a supervisor, and she provided her email with no help. Keep Your Home expressed that if Fay servicing doesn't agree and return the document it was out of their control. Finally the middle of XX/XX/XXXX, XXXX said he has the Keep Your Home document., but I already notified Keep Your Home I returned to work, therefore I would no longer qualify under their program as unemployed and was instructed to apply with Fay Servicing . I applied for assistance with Fay Servicing to get my mortgage current and I have been waiting for the response since it was submitted in XX/XX/XXXX. Yesterday XX/XX/XXXX, Mr. XXXX XXXX, my case worker for Fay Servicing said I did not qualify they would not move the 1 month behind to the back of my loan and further insulted me saying I was living beyond my means. In addition, I have other concerns regarding the handling of my loan : early this year Fay Servicing constructed to not uphold my modification : no longer were they going to pay for my homeowner insurance, ( Fay Servicing has the loan modification document ) I supplied them the HOA master policy, although this was in my original loan modification XX/XX/XXXX with the previous investor/servicier ( XXXX XXXX XXXX  ), Fay Servicing discontinued paying it. I'm currently paying it. 2nd my mortgage payment went from {$1800.00} to {$2000.00} a month Fay Servicing said there was not enough in escrow due to my property tax. There is no increase in property tax of an additional {$2600.00} a year. I explained there was no problem with escrow prior with the previous servicer. Mr. XXXX XXXX email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
My Barclays card pmt was due XX/XX/18, but the bill closes on XX/XX/18. 
I paid on XX/XX/18, and was charged late fee and interest. 
I believe it is wrong to make due date earlier that bill close date. 
It is a money making scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
Carrite holdings and brite financial had me sign paperwork to install a device to remotely disable the vehicle purchased. This is illegal in the state of WI. Further having this device installed and if it has been used could cause major engine malfunctioning while driving. The vehicle does hesitate to start intermittently and will not stay idle intermittently. In addition paperwork was sent for a right to cure default on lease postmarked XXXX in the state of WI at least 15 days should be allowed. I had already attempted to set up a payment plan via email. NOONE answers the phone ever and the recording clearly states they are having phone issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent several letters to Experian advising them that one or more of the Dismissed bankruptcy on my credit file was not authorized ( has no signature ). I contact the United States Bankruptcy court to dispute the information directly and was advised to contact the credit bureaus, which I did on many occasions. ( See enclosed ). 
Each time that I send Experian letter to inquire about the unsigned dismissed bankruptcies on my profile. They send that same standard response. THE INFORMATION HAS BEEN VERIFED. It doesnt say how and who the information was verified with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was intentionally and unintentionally negligent by releasing the {$12000.00} that I deposited to a fraudulent account at their institution after they had been notified that this was a fraudulent account and a scam. There was a police investigation by the financial crime unit of the XXXX County Sheriffs Office ( Case # XXXX ) and there were several complaints entered against them to prevent release of these funds while there was a criminal investigation. At the time, complaints were filed with the Florida Attorney General 's office, the Florida Office of Financial Regulation, the Federal Trade Commission and the Consumer Financial Protection Bureau. As per information released by subpoena and included in the police report, Wells Fargo allowed the account to be closed on XX/XX/2018 with the withdrawal amount of {$11000.00}. Wells Fargo confirmed that the money was sent to the name and address listed on the fraudulent account. 
The police report and previous Wells Fargo correspondence is available upon request. The OCSO also has evidence on a CD of investigative subpoena items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have lived in our home for 15 years and have never missed a payment on our mortgage to Ocwen Loan Servicing, LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
However, interestingly enough, we have been sending our payments to an address in XXXX XXXX, IL. 
This month 's invoice dated XX/XX/XXXX, includes a charge for {$240.00} for " Past Due Fees/Other Charges. '' Since we have never missed a payment or been  delinquent in any manner, we were puzzled. We called Ocwen ( not certain of the date ) and asked about this charge. They told us it was some kind of processing charge from 2013. Still puzzled, we called them to ask for some authentication of this fee. 
They sent what they called a Payment History. It is essentially a spreadsheet with 52 items on it, none of which we can understand. However, it does end with a - {$240.00}. It is of no help in understanding their claim. 
So now our questions are : 1. Is this a legal charge? 
2. Is it legal to go back 5 years and tell a client she has a charge she has no way of understanding? 
3. What are our rights in this situation. 
I have decided to do this : I am sending this months payment with a check, not electronically as I usually do. I will send a letter with it explaining I have filed a complaint with the Consumer Financial Protection Bureau and I will not pay this extra amount until the cast is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX was included in Chapter XXXX bankruptcy filed on XX/XX/2018. Bank responded and filed a claim with the bankruptcy trustee on XX/XX/2018. XXXX XXXX XXXX  has continued to attempt to collect the debt by sending notices to my home and by reporting that we are 30, 60, 90, and 120 days late in payment to the credit reporting agencies. Bank was contacted, situation was explained, Experian was contacted to file a dispute, and still XXXX XXXX XXXX  attempts to collect a debt that is in bankruptcy and that they have filed a claim with the bankruptcy trustee to be part of the bankruptcy payout. XXXX XXXX XXXX is breaking Texas unfair trade practice laws, the federal Fair Debt Collection Practices Act, Texas fair debt collection practices laws, and the Fair Credit Reporting Act. XXXX XXXX XXXX was contacted, given the bankruptcy information ( even though they had filed a claim with the court ) and told to remove the negative information from credit report and to stop sending payment requests to me. They have not corrected my credit report. 

NOTE : I have copies of the statements where they tried to collect I can send at a later date. bank reported 120 days late AFTER I contacted them to STOP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: PA

Complaint narrative:
I paid Ameritech both upfront and monthly charges to assist in servicing my educational loans. The monthly fee of {$99.00} was for " educational services '' which I never used and was under the impression that I was required to pay.. Upon learning of the FTC 's suit against Ameritech ( FTC Matter/File Number:XXXX XXXX, Civil Action Number : XXXX ) I cancelled my account and requested refund of the $ XXXX/month fee which began in XXXX of XXXX and continued until XXXX of XXXX. Ameritech denied my request and noted that Ameritech had counter-sued the FTC. I believe that this money should be refunded.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would not make any complaint if it happen only 1st time. However, it keep repeating and kind of abuse my account. 1st time I purchase my house, my family and relative send me check to help me to buy house. Right after I deposit check, Chase withdrawn money from donor account ready but they keep placing holding for 7-11 days more. I have patience to wait to clear. Then, I wrote check out to title company to make initial deposit. They said my account insufficient. Even though amount is over than what I wrote. I have to call them and they said they release now. 
This is second time, I deposited money and they withdrawn money from payer ready but they emailed and said place it on hold again. I know that sometime big amount can make them money and cause for being greedy to treat customer in the way as they stupid. If I dont file dispute, they would do same as next and few. I have bill to pay but they put on hold too long and I dont think appropriate while they took money from another out and place on hold. Do you think it is fair while I have to pay for late charge credit card even though 1 days, another bill. Any rule and regulation for them???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
On XX/XX/2018, I attempted to dispute an account from XXXX XXXX   ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.

Company response to consumer: Closed with explanation