vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 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: DISCOVER BANK
State: TX

Complaint narrative:
Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX  XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. 

Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a complaint recently in XX/XX/2019. My complaint number is XXXX,. The representative, XXXX XXXX, said he will provide me the payment history by XXXX-19 but I have not received the documents as promised nor have I received an update. 

I am not sure of the status of my initial claim or how to proceed? 

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 non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient continues to send me emails about the payment they expect from me in XXXX. They claim that my school didn't report to the XXXX XXXX XXXX XXXX. I logged into the database and it says that I am a full-time student. Therefore, there is no reason they should be sending me emails expecting payment. Their website gives you the run around when it comes to filing forms online and contacting them by email. They say if you log in you can email them. It becomes one giant circle of going around from page to page without finding the information you are entitled to. 

They keep everything under wraps and do not inform their customers of anything. This is predatory student lending or debt collection at this point. My student status was updated on XX/XX/2019. There is NO REASON they should be asking me for payment now. But they are and I'm sick to death of their terrible customer service and harassment. If they aren't doing their job and checking the database, then that's not my issue. Something needs to be done about this. They have helped my old school to rip people off, they took my money and I got nothing in return but they still have these loans. It's bad enough I have to go back to college to try and get where I should have been in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We were misled by the CHASE credit card 's 0 % APR cash offer that we did utilize twice in XX/XX/XXXX and in XX/XX/XXXX we paid it all back early, because of the scam about charging auto-matic purchase interest even when paying off all of our charges off every month, as usual. 

All 4 statements- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached, showing the history. 

Also attached is the XX/XX/XXXX letter to Chase regarding the mistake that they had made on our XX/XX/XXXX that appeared to cause a pitfall " every month '' as they again charged us purchase interest, ( on XX/XX/XXXX for {$37.00} and XX/XX/XXXX for {$22.00} ) even with ALL PURCHASES being paid off on or before the due date, as we always do. We'd like our {$60.00} for these amounts, returned immediately to our Chase card that ends in - XXXX. 

We never would have accepted their offer for only a 3 % transaction fee if Chase had disclosed that all of our re-occurring charges and other purchases, on this visa that ends in - XXXX. 

{$170.00} is the amount that we were charged on our XX/XX/XXXX statement for the {$5900.00} cash advance, we are not going to demand that CHASE return that, but they should. As anyone can see, we surely did not get to enjoy their offer for 0 % APR on the cash advance part of the statement for the year that they offered! We had to pay it off early to avoid that monthly " scam '' they run on the purchases! You'd have to pay off every purchase, while it's only a " pending authorization '' and before it posts to the statement to avoid being charged " purchase interest ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I took {$100.00} cash out of my checking account at a Wells Fargo ATM # XXXX / Bank at this address : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. An alarming phone call distracted me and I accidentally walked away, taking my card and leaving the cash at the mouth of the machine/ATM. I drove for 5 minutes before realizing what I had done. I turned my car around and called the branch immediately to ask if someone would check the machine for my cash. A manager named " XXXX '' got on the phone and said, " Mrs. XXXX, we have good news : our customers are very honest and one brought your cash in the minute you pulled away. We know it was yours because we can see you are the last one to use that machine and it was for {$100.00}. '' I came back to the bank within 10 minutes, asked if I could have the name of honest customer who brought in the cash ( to reward them ) but was told no. I was then told I can't take the cash - XXXX said it must be processed and it goes back to wells fargo, and will come back to my account in a few days - usually within 10 days. I was surprised but happy to get the {$100.00} back. I was shocked when XXXX said I had to complete a " claim '' to get the money back. It is now XX/XX/2019. I have been to the bank to tell them I've heard nothing, XXXX said it can take up to a month .... Now I have received 2 letters saying that the {$100.00} will be deducted FROM my account. What? It was NEVER put back in! I have also called a Wells Fargo number on my claim paper and was told the money was never processed. Then the person corrected himself and said, " It was reviewed and the money was giving to someone else. '' I have been to the XXXX XXXX branch 3 times to discuss this and they keep telling me XXXX remembers the situation well and now the money should be processed the right way. But I just received another letter saying I will not receive the money, and that another {$100.00} will be taken from my checking account.

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 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
A woman from a personal loan company threatened to freeze my bank account and seize my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a hard inquiry from Syncb/ppextr on XX/XX/2019 that i did not apply for or authorize. My credit score dropped 18 points because of this.

