vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
My beloved wife XXXX and I went to the XXXX XXXX in XXXX, New Jersey in order to cash a {$76.00} joint income return tax refund check from the State of New Jersey! 

I was told that my wife had to have an account there! I was also told that the State of New Jersey requires a joint bank account in order to cash joint tax return tax refunds! 

I said this is my wife! I was not believed! In effect, I was called a liar! My wife was asked for identification! This was humiliating and embarassing! 

Other customers patiently waited! 

I was told to deposit said check and then fill out a withdrawal slip!

Fifteen minutes went by and finally, XXXX, we received {$76.00} in cash! 

But what do poor people do who have no checking account let alone a joint checking account? 

Ourageous! 

A violation of law and/or public policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: AZ

Complaint narrative:
XXXX ; Experian and XXXX are reporting a 30 day late payment on the XXXX  partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from 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 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an email saying that I was now under a binding arbitration agreement, and that in order to opt out of it I have to jump through a series of hoops per their definitions in a timely manner. 

If they can email me out of the blue changing the terms of a legal agreement, I ought to be able to respond via email. Saying " here 's a binding contract, in order to disagree you have to go buy stamps, take time out of your day, write a letter with 18 pieces of information, etc ... '' is insane. I did not agree to this contract, my failure to respond is not consent, and setting obstacles in place to not allow me to disagree must be illegal. 

Chase Bank is engaging in anti-consumer practices that should be curtailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I FILED FOR BANKRUPTCY CHAPTER XXXX BACK IN XXXX. I WAS BEHIND IN MORTGAGE PAYMENT FROM XXXX. I WENT THROUGH A TRUSTEE TO MAKE PAYMENTS BUT CONTINUE FROM THAT POINT ON TO MAKE ON TIME PAYMENTS TO OCWEN MY MORTGAGE HOLDER. IN XX/XX/XXXX I STARTED GETTING LETTERS FROM OCWEN FOR DIFFERENT PAYMENT AMOUNTS. I TRIED CALLING BUT BECAUSE I WAS IN BANKRUPTCY THEY COULD NOT SPEAK TO ME. MY BANKRUPTCY WAS DISCHARGED IN XX/XX/XXXX. I GOT 8 DIFFERENT LETTERS FROM OCWEN IN XXXX AND XX/XX/XXXX I TRIED CALLING TO CLARIFY NOW MUCH I SHOULD PAY AND THEY STATED THEY COULD NOT TELL ME BECAUSE THEY HAVE NOT RECEIVED BANKRUPTCY DISCHARGE NOTICE. SO IN XXXX I PAID THE SAME AMOUNT AS I DID FOR THE PAST 7 YEARS. I HAD NO FURTHER CONTACT WITH THEM AND I PAID VIA PHONE AND I PAID AMOUNT OWED AS STATED BY THEIR COMPANY. I FIND OUT IN XXXX OF THIS YEAR WHEN I WENT TO REFINANCE THE HOUSE THEY REPORTED ME AS LATE FOR XXXX FOR XXXX STATING I DIDN'T PAY THE POST PETITION AMOUNT. I CALLED THEM ABOUT THIS AND ONE REPRESENTATIVE STATED I MISSED PAYMENT IN XXXX. THEY REFUSED TO REMOVE THIS PAYMENT FROM MY CREDIT REPORT AND I HAVE ALL RECEIPTS OF PAYMENT FOR THE ENTIRE YEAR OF XXXX AS BEING ON TIME. I WOULD LIKE THIS REMOVED IMMEDIATELY AND THE ACTIONS OF OCWEN ARE UNJUST UNFAIR AND VIOLET FEDERAL GUIDELINES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.

Complaint narrative:
I opened my Savings Account with SunTrust Bank in XXXX in XX/XX/XXXX. SunTrust sent the XXXX form to me every year so that my husband and I could complete and return it. Around XXXX / XXXX XXXX XXXX had a protracted postal strike and our postal system all but collapsed. During that period we didn't receive these forms and I think this started our problems. We emailed SunTrust a letter instructing them to close our account and pay the money into our XXXX XXXX XXXX  account. 

SunTrust 's XXXX XXXX replied in an email on XX/XX/XXXX that our signatures didn't match the signatures on her records which is absolutely nonsense as they received our signed XXXX forms for at least 10 years. 

