vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 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: CA

Complaint narrative:
CHASE VISA  closed on   XXXX   XXXX   XXXX   ; {$9700.00}   15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE I am requesting a copy of my application and any and all disclosure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans.
Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a mortgage loan with  PNC Bank.  Recently, I had a slab leak and the insurance company sent me a check for the damage that need to be co-endorsed by  PNC before  I can deposit it to my account. The work was already done and I have to pay the construction company. However, I ca n't deposit the check from my insurance company because I ca n't get a hold of anyone over  at PNC. I 'v e waited in the phone for hours. I 've sent them messages through their online account system and no one has contact me back yet. There is no way to get in touch and speak to a live person whatsoever. Meanwhile, I have to write a check for the money that I do n't have to pay the construction company beca use PNC wo n 't contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In response to my dispute to Equifax to Validate public records listed under my name, Equifax has somehow obtained my personal pay stubs listing my income along with other private information showing how much I pay for my 401k and how much money is deducted from my Social Security. This is a privacy breach because I never gave anyone AUTHORIZATION to obtain or furnish my paystubs containing my income.     Equifax has already deleted this from my credit file after my reinvestigation and has now reinserted this information back to my file without prior notification to me.     In failed efforts to provide VALIDATION on the public records Equifax contains in my file Equifax has now violated me by obtaining identifiable information by mailing me copies of my paystubs.     Using my personal paystubs as a document to support or validate the public records is a privacy breach and consumer violation as my paystubs does not support the case of VALIDATION to information contained in ones file on filing for. Equifax contains in my file is not public record. My personal income is not public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
COMPLAINT ABO UT CITIBANK PROMOTION - FA LSE ADVERTISING/SCAM Please see attached proof from the bank er (   XXXX   ) ind icating the account she opened for me - did qualify for the promotion and I would get paid the  XXXX  on  XXXX   XXXX  /17, as th e promo stated.       I* have attached correspondence from  CITI a nd myself for your perusal along with the advertisement from the bank The promotion was for  XXXX  - I deposited $  XXXX  had the banker told me she could not honor the promotion without opening a checking account - I would have told her to open a checking account and deposit  XXXX  into the checking account and leave the remaining  XXXX  in the savings account. that IS A NO BRAINER - SHE DID NOT SAY THAT AND SIMPLY SAID I DO NOT HAVE TO AND GAVE ME THE CONFIRMATION. I AM UNABLE TO SCAN THE DOCUMENTS, SO I AM GOING TO FAX IT OVER TO YOU Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
On  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX   pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in  XXXX .    XXXX   XXXX   XXXX   has  once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in  XXXX  and was removed from  XXXX , however NRA refused to remove the account from  XXXX  and  XXXX , therefore knowingly and willingly leaving the incorrect information on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I visited a Chase branch to discuss a credit card transfer and while I was there the banker mentioned the {$300.00} coupon they have for opening a checking account with direct deposit. So I agreed and spent the next hour opening up a checking and savings with the Chase banker.      After my  XXXX  direct deposit I waited a week and checked my statement to see if the {$300.00} had posted into my checking account yet.     It had not posted so I called up to the banker who opened my account to check the status. She got with the bra nch manager and t hey said they would get back to me the following day.     No one ever got back to me so I called back and talked to the branch manager and she mentioned she would contact the back office again.     After I never heard anything again after a few more days I went up to the branch to see if I could resolve the issue in person.     I was then told by the branch manager that there was nothing she cou ld do bc the ba ck office said even though it was the bankers mistake of not entering the coupon code correctly, I would not be able to get the {$300.00} I signed up for.     I immediately pulled all of my money out of my checking and savings account with Chase because I was furious and emotionally drained from all of the time spent opening an account/following up/closing my account.     And I find it hard to believe they do n't owe me my {$300.00} still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: AZ

Complaint narrative:
On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: CA

Complaint narrative:
XXXX   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I had a  XXXX   XXXX   XXXX   XXXX  with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in  XXXX   XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on  XX/XX/XXXX  and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with!  A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.

Company response to consumer: Closed with explanation