vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday the XX/XX/XXXX I used the drive thru ATM. The ATM took the money and gave out an error receipt saying to call customer service. I called customer service and was informed that the ATM ate the deposit and they woulf have to do an investigation while they would credit me for at least {$760.00} to my account while they investigated and the credit would be in by the next business day. They said the investigation would take about 15 days. Monday afternoon i still didnt have a credit and called there claims department and was informed that it would be in there by the end of the day. Tuesday night I had no credit and when I called the claims department was informed there would be no credit and just the funds till at the end of the 15 day investigation. For the last week I have been in the branch speaking to the branch manger and calls to the customer service line. I have emailed them within the bank website and still do not have any answers or help from anyone working for the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
My identity was stolen and someone was trying to open some account and thats why there was a lot of credit inquiries and they even opened some account as well.And one account also went for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages.

I was not sent a letter of Judgment, Affidavit of Service or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is not have I been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: VA

Complaint narrative:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

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 2018-12-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is reporting that I filed a Bankruptcy on XX/XX/2016. I have never filed a Bankruptcy on XX/XX/2016 and I disputed it with them and they came back with a result that the information was confirmed and verified. I requested the information of who they called because they advised they called the court house to verify. Then they said well we didn't call we contacted the court via the computer system. I advise that the information is incorrect so there is no way they could have verified it. Then they proceeded to tell me they walked in to the court house and retrieved the information, so I asked again who they spoke with. Then they told me they did not have that information in their department.

I would like the bankruptcy removed from my credit report as they are reporting inaccurate information on my credit report. I allowed them the 30 days to investigate, and they did not as they just came back saying that the information was accurate. The information is NOT accurate therefore under my FTC rights, the account has to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages. The Letter has the Creditor as XXXX XXXX XXXX XXXX XXXX whoich never sent me a judgement letter or other letters about a lawsuit and also has listed an Attorney Stephen Einstein from Stephen Einstein & Associates, PC in New York, NY which I have Never spoken to or received any legal documents from them. The filed this judgement without my knowledge and without serving me court papers or shown any proof of this debt- what it is, who it is from as I have never made a purchase from either of the entities who have filed a judgement against me or provided proof of debt or ownership of debt. 

I was not sent a letter of Judgment, or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is and have not been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income for a debt from a company I have no knowledge about or have taken steps to prove I owe this debt. And have my day in court to fight it. I have no clue who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018.

On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report.

Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter.

On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013.

On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature.

On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report.

On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank had me online case about there website and app not working properly I explained everything what the problem was that my iPhone will not load the site properly on wifi and on XXXX and I told them that the error was still occurring after the update of US Banks banking app I told them they need to do a update or a server maintenance but when i called a week my case was closed and my problem was not resolved they told me to call XXXX and My Carrier but they say call the Software Developer ( US Bank ) to fix this issue and they refused to fix my problem with a update or server maintenance and as a consumer i want to speak to that department with phone number or a call back and the person who never tried to acknowledge my problem his name is 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 explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXX credit card ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/2018. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XX/XX/XXXX and XX/XX/XXXX. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response.

I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.

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 2018-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/XXXX. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XXXX and XX/XX/2018. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
After posting a final payment in the Citibank credit card online portal ( XXXX ) to cover the balance of my account and all pending charges, I opened a chat session to request the account be closed at the conclusion of charges and payments posting. A customer service representative ( name XXXX ) responded acknowledging the chat session. Immediately with no delay XXXX requested whether I was still there. When attempting to respond to XXXX the chat window was no longer accepting keyboard input. XXXX then quickly asked if I was there and to respond or he would have to close the chat session, not even having provided sufficient time to seemingly be a delay in my responding. The chat session then closed. I verified in the same browser tab ( outside the chat window frame ) that keyboard input was being accepted. I verified in another browser tab that I was able to type in another web site name to open that web site. And was also able to type keystrokes in a text editor. I then attempted to open another chat session to make the same request to close the account. The new chat session would not accept keyboard input so I could not request closure of the account. It seems likely that keyboard input was locked out of the chat session to prevent a response for confirmation of the account closure.

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 2018-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NV

Complaint narrative:
Our Mortgage Company XXXX tried to foreclose on our home. We were in Chapter XXXX and they went to the court and said we were not paying our mortgage and it left us unprotected and this predatory lender to then initiate foreclosure. However we paid them every month. And we proved our payments to them were cashed.

After paying a huge sum of money over {$14000.00} to save our home ( that we are still disputing ) they have written us back with made up accounting and made up letters they said they sent us. You see in Chapter XXXX they are not allowed to send you letters. So we know they falsified the letters. They would have gone to our attorney and the attorney has gotten no such letter. In one conversation they said they couldn't find us. Yet after that letters addressed to us appeared.

I am attaching a letter that details everything. We also have had two forensic accountants that went over everything and said their, XXXX, numbers are wrong. We are missing escrow money {$10000.00} plus and they said they paid our taxes when in fact we paid them all except one time. They paid the taxes which we sent the tax money in as well but the state kept theirs. I can provide the accountants spreadsheet if needed. I am really hoping you can help as it put so much stress on my husband and I that his XXXX XXXX has grown since his last visit. Thank God I had retirement to borrow against in the meantime but I want my money back. I want XXXX to right their wrong.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have signed up with Citibank for alerts on my account to stay in know with my account balances. On numerous occasions i have recieved alerts that were incorrect. The alert would state that i had x amount available in my account on the present day and time however the actual amount in my account would be significantly lower. I would never be informed of my correct amount and i would never be informed if my account was overdrawn because apparently the payment wouldnt post to the account until after it has been returned and i have been charged by the bank. After numerous phone calls and complaints all i receive is a sorry ms. .... are you signed up for account alerts? Which i very well am but however that and all is incorrect! Im tired of Citibank robbing its cust for their hard earned money!

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 2018-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I opened an online savings account with HSBC. They advertised a promotional rate. I did not receive this rate. After many calls -- and hours on the phone -- to call centers answering in XXXX and the XXXX -- nobody returning my calls when messages were left -- and many excuses by HSBC including blaming the customer ( i.e. the terms and conditions weren't met ) ... HSBC finally corrected the interest after I filed a complaint with the CFPB. It turned out it was an internal error at HSBC that the account was keyed wrong when it opened. Nobody at HSBC ever apologized for the run-around. Then, after withdrawing all of my funds leaving a zero balance, on XX/XX/2018, I attempted to close the account for my own safety. HSBC refused to close the account because of an address change, that would take many days to process. An address change should not take days to process and should not be an obstacle to closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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:
Went to go get a XXXX loan as I am a current XXXX XXXX in XXXX and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.

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 2018-12-22 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:
Went to go get a student loan as I am a current XXXX senior in college and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX Firm to help me in the event that I need to file paperwork with the XXXX County Court.

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