vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2018 me and my wife { XXXX XXXX XXXX & XXXX XXXX XXXX } open an checking account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX after three day later XXXX XXXX tried to conduct banking business on Monday XX/XX/2018, XXXX XXXX was then informed by the teller that our checking account was suspended. she { XXXX XXXX } then consulted with XXXX XXXX Assistant Branch manager for further information regarding the account, XXXX XXXX reach out to account recovery department, and they informed her that " XXXX XXXX XXXX have a XXXX XXXX dollars that have been charge off by the bank '' XXXX then informed me { XXXX XXXX XXXX XXXX I then reach out to account recovery and branch manager XXXX XXXX they informed me " we can not give you that information and we can close your account without given any reason 's " Account Recovery Department informed me that " if you removed your self from the checking account XXXX XXXX XXXX can continue to have her checking account " on XX/XX/XXXX XXXX we have received letter by mail stating ; " We have blocked the accounts ( s ) above and will close it soon. We're doing this because of recent activity on the account ( s ), or because you didn't provide information we requested " reason 's  given by the bank was not accurately given. there was no fraudulent activity on the account and we have provided all the information requested, Chase bank is continually refusing to address my concerns first, XXXX XXXX dollars was included in bankruptcy eight years age, secondly, refusing to give reason 's why Chase Bank does not want me on the account. It appears that Chase Bank is engaging unfair discriminatory practices and mistreatment, this is violation of my civil rights Title 18, United States Code, Section 242

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. 

XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. 

At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! 

Respectfully, Unhappy in MS

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 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have this information in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.

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 2018-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now  struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I discovered late night on XX/XX/XXXX the following notice within my PayPal account. 

" Credit servicing on PayPal.com will be unavailable from XX/XX/XXXX at XXXX XXXX ET to XX/XX/XXXX at XXXX XXXX ET due to site maintenance. We apologize for the inconvenience. '' Today XX/XX/XXXX I received a reply from PayPal Credit informing me that nothing is wrong with my PayPal account but at this time some system will not allow transactions through my PayPal personal credit account. Furthermore within the letter it goes on to state the following : " PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. '' However, PayPal 's statements and its systems actions has no integrity since as a whole I can not use my credit as needed nor for any purchases where applicable. It has been restricted and I have been forced to use other funding options at checkout. 

Again nothing is wrong with my PayPal credit account as of today and my available credit covers the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, XXXX  and Experian is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since 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 non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On aboutXX/XX/2018, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 -  Reference Trace Number : XXXX {$10000.00} on XX/XX/2018 - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; t=I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX, a " supervisor '' in their personal loan department several times to no avail. While he has been polite he has acknowledged the frustration surrounding this matter, both on his part and mine. He is struggling to get answers on his end! 

I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: NY

Complaint narrative:
I am a victim of fraud and identity theft. An individual was able to finance a car under my name using fraudulent information. I sent the police report, the written affidavit, and proof of identity to Equifax on XX/XX/XXXX. I received confirmation that F.Shavers signed for the package on XX/XX/XXXX. I have called and spoke to several people in the fraud department ; however, the item is still on my account. I am frustrated and feel victimized all over again. It isn't fair to be treated this way. I am at my wit 's end. None of the other credit bureaus are giving me a hard time except for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I sent notice by certified mail to XXXX XXXX XXXX TO CEASE CALLING ME AT WORK BECAUSE MY EMPLOYER DOES NOT ALLOW THESE CALLS. AND YET I AM STILL HARASSED BY PHONE NUMBER XXXX EXT.XXXX. I HAVE ALSO CALLED AND INFORMED THEM THAT I AM SETTLING MY DEBTS THRU XXXX XXXX XXXX, XXXX. AND THEY STILL CALL MY EMPLOYERS NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. 

In the summer of XX/XX/XXXXOCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXXas well. 

I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN  customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. 

OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. 

As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. 

I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. 

Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

Any attempt you could provide would be greatly appreciated.

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 2018-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I paid XXXX XXXX phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named Diversified Consultants saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 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: OH

Complaint narrative:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My last name is misspelled. It is listed on Equifax as " XXXX ''. That is incorrect. My last name is spelled " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
Thank you for taking the time to read my message, it is highly appreciated. 

We have been dealing with the company Mortgage Center ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX, Michigan XXXX ; ( XXXX ) XXXX ) for the last two weeks.! 0 years ago, when the Condo we live in was purchased, the mortgage was through this company. About a year ago, we paid off the mortgage. When we wanted to go ahead and close the sale of the Condo two weeks ago, we were told that the Mortgage Center had not properly closed our account and released the lean. When we contacted the Mortgage Center Service Center, we were told that they would look into this and reach out to us. But, instead of reaching out to us, we had to call them every day the last two weeks just to hear the same response. We have not been reached out to, there was no tag on our account, that we had requested this issue to be solved and not once did the person who answered the call know that this situation had been going on. 

It really raises the question if this company is a legit company. When I went online to research the reviews and the experiences other people have had, I realized that this is a very common situation with Mortgage Center. 

Please, take the time to investigate this company and this situation. We are having serious problems because of the malfunction of Mortgage Center and we are the only ones who are suffering severe damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.

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 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX in XXXX Al reported/submitted/requested/added a Hard Inquiry on my credit report XX/XX/XXXX and XX/XX/XXXX that i did not apply for credit or an update or give permission to XXXX XXXX permission to do.

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