vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank refused to properly authenticate the account and go through the full verification. The agent got an attitude then when i asked to speak to the supervisor she refused to verify the account for my own requests of adding a verbal passcode to the account the supervisor nor the representative verified the account fully. 

Supervisor name : XXXX Agent involved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX AFFILIATED MANAGEMEN Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFFILIATED MANAGEMEN Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
On XX/XX/2019, Capital One deposited and then reversed a check that I mailed to them. I had send two checks, one for {$88.00} and another for {$220.00}. The {$220.00} check is in dispute. My wife and I received a tax refund from Virginia State, and it was addressed to both of us. Both of us signed the check, and then I mailed it to Capital One. On XXXX XXXX, Capital One deposited the check, and then reversed the check. When I chatted with 'John ' on XXXX XXXX, I asked what the status was. He informed me that they won't deposit the check, as we don't have a joint bank account. However, based on what I can find and per prior practices, they will deposit the check as long as both parties sign the check. They are being discriminatory in refusing the deposit. Additionally, they are not returning the original check, but are only sending a copy. I have told them that they stole my fing check and aren't returning it. I asked multiple times, and they have failed to provide a written policy on why they did this. I have not received the check back. I believe they are discriminating against us, as they could not provide a written policy to back their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: FL

Complaint narrative:
I was arrested and remained in jail from XX/XX/19 thru XX/XX/19. During this time my debit card that I receive my XXXX XXXX  XXXX benefits on was used and completely drained. All of which were online transactions. I sent proof of XXXX. I have never purchased any games nor do I have any XXXX  or a XXXX acct. Never have. My identity and truck were stolen earlier this year, which ties in W the XXXX. This most recent theft of my personL property and debit card just makes my losses compound. My parents/family are all deceased so I have been staying w people IDK. I'm on my own and NEED my money back. WHEN TOLD MY DISPUTE WAS COMPLETELY TURNED DOWN, 45 DAYS LATER, AND THERE IS NO APPEAL PROCESS AVAILABLE I TRIED CONTACTING THE MERCHANT 'S I HAVE INFO ON HOW TO BUT HAVE BEEN TOLD BY XXXX THEY'CANT HELP ME  W/OUT THE OLD DC # WHICH DE CANT GIVE ME. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
We have a mortgage on a rental property that is almost paid off. We owe about $ XXXX. on it at this time. we have excellent credit and always pay our bills on time. 
This particular mortgage we have had with XXXX for the past several years. We have been very happy with their services and efficiency. 
Recently, we received a letter in the mail indicating they have sold this particular mortgage to NewRez, LLC. While I understand reassigning a debt is common practice and has happened to us many times in the past, I am very unhappy with this choice. We read reviews on line indicating they fail to make escrow payments, they fail to pay refunds when they are due, and generally have " loose '' business practices. 
I realize it is possible to deal with this type of company if one is particularly careful, but I am seriously alarmed by the notation at the bottom of the letter that was sent to us notifying us of the change in service. It says " Goodbye RESPA XXXX, XX/XX/2019 ''. This indicates to me that the company has no interest in protecting my rights and feels no responsibility to provide consumer protection or behave with integrity. 
I attempted to contact them to discuss the matter, but could only obtain a recorded message. I contacted XXXX to see if they could assist me. They said my " investor '' was XXXX, and I would have to contact them directly to discuss the choice of companies they had made. I called the number the very nice XXXX employee gave me, but it was not in service. 
I have no one to discuss this with, and no choice in the matter it would appear. In the past, this would not have been a concern, but I find this situation alarming. I have worked in XXXX XXXX for many years and realize the serious value of RESPA, and do not want to work with a lender who makes it blatantly clear at the outset they have no intention of protecting my rights. 
Please let me know if there is anyone who can assist me in this matter. 
Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I paid off my loan to loanadministration ( https : //ally.loanadministration.com ) on XX/XX/XXXX and they have almost {$11000.00} in the ecrow balance and they are saying it will take a month to get that money back. I wind this completely unacceptable and need to get my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank finally sent a debit card due to the company not providing a physical card for over a month and a half the pin number was forgotten for the original card and their only option was to mail me a pin number which was expected up to ten. Business days later to be received. They claimed the was an iasue with my phpne number which was on file and redundantly suggested i contact my phone company XXXX XXXX a national brand company to see if they had a block on my number which they do not due to me already having several other accounts with this same number amd no other bank has the issues that Chase are having.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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:
Equifax is reporting incorrectly a current balance of {$760.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} current balance. I have attached a copy of the Statement for XXXX XXXX. This incorrect reporting of a balance due on this account is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
I owe XXXX XXXX {$1000.00} The credit agency is trying to collect {$3400.00} saying they are representing XXXX XXXX. XXXX XXXX told me all I owe is the {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
XXXX XXXX XXXX threatened to file charges on my for fraudulent check writing and stated I would get 3yrs in jail if I didnt settle immediately for {$350.00}. Yet the never sent any Identifying info so debt can be verified. They only contacted by email no phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Syn/Walmart account number XXXX is reporting to XXXX  that I owe  {$1100.00}. The problem is, I spoke to an agent at the bank and he could not give me the date of first delinquency. He mentioned the date the account was charged off as XX/XX/XXXX. According to his / their bank records they are saying the account should fall off the credit reporting agencies like XXXX, XXXX  and XXXX in seven years on XX/XX/XXXX. However, this is not valid if the " date of charge off '' is months or even a year from the very first date I was late and/or missed a payment and never did get caught up. Therefore, this account could fall of my credit report as early as NOW. The bank can not and will not give me the proper information of delinquency, thus reporting this account to XXXX, XXXX and XXXX as incorrect and making this account more damaging becasue it acts newer when trying to receive credit from business.

