vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My taxes were filed with my tax preparer and were planning to be directly deposited into my checking account. once the day came the money was supposed to be deposited and it was not, my tax preparer and myself realized the wrong account number was put on my tax paperwork knowing this we called Chase and  also called XXXX XXXX XXXX, my tax preparer bank, and had every one on a conference call to let every one know that my income tax check has been deposited into the wrong account and it needed to be fixed and doing so Chase requested that XXXX XXXX XXXX send them a recall for the money. XXXX XXXX XXXX did so XX/XX/XXXX and multiple times afterwards also sent a recall for the funds on XX/XX/XXXX and a few other times afterwards. Chase refused to acknowledge the recalls for the funds and whoever 's account the money was in has spent my money even though Chase had everything they needed to recall the money and send it back. also I am a little confused on why Chase allowed my income tax check with mine and my husband 's name on it to be deposited into an account that had a completely different name birthday social security number and everything I have spoke with a lot of different departments at Chase and they all tell me the same thing there is nothing they can do the money has been spent but I honestly feel like they should pay that money back or the person who spent it should be notified it was not their money. Because XXXX they stole my money. Many their account should be closed or have to pay my money back. when I get to the higher up department at Chase they are very very rude and act like they are annoyed with me. very unprofessional so my money has been missing since XX/XX/XXXXand Chase has done nothing to help me get my money back it was over {$6000.00}. They had what they needed intone to refund my money. They did n't do what they were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: FL

Complaint narrative:
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record 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 2017-11-16 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: FL

Complaint narrative:
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: FL

Complaint narrative:
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record 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 2017-11-16 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: NV

Complaint narrative:
XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Several fraudulent checks ranging from {$600.00} to to {$800.00} dollars over several weeks were cashed out of state and taken from my business account. Huntington admits that the checks were fraudulent and forged.These check numbers were way out of sequence. Also, did n't even resemble the checks we have used for several years. 
Check # XXXX XX/XX/XXXX{$600.00} # XXXX XX/XX/XXXX {$750.00} # XXXX XX/XX/XXXX {$710.00} However ; declined to reimburse these monies due to not utilizing a security feature that they can supply. But yet knew nothing about. I feel Huntington failed to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: LEXISNEXIS
State: IL

Complaint narrative:
On XXXX XXXX, 2017, LexisNexis sent me a " resolution '' letter indicating they deleted the bankruptcy record on my file maintained by them. As of this date, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal XXXX # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: CA

Complaint narrative:
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent correspondence to Select Portfolio Servicing ( SPS ) notifying them of their violation ; of California Statue Limitations four years and my rights under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX responded to my letter stating they would reply ; no response was given except for foreclosure. 
First, violation by SPS I have a family member who is Active XXXX XXXX. He was enlisted in XXXX. I notified SPS of our rights under the SCRA and asked for them to stop Foreclosure proceedings on XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX proceeded with those actions and foreclosed on XXXX. In violation of our rights under the SCRA. 
Second, violation by SPS California Statue of Limitations for written contracts is 4 years. The last date of payment on this loan was XXXX. They filed the Notice of Trustee 's Sale on XXXX. In violation of California Code of Civil Procedure 337.2 4-year time limit ; no action shall be brought.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: IN

Complaint narrative:
XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: MS

Complaint narrative:
I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it back.

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 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount 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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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:
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 2017-11-16 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got statment in mail a month a go from paypal credit which I never opened. There was a transaction amount {$840.00} from XXXX XXXX XXXX on XXXX/XXXX/2017. I made a several call to paypal that I never opend a credit card with them.

Company response to consumer: Closed with non-monetary relief