On XX/XX/XXXX we received a notice that the account had been closed and the money transferred to some lost property account!! We need assistance in tracing where our money was transferred to and how to get hold of it.

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 2019-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
Professional Bureau of Collections of Maryland , Inc sent a notice on XX/XX/19 to offer a settlement of debt if I paid {$2900.00} by XX/XX/19. I paid the amount as directed by the due date, the check was turned into an ACH withdrawal and can provide evidence from my credit union account. They are still calling several times a day claiming that I still owe a balance of {$1500.00}. I have the settlement notice in writing. When I spoke to them on XX/XX/19 and explained there is a mistake, they said they see my {$2900.00} payment, but that they have no record of the settlement offer they sent to me. Also they are not confirming that the Department of Education on XX/XX/19 seized my XXXX Tax refund of {$500.00}, which should have reduced the amount of settlement I needed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I got a Discover it secured credit card XX/XX/XXXX billing cycle got a lot of negatives off my credit my. I got the secured card in XX/XX/2018 my brother same situation but alot of negatives on his credit and still does. He got his card a month later he makes alot more money I am XXXX. They r discriminating agaisnt me salary and XXXX also XXXX XXXX that I have complain to u about them. It's always about the XXXX peoplrei sm XXXX off iam XXXX I contacted legsl services. XXXX XXXX is agaisnt the XXXX. Well my brother graduated I got a better fico score my vantage score should be staying XXXX but they never did off cycle. Discover or XXXX XXXX. I know u haven't help me but when I get an attorney covering all angles. White people rdiscriminated agaisnt also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 13 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I bought a home in XX/XX/XXXX. I filed bankruptcy & it was discharged XXXX of XXXX. I reaffirmed my first mortgage. I was completely unaware I had to reaffirm my 2nd mortgage as well. Fast forward to XXXX I refinanced with Obama 's " making homes affordable program '' 2nd mortgage never came up. Fast forward fall of XXXX I go to refinance my house & find I owe {$140000.00} on that second mortgage with SLS ( Specialized Loan Services ). The original company of my 2nd mortgage was XXXX then XXXX XXXX both went bankrupt in the crash so I know SLS bought my loan for pennies on the dollar. Since it was wrapped up in bankruptcy it was I was never notified, I am a XXXX XXXX XXXX it did not come up on preliminary title searches etc .... I had ZERO clue for 10yrs that loan was in place & accruing penalties/interest ( penalties/interest to the tune of {$75000.00} give or take ). 

I was DISTRAUGHT! I called SLS, submitted paperwork to settle the penalty amount, submitted paperwork to set up a payment plan to pay the full amount etc .... No one at SLS would work with me. Their stance was I owed the full {$140000.00} & I could make " voluntary payments '' but they reserved the right to foreclose. I immediately stared making my normal {$630.00} mortgage payment XX/XX/XXXX & my only option was to sell. I was FORCED to sell my home of 12yrs &  pay SLS the full amount, I listed my home immediately to avoid potential foreclosure by SLS. I had no other option to protect me, my family & my elderly parents who lived with me. We closed on our beloved home in XX/XX/XXXX only b/c SLS would not work with us & the risk was to great. 

I also remember a call from someone ( SLS/ maybe XXXX ) to pay this loan off for {$4000.00} in XXXX but I thought it was a scam b/c of the bankruptcy/crash of the market. So SLS bought this debt for nothing! 

How can SLS force me to sell, make me pay $ XXXX in interest & penalties that accrued over 10yrs without me even knowing any of this was going on. No contact, no letters, no calls etc ... ..

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 2019-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute to Equifax on XX/XX/XXXX regarding XXXX XXXX XXXX reporting 2 items on my credit report. 1 report from XXXX was removed and the other is still listed for {$62.00}. I submitted information to Equifax as proof that the XXXX circuit US District Court ordered XXXX XXXX ( which is also a Lawfirm XXXX XXXX XXXX XXXX XXXX ) to remove items from consumers reports based on various class action lawsuits filed for violations of the FTC & FDCPA. Sect 791. F.3d 1291 ( XXXX vs XXXX XXXX XXXX ) since XXXX and additional Case # 's XXXX, case # XXXX, case XXXX. The US District Court ruled positive that XXXX committed these violations and have since fined them and ordered them to remove items from consumers credit reports. 

