vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased an item online at XXXX XXXX on XX/XX/XXXX. The item was a gaming PC that costed {$1700.00}. I checked the tracking number one day and it was marked as delivered, but I did not receive it. I called XXXX XXXX  about it looking for them to resolve it and they did not help. They told me it was out of their hands. The item was signed by someone that I do not know and I told them that. They also told me it was delivered to the house 4 houses down on the street that I live. And I do not live 4 houses down my street. They still refused to help me. I called my bank Chase to help. 3 months later on XX/XX/XXXX, I was told that my dispute was denied and that my bank can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2018 I sent a certified debt validation letter to Portfolio Recovery because there is a debt on my credit reports that this company has said it belongs to me. They have not sent me any validation of this debt and it has been well past the 30 days to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I HAD NOT REVIEWED MY STATEMENTS IN A FEW MONTHS, SO I DECIDED I WOULD GO THROUGH EACH CHARGE CAUSE IT SEEMED LIKE I WAS PAYING MORE THAN WHAT I HAD USED IT FOR! AFTER GOING THROUGH I FOUND A CHARGE ONXX/XX/17MADE BY XXXX XXXX  FOR XXXX ONCE I FOUND THIS I CONTACTED WELLS FARGO AT XXXX I SPOKE WITH A GIRL NAMED XXXX SHE TOOK MY FRAUD CLAIM AND SENT ME A NEW CARD THEN A FEW DAYS LATER I GOT A LETTER CLAIMING BECAUSE I KEPT MAKING PAYMENTS THAT I VALIDATED THE TRANSACTION! I KEPT MAKING PAYMENTS CAUSE I DIDNT WANT MY CREDIT SCORE TO GO DOWN, AND I HADNT GONE THROUGH MY STATEMENTS IN A WHILE CAUSE I JUST DIDNT HAVE THE TIME! I DID NOT MAKE THIS CHARGE AND I DESERVE MY MONEY BACK.

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 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ULRS, Inc.
State: GA

Complaint narrative:
I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX ( XXXX ) XXXX   XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX, MD 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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
A complaint was filed against on XX/XX/2018 against this company, the company responded on XX/XX/2018 and said ( see below ) they have requested to delete the account from Credit Bureau. 
As of today, the collection is still on the report and credit bureau said they have not received any notices form SOURCE RECEIVABLES Management to remove the collection. I have also disputed the collection account with credit bureau and they submitted my dispute to SOURCE RECEIVABLES Management but SOURCE RECEIVABLES Management affirmed the collection being valid.

************************************************************************ XXXX Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation We have received and reviewed the consumer complaint claiming that this account is fraudulent and therefore he is not liable for the debt we have reported to the consumer reporting agencies, and requests deletion from such agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. 

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. 

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. 

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am executor of my mother 's CD account. She had added 3 beneficiaries to her CD ( me, my brother and sister ). When she passed away recently, I tried to close the account and have three checks made out to the beneficiaries, as per my mother 's wishes. The bank refused to give me the three checks, even though they had been issued and were sitting in front of me, unless we provided them with a signed, notarized letter from each beneficiary requesting that the account be closed and checks issued to the beneficiaries. Mom had accounts at 10 different banks and/or savings and loans and this is the only one that required this additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I got a call from National Credit System Inc. ( XXXX ) about a debt that they were attempting to collect. It was {$120.00} for a cleaning on an apartment I used to live in in XX/XX/XXXX and XX/XX/XXXX. The problem is, is that we didn't leave the apartment dirty, it was actually cleaned before we left but I can not prove this. The main and pressing issue is though, that I never received back my security deposit, in which this {$120.00} should have been deducted from.

The original owners of the apartments sold it to another entity a few months ago, and it is the new entity that has sent it to collections. I am having a hard time trying to prove that we paid a security deposit, because I can't find a copy of the original lease from XX/XX/XXXX toXX/XX/XXXX, nor will they give me a copy of it ( claiming that it was in the files they received, which is a lie ). The collectors ( NCS ) won't give me a copy, and the new apartment landlord says they handed over all their documents and copies to NCS.

I'm stuck in the middle because I can't find a copy of the lease to prove we paid a security deposit, and that it was never returned me as required by law and the lease agreement. So if I could get access to the original lease, I can prove that there was a security deposit that the {$120.00} should have been deducted from, with the rest returned to me. The new landlord won't acknowledge that there was a security deposit, even though they forced us to pay a full month 's worth of rent as a security deposit, stated clearly as SECURITY DEPOSIT, not last month 's rent. I need help getting that original lease and help dealing with the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship. 
I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.

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 2018-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
License ( this was an attachment to my XXXX application last week ) Money seems stuck in Compliance. I made an error wiring {$10000.00} ( it is on statement as XX/XX/XXXX ) to my closest friend. Im retired now, following a XXXX XXXX, but worked as an XXXX XXXX XXXX and XXXX  ; XXXX  still does. He has an XXXX  visa, but he is a XXXX XXXX  and spends much of his time in XXXX. We became good friends on the XXXX XXXX XXXX XXXX.

My bank, Chase, gives me Private Client status, so the officer in any branch helps me as needed. Rather than send the wire from my usual branch, I went to the one closest to me since I moved two years ago. I look rather pitiful with a XXXX and bad XXXX, but for me the worst thing is the XXXX XXXX in my XXXX. The Private Client officer there told me, when I asked, that I could use my friend 's XXXX address on the form ( for his account, which is in XXXX  ).

I wanted him to have some money to use at the XXXX festivals. I had to remove more than {$11000.00} from my IRA ( necessary when one reaches XXXX  ), so my plan was to send him from that amount, since I am no longer allowed to travel. It hit me afterward that sending it to his XXXX account but using his XXXX, rather than XXXX, address, was not the right way to do it. A couple of days later, someone from the bank called and asked me some questions, which I answered ; they said that now, all in compliance was okay : the wire passed muster.

I received different answers from the bank when I followed up. One person told me that the XXXX   bank was holding the wire ( wrong ). And so on. I then asked just to send the money back to me, but it was frozen.

I called XXXX this morning and left a message. A nice, PATIENT fellow explained the license to me. I had spent the weekend trying -- unsuccessfullyto fill out and send the form. Now I have a very good computer techie helping me.

Ive collected some documents, attached here, from both my friend and myself. All of the necessary addresses and phone numbers are on the form.

Thanks for your help. A swift redeposit would help me, because I am losing investment money daily.

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I was charged a late fee even though a credit to my account ( from a return ) well before the payment due date more than covered the minimum payment due. They stated this is part of their policy but their disclosure ( Regulation Z / Truth in Lending Act ) did not include any such criteria/language. I repeatedly asked to be directed in their disclosure agreement where it stated a credit ( such as a return ) does not count as a payment. They were unable to do so and provided a copy of their Regulation Z / Truth in Lending Act disclosure ( the same one I already had ). I am aware of this practice as such a disclosure is clearly noted for an account of mine from different institution. I offered to provide this example to them but they were not interested.

When I asked the name of their regulator, specifically for UDAAP and Regulation Z, I was told the FDIC and then later told to XXXX  that information.

My phone calls to them lasted 35-40 minutes each, largely spent being transferred or on hold.

The late fee is now the only balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I  recently obtained a copy of my credit report from Equifax. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Synovus Bank
State: FL

Complaint narrative:
The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. 

I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. 

Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

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