vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I hired XXXX XXXX of XXXX XXXX to build a mobile application ( XXXX  and XXXX ) for my company. We went over all the details of the project and how much it would cost. XXXX told me the project would take 6-8 weeks to complete and will cost {$1000.00}. He said I had to make a down payment of {$250.00} to get started and that is what I did. He assured me that I will be updated visually every 1-2 weeks until the project was complete. Once the first 2 weeks had passed I contacted XXXX for an update of my project and he told me that he was going out of town but the project is being worked on so do n't worry about anything. Two weeks later I contacted XXXX again about my project and once again he gave me another excuse. At this point he asked for a second payment because the developer did the coding for the applications and he would send me screen shots. So I went ahead and made the second payment out of good faith but I never received anything. XXXX then asked for another two weeks to get things together and oversee the project and he will show me what was done. The two weeks came and again another excuse. This time he told me that the developer sent him something but he was not happy with it so he could not present it to me. XXXX admitted to me that he under quoted me on the project and the amount of time it would take to complete and was willing to give me a refund if i did n't want to wait any longer. At this point it has been four weeks over the time he said the project would be complete. On XXXX XXXX, 2017 I reached out to XXXX expressing that I have been very patient but enough is enough and he became unresponsive. I then contacted Chase on XXXX XXXX ,2017 to file a dispute against the 2 payments that I made because no work was ever delivered to me at any point. I faxed all the correspondence between us to them that supports my claim. Chase then contacted me a few weeks later telling me that they are denying my claim because the merchant supplied evidence that I ended the project early which is not true. I then escalated the claim to be resubmitted and it was still denied. Chase refuses to charge back my account for the amount paid for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Good Afternoon, On XX/XX/XXXX I spoke to an Equifax representative via phone and explained that there were several unrecognizable inquiries on my credit report and needed to discuss getting them removed. The representative was very rude and refused to help. <P/>On XX/XX/XXXX I decided to fax a letter to Equifax in regards to inquires on my credit report that are unrecognizable. Equifax sent a generic letter stating the inquires were " factual record of file access '' with not intent to assist me with the related inquiries below : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I understand that credit bureaus are powerful corporations, but it is unfair for me as a consumer to suffer from a result of their negligence. I 'm interested in purchasing my first home in a shirt period of time, and I 'm pleading for your help to clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: STATE FARM BANK, FSB
State: NH

Complaint narrative:
On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.

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 2017-06-22 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: VA

Complaint narrative:
For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.

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 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX  would like to be updated on my bank balance.  XXXX  said : " Your bank balance is n't always fresh. We do all we can to keep it up to date, but your bank has been slacking on sending over your info. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have an HSA account with Bank of America. It is horribly managed.     I wanted to close it and transfer the money to another  HSA ac count, but was told I would need to pay a {$25.00} transfer fee on  XXXX   XXXX ,  2017 . This seems absurd to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 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: ONE REVERSE MORTGAGE, LLC
State: FL

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . TX  XXXX  PURSUANT TO YOUR LETTER DATED  XXXX   XXXX    XXXX   IN WHICH YOU FINALLY ADMIT YOU ARE A DEBT COLLECTION ACGENCY TRYING TO COLLECT A DEBT, THIS MATTER HAS BEEN FINALLY CLEARED UP, ALTHOUGH IT BY NOT MEANS RESOLVED.   XXXX  WHAT YOU HAVE DONE TO ME F OR TWO ( 2 ) YEARS HAS BEEN ILLEGAL. SEE ATTACHED. I WILL ADDRESS RESOLUTIONS LATER IN FUTURE COMPLAINTS AND IN FEDERAL, STATE AND PRIVATE LITIGATION.    XXXX  THERE IS/WAS NO REVERSE MORTGAGE FROM " ONE REVERSE MORTGAGE , LLC ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: WA

Complaint narrative:
Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

Company response to consumer: Closed with explanation