As of today, XX/XX/XXXX, the most recent communication I received from Equifax was that they were sending a letter to XXXX to validate the {$62.00} debt and would notify me within 30 days of their response. Equifax should not be doing that!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They closed it because I filed disputes for fraudulent transactions that I didnt make and they said it violated terms and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I didn't receive the signing bonus as a result - neither the {$400.00} ( for depositing {$15000.00} within 60 days of account opening AND then maintaining {$15000.00} for 60 days after depositing {$15000.00} ) nor the {$100.00} ( Although I had made a few direct deposit within 60 days of account opening ). When I called customer service, all they said was that I am not eligible for the promotion since I didn't deposit within 30 days. 

As a consumer, I wasn't made aware that you have to deposit {$15000.00} " Within 30 days ''. If you see the screenshot, It tells you every detail about when you need to make a deposit to get {$100.00} ( i.e. within 60 days ) but to earn {$400.00} bonus, it didn't explicitly say within how many days. 

I believe as a consumer, I was deceived and would like Citi to pay me {$500.00} in total ASAP.

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Today, in reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my TransUnion report and are dated XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. Additionally they were all tied to National Credit Cards/Airlines. I called TransUnion and they said they were from XXXX XXXX and I would need to call them and provided me the phone number of XXXX. I called and spoke with a representative and explained the situation. He stated the National Credit Cards/Airlines was indicative of an issue with XXXX XXXX and this was a known problem and I would need to contact them to have it removed. Not fully understanding, I asked to speak with a supervisor and was connected to another supervisor and she stated the same thing. She stated several years ago, XXXX XXXX placed thousands of hard inquiries ( manifesting through National Credit Cards/Airlines ) on credit reports and had to go back and fix it. She stated they have begun to do this again. When I reached out to XXXX XXXX, I was redirected to TransUnion who again redirected me to XXXX XXXX who again sent me to XXXX XXXX. It's a never ending and vicious cycle and meanwhile, I am suffering, because these hard inquiries affect my credit adversely. I am in the process of trying to end a toxic relationship and get into a new living situation either through buying or renting a house and this is going to make things really difficult for me. I did some research on the situation and understand this has definitely been happening and people have reached out to the CFPB for help. I am desperately reaching out.

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 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
The Vehicle was awarded to me in a divorce settlement, I am trying to talk with someone to get the loan straightened and have also sent them payments which they have accepted. Have not been able to speak to a person at Consumer portfolio services. They sent XXXX XXXX XXXX located in XXXX Michigan to my house at XXXX XXXX XXXX XXXX in XXXX Michigan on Sunday XX/XX/2019 at about XXXX XXXX, I found the driver in my garage and told him to get off my property he was threatening me, telling me he was taking the car and told me I was not stopping him and then went to his truck and laid on the horn and was yelling I have a repo here, this continued for about 2 minutes, he then went around the corner blowing his horn and continued to yell out the window. Last night on XX/XX/XXXX at about XXXX XXXX, I was walking a block over and heard a horn going off, I got back on my block and XXXX  XXXX XXXX was back in front of my house with there lights on and again blaring the horn yelling repo, we have a repo, they were also yelling at my minor son, there were 2 men in the truck this time, I have them on video, I advised them to stop and the guy was yelling profanities at me and he was yelling I should pay my bills, I called the police, also my gf advised them they were going to be maced if the did not leave, they left about 2 minutes before the police got there, the police issued us a complaint for the company acting in a disorderly manner and told is to call them back if they showed backup. They have also went to my ex wife 's house at about XXXX XXXX at night and tried to order her to open a barn and put her dogs away. I want this harassment to stop now, I am trying figure what I still owe, I have already paid, XXXX on a XXXX dollar loan. The complaint number from XXXX Police Department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Enclosed is a letter from XXXX dated XX/XX/XXXX providing direct evidence that I am no longer liable for the XXXX Account # XXXX on my current Equifax Credit File. This further supports proof that they continue to request immediate removal of this account from my Equifax Credit File. This is due to its extreme age and statute of limitations that require Equifax remove it by federal law. I also spoke with a Supervisor named XXXX located at the Nevada XXXX on XX/XX/XXXX at XXXX XXXX who also stated that Equifax would remove my XXXX Account effective XX/XX/XXXX due to the extenuating circumstances/mortgage and adherence to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
Wording on status is incorrect. On report states foreclosure started 2017. This foreclosure has been completed and updated on all other bureau s but Experian have done 3 disputes no results. XXXX XXXX  is lender and reported correctly

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