vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
They closed ALL  XXXX   Chase Cards   ( Business & Personal ), and I dont like that. I am a loyal customer who Charges & Pays in  full, About {$30.00}  Grand per Month. N ever lat e. Always Paid in Full. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed to the credit bureau the reasons why   XXXX   XXXX   XXXX   located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this      XXXX   XXXX   2016  , It   has been a year yet I have not received any feedback but yet this is still 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 2017-05-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit 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 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Recently,  Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the  XXXX  and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this  months statement does n't say what the  XXXX  fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with  Ocwen, th at they email confirmed, for   XXXX   XXXX   at   XXXX   XXXX   but they never called and still have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One  Auto Finance provided a document as their method of verification how was this physical documentation provided to the credit reporting agencies  XXXX ,  XXXX   XXXX  and  XXXX . Please provide the method of verification, did you all under the FCRA law send this physical documentation with my signature to the credit bureaus, IF NOT, then the information under FCRA Section  623 of the Fair Credit Reporting Act governs the responsibilities of furnishers ( CAP1 AUTO FINANCE ) of information to consumer reporting agencies to report 100 % verifiabl e and 100 %. If this physical contract with my signature was not PROVIDED to  XXXX ,  XXXX , and  XXXX   XXXX  I attend to Pursue litigation under applicable laws for this violation. Send it  Via  CFPB portal the confirmation of this contract with my signature and how you sent it to  XXXX ,  XXXX , and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo wiped out my savings without my knowledge. I did not get any warning or letter or whatsoever. Wellsfargo closed my credit card since this company charged my credit card with fees and interest. I went  to ask in their branch on Saturday in  XXXX   XXXX / XXXX / 17  at  XXXX  and the clerk said I have to call  XXXX  no. which is closed. The clerk was not patient and empathetic to my situation. I was just told it 's legal matter.

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 2017-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I went to the  TD Ba nk in  XXXX  MD on Friday,   XXXX   XXXX   XXXX     to cash a check for {$9000.00} that was written on a TDBank checking account. The  He  ad Teller , Ms.  XXXX   XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about  10   minutes ).  She consulted the computer an d one o f her colleagues ; and a t one  point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms.  XXXX  explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on  TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: NY

Complaint narrative:
There was a computer glitch with TransUnion. It caused the inquiries to be deleted.   TransUnion later added them back to my credit report without giving me any notic e five  days prior to re-adding them, that by law they have to. I contacted in good faith to ask them to the inquiries that they had illegally re-added. I spoke to  XXXX  on  XXXX / XXXX / XXXX  around  XXXX  and nothing could be done. As a resolution I want the inquiries to be deleted permanently from my report as a violation took place when they were illegally added.     These are the  XXXX  inquiries :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My wife and I moved back in  XXXX  of  2016. Since that time there have been   XXXX    attempts where someone has applied for an Amazon.com credit card through Chase Bank in my or my wife 's name. These applications have all used our old street  address.     Each time this happens I 've call ed Chase to indi cate that the application is fraudulent and had the application denied.     I have spoken multiple times to bo th Amazon and Chase customer service indicating that I have no intention of applying for an Amazon or Chase credit card, and  I would like them to deny any application in my name, but both have indicated they can not do anything to help me. They each directed me to the other for help. Neither is accountable for the problem. An  Amazon agent did indicate one time that she would call Chase on my behalf, but it had n o effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed  XXXX  entries on my credit report that I thought should not be there these companies took me to court and lost. Could n't prove debt was mine. I disputed with transunion. They completed investigation all companies verified and updated info.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I paid this company {$290.00} which after reading I now know it was against the law for them to charge me before doing any work. Anyway I paid them {$290.00} on  XXXX   XXXX ,  2017  to remove inquiries off my credit report. They insisted I pay through   XXXX    because   XXXX   wouldnt allow credit repair payments. I now know its all part of their scam. They promised results by that weekend the results never came I messaged them and it was first just excuses then turned to them being rude and almost threatening. I have researched this scammer and have found many people who they have also scammed and they are also filing complaints.

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
There is a major discrepancy being reported on my criminal record! I have NEVER been arrested for  XXXX  and the name on the report is pertaining to someone named,  XXXX    XXXX    XXXX !!! I have asked this to be corrected previously with no luck.     Search ID #  XXXX . Please correct ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My name is  XXXX   XXXX  an d BSI Financial has b een my loan servicers since  XXXX   XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very   XXXX   XXXX   XXXX   XXXX  . Since last year we 've requested loan modification from  BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.   We found a lot of fraud, especially with the   XXXX   company. You can look at the attachments and see what kind of fraud   XXXX   creates. They tried to sell my property illegally, they do n't have any right to sell my property on  XXXX   XXXX ,  XXXX .       XXXX   XXXX     XXXX  pdf See  attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX  I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a   surprise as I have never missed a payment since I have had the accounts. I called  American Express to inquire about the account closures.    I was initially told that my account  ( s )  were being closed because :  1. O n  XXXX   XXXX ,   XXXX   my   XXXX    Score was  XXXX   2.  Ratio of revolving account balances were too high 3. There is no recent information about installment accounts   4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance.      c. American Express Collected  a payment of  XXXX  on  XXXX   XXXX ,   XXXX  . However , American Express  denied receiving/collecting the  XXXX  payment on  XXXX   XXXX ,   XXXX  . My bank statement denotes the payment being returned with  XXXX  reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with  American Express at anyti me e. As for the ratio of revolving accounts, I only have the  XXXX   XXXX   credit c ards and no other credit account s f. Last  time I checked,  XXXX  was a soli d credit score Af ter noticing the error on my bank statement ( for the  XXXX  payment ), I conducted a brief review of my  American Express CC Statement Payme nts vs my  XXXX  Checking Account.     I discovered  two p ayments in the amount of  XXXX  each were collected on  XXXX  and  XXXX  by from my  XXXX  Checking Account and never credited to my  XXXX  accounts.     Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied  by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capit al One Auto Loan is a bad decision. I fell into hard times but still paid my car note. I had car insurance got into a auto accident, and the car was deemed totaled. Capital One still to this day h as this car showing as a repossession on my credit report when that is inaccurate. When a car is totaled the insurance company pays the car off, which in turn is why this car should not show as a repossession on my report it should show as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.

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