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 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I'm a week late on my due date, I been paying this debt off cause I closed the account a year ago. I see there is a late fee when I made a payment of {$40.00}, the late fee is {$39.00}! I call their number to get it waived. First lady says she can't. I ask to put a manger on the phone. I wait and then it's just a normal person like her. She lied to me and the next guy told me the same thing telling me that he can't help me out cause the account the is closed. I told them that they lie all the time at this company.They kept transferring me hoping I just would hang up. they been calling me every 30 mins for 6 days straight. but never leave a voice mail. Sometimes i'm sure they are calling from a blocked number as well. This company is a dumpster fire

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I attempted to call the agency on several ocassions to setup voluntary pays however the rep refused to assist me and stated that they would just sue me. I asked for proof of the debt which I never received and several requests were made to secure the proof of the debt. The rep was unprofessional and he laughed when I asked about resolving the account. Ive made several attempts and on most days the rep never is available. The rep gave false information to me about my ability to setup arrangements on the account and then my wages were garnished without any notice. XXXX  XXXX was unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
I stopped paying my second mortgage of XXXX when I filed for bankruptcy in XX/XX/XXXX. I found out that SLS had placed a lien on property XX/XX/XXXX. We found out because we had a buyer for our home. I did not understand that a discharge of the debt was not a discharge because a lien could be placed on the property. SLS sent us a pre-foreclosure letter in XXXX and last week said we could pay {$6700.00} and make payments of $ XXXX per month. They said the loan amount was now {$55000.00}! We had paid $ XXXX per month from XXXX to XXXX. The balance of the loan at time of discharge was {$25000.00}. The interest and fees for eight years is {$30000.00}!! I dont think it is fair to charge so much interest and wait 8 years to place a lien on the property. I would like SLS to reduce the amount owed to a reasonable amount of {$35000.00}. I could make payments of $ XXXX per month but do not have {$6600.00} for a down payment. I am retired and my wife is on XXXX because she has XXXX  XXXX XXXX. 
The person working with me at SLS is XXXX XXXX XXXX or 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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/XXXX I went to bank to make changes of POD on a CD. Branch Manager XXXX XXXX assisted me and I signed the electronical signature machine to make the change. I requested a hard copy for my records. He refused to give me one. Because a mistake was made, I had to return to bank on XX/XX/XXXX to sign an addendum to the POD, this time on paper copy. I again asked for a copy for my records and he refused to give it to me. He said I could not have a copy of what I had designated. I insisted I wanted a copy so I would have proof of what I was requesting for my family to be able to handle my affairs at my death. He still refused.

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I would like to bring your attention to issues I'm having with Specialized Loan Servicing who is  servicing my loan that includes incorrect mortgage late and some late charges that they are not able to verify. I have been trying since XX/XX/2019 and ever since they took over the servicing of my loan to resolve these issues with them but constantly getting a run around and promises to return my calls that never happened. 

The servicing of my loan was transferred from XXXX XXXX XXXX to Specialized Loan Servicing on XX/XX/2019 and I was never notified either from XXXX  XXXX XXXX or from Specialized Loan Servicing. My loan is a 2nd mortgage and my payment is due on the XXXX of every month. I made my XXXX payment to XXXX  XXXX XXXX but money was never taken out of my account and when I called XXXX   XXXX XXXX I was told that servicing of my loan has been transferred to Specialized Loan servicing as of XX/XX/2019 and I was given the phone number to contact the new servicing company. I called Specialized Loan servicing and was told that they have just received my loan and it is due for XX/XX/2019 payment. I then immediately made a payment over the phone with the representative on XX/XX/2019. Please note that my payment is not due on the XXXX of every month and instead it is due on the XXXX of every month with a 10 day grace period. So the payment I made over the phone on XX/XX/2019 which was for XX/XX/2019 payment and still under 30 days. However as per their verification of mortgage history that I printed from my on line portal clearly shows that I have 1 late mortgage payment within 31-60 days and that needs to be corrected. 

Also there are some past due charges in the amount of {$190.00} showing on my account. I was told that these are the late charges from my previous lender that they received. I called XXXX  XXXX XXXX and was told that since they no longer have my account they will not be able to provide any information. Specialized Loan Servicing is not able to verify this amount and I requested from them to remove these charges. 

Specialized loan Servicing is not reporting my mortgage with any of the credit agencies and therefore I have to rely on their mortgage history which is incorrectly showing a 30 day mortgage late and that have preventing me from refinancing my home loan.

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