vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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:
In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I 'm trying to apply for a mortgage loan but  XXXX  score is missing in my tradeline. I called the company and I was told it would take a month to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.

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 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: MO

Complaint narrative:
I contacted the credit reporting agencies on  XXXX / XXXX / 2017 , by mail. As required by law they still have not responded my to request

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 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am battling stage  XXXX   XXXX   XXXX . I was being cared for at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service.     We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative "  XXXX  '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  CA  XXXX .     I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the  XXXX  day cycle expires in an attempt of confusing us and by missing  XXXX  of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ).     All we have asked both from  XXXX   XXXX   XXXX   XXXX  and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On   XXXX   XXXX   I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to  Ocwen  to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On   XXXX   XXXX   XXXX   there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo  XXXX  started making phone calls to  Ocwen  until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the  XXXX  parcels. One parcel was mine  XXXX  and the second  one   XXXX  belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called  Ocwen  again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed an application with Bank of America for forbearance for illness and unemployed or loan modification but Bank of America has been giving me the runaround since  XXXX   XXXX ,   XXXX  .     I am sick and was laid of because of my sickness. I informed Bank of America that I am sick and was laid off as a result and that I am finding it difficult to pay the mortgage as I am no longer working because of my illness. They sent my documents to fill for forbearance for illness or unemployment or for loan modification. I filled the documents and went to Bank of America branch office in  XXXX , Maryland and had t he manager  faxed the documents to   the Loan Modification office. On the same day, I also uploaded the documents to Bank of America site.      Bank of America has been playing deliberate delaying tactics. I have sent in documents earlier on multiple times, both by uploading the documents to Bank of America website and at the same time having the documents faxed to them at Bank of America branch offices but they come back after a m onth or two to sa y that they have not received all the documents while the documents can be seen on their site.     Some of the tactics being used by Bank of America is claiming that documents were incomplete or documents were missing when in fact they were not ( I would logon to their Loan Modification site and I would see all the documents received and updated on the site ) or claiming the file was under review then I would out later that it was not under review.     A month ago, they sent me a foreclosure letter. When I called to ask them what is going on with the foreclosure letter they stated that they have not received all my documents that why they have initiated a foreclosure procedure. When I pointed it out to them that the last time I talked to somebody at Bank of  America the Rep confirmed to me that they have received all my documents and that as a matter of fact I can see all the documents I uploaded still showing on their website. The Rep ne xt response was that my documents have expired and that I have to resubmit fresh documents. So now, they have for forced me to restart the modification/forbearance process all over again. Even after restarting new process they playing the same tactics of documents being incomplete when they are not. And last  XXXX  when I called to check on the status I was told they need my bank statement and tax reports, which they already have and in addition to that now they are saying they need receipts for my expense for grocery, laundry, grass mowing payments etc. when I dont know anybody keeping their past grocery, laundry, mowing receipts around.

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 2017-05-10 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:
Experian committed fraud and damaged  my credit score. I comp lained to a Experian associate on  XXXX / XXXX / 2017  about  XXXX  collections on my report that were wrong and low and behold on  XXXX / XXXX / 2017  Experian made the criminal action of dropping my score  XXXX  points for no other reason than spite! There is not one single solitary change on my report that would cause my score to drop in 3 days! There needs to be a government agency to watchdog over these corrupt credit reporting agencies. On their website they offer no reason as to why they dropped my score  XXXX  points and I checked the other agencies my scores actually went up so I only can figure Experian has broken the law and damaged my credit for no legitimate reason. I 'm getting tired of having to complain all the time with the corruption that goes on with these agencies. I know this complaint will probably do nothing and I 'll probably have to contact my attorney but I 'm trying to find a solution before it has to get to that point.

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 2017-05-10 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: WI

Complaint narrative:
I have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.

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