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 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My mortgage loan was transferred from XXXX to Flagstar Bank , FSB, XXXX XXXX XXXX, XXXX, MI XXXX. I set up on-line access and I can see my information as well as information for another individual 's account. I assume that since their private information is intermixed with my own, that my information is also compromised. I spoke to customer service on XX/XX/XXXX, who stated that they could not see the information that I could. They transferred me to a supervisor who never answered.

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 2019-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/2019 Navient gave me a lowered monthly payment. They took the money out of my account the same day. 
Today ( XX/XX/2019 ) I was informed through email that I did not qualify for the loan modification. 
Am I wrong in believing that if they took the modified payment amount out of my checking account, they have entered into a contract through their action? Is their attestation that I didn't qualify for the loan modification after taking the adjusted amount out of my account an attempt to break that contract? 
Thanks for your help in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
I'm demanding that the credit reporting agency Transunion either provide me with their Method Of Verification in regards to this instant matter or as stated within the FCRA laws delete/ remove / block the disputed accounts immediately. This is also backed by the FTC, inwhom I will report this issue to next if this isn't solved. These two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX {$180.00}, and ( 2 ) XXXX  XXXX XXXX XXXX {$950.00}, I have disputed for a few months now, but Transunion response by saying accounts verified. This is being reported without any physical documentation provided to me or them. I never recieved information regarding this Method used. Whom spoken with whom, what day, time, hour this investigation taken place. What lines of communication used, fax, email, phone, etc. Transunion without properly investigating these accounts has damaged my chances of getting any extended line of credit like a house.

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 2019-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
My identity was stolen and used. I want this removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, there was a fraud charge on my card. I informed My banking institution, they gave me provisional credit for XXXX. On XX/XX/XXXX the provisional credit was taking back, i called the bank and i ask them why did they take the money out of my account, the banker told me it was taking because they did not receive my my claim back that was mail to me, i informed her that i did not receive the form. The lady informed me that the claim was put in as a dispute, i informed her that it was not a dispute that it was fraud. So the lady informed me that since this was fraud that they were going to wave the check fees. The lady also told me that i had to go to my home branch and sign the documents, then they could rush my provisional credit, so i went to the home branch and sign the documents. then i called the bank again and informed them that i went to the home branch and signed the documents the lady told me ok, then she told me i will receive the provisional credit in three days.I called the bank back on XX/XX/XXXX what happened to my provisional credit, the lady informed me that my claim was denied, and that is why i did not receive the credit. I informed the banker how could she deny my claim when they made the mistake and file it as a dispute and it was fraud, and i did not make this charge. I informed the banker my wallet was lost. and someone found my wallet and use my debit card, my pin was in my wallet because i had a head injury so i forget stuff real fast. I also informed the credit beaural That my Identification was stollen also. they waved the fees but they denied the claim.

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 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX- XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a second mortgage or " line of credit '' with US Bank for the amount of {$120000.00}. I have had this line since XX/XX/XXXX. It has always been fully used up to pay for the home, and is interest - only payments. I have made those payments for over 15 years on time, for approximately {$500.00} / month with no decrease in the principal. 

My payments were always on auto-pay through my bank account at XXXX. However, those payments stopped without my realizing it, and US Bank had me on e-notifications, and I was therefore, unaware of the failure to pay. I did log on to my US Bank account online, and noticed that my Line of Credit no  longer appeared there. I called, and asked them what I owe, what was going on, and they couldn't explain it or fix it. 

I received a letter on XX/XX/XXXX that is dated XX/XX/XXXX ( sent certified, return receipt but the card on the letter was still attached and I did not receive it by mail until last week ). This letter says that I am delinquent by {$3400.00}. I called the number the next day, and was told that in order to " reinstate '' my loan I had to provide to US Bank branch {$7600.00} in cash by XXXX. It was XXXX when I received this information. The US Bank person told me that this was my only option or my house is being foreclosed upon! I have had ZERO notice. And no possibility to even get the cash there that quickly. 

I then called back the next day and after 75 minutes and being transferred to 5 different divisions at US Bank I was told absolutely nothing about the status of my account, what I owe, if they are foreclosing, nothing. And I am still unable to see anything online. My complaint is lack of notice, lack of ability to get information, and generally total fear of what they are going to do to me. My mortgage on my first loan is up to date, and not in arrears.

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 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Co-Operative Adjustment Bureau, Inc.
State: CA

Complaint narrative:
This is fraudulent and needs to be off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: NJ

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation