vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.

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 2018-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of America XX/XX/17 account opened in my name I was XXXX  I cant XXXX XXXX XXXX due to a XXXX  while I was XXXX XXXX. the company said I was lying and I must pay

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 2018-06-24 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: U.S. BANCORP
State: LA

Complaint narrative:
I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately

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 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.

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 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 


View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer " none of the above '' to every one of the questions.

I then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. 
EQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. 
They initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had " NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX  ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.

This is their response to accessing the dispute on-line ...

We are currently unable to process your request!

The information you have provided does not match our records ; therefore we are unable to process your request online.

Please try again later or submit your request via our secure Web Email dispute form.

Then I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
They are not allowing access by external applications such as XXXX XXXX so I can get a rebate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX, the Consumer Financial Protection Bureau and the Ohio Attorney General interceded on my behalf and Ocwen did provide relief for me by reducing the 2nd mortgage on my primary residence at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. However, I was not given relief as I requested at that time for the second mortgage at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. 
Recently Ocwen has sent me numerous emails and letters in the USPS mail to apply for a lower rate. I request the subprime predatory 9 % APR be lowered for the XXXX XXXX XXXX house because I have already paid the exorbitant amount of at least {$30000.00} for the {$20000.00} loan in XX/XX/XXXX from American Home Mortgage ( AHM ). I am in a vicious cycle of low credit eligibility to refinance according to XXXX XXXX in XX/XX/XXXX due to debt : income ratio because of the mortgages. In XX/XX/XXXX/XX/XX/XXXX Ocwen Research office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX x XXXX # and XXXX XXXX at Ocwen Escalating Dept XXXX XXXX offered modification with 20 more years of payments from the original 2nd mortgage balance. I will not be alive 20 years from now! 
In XX/XX/XXXX, I will be XXXX years old and the XXXX XXXX XXXX 2nd mortgage loan is due close to the original {$20000.00} loan. I don't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The AHM lender would not let me buy the 2nd house next door that my son lives in without mortgaging my 1st house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I have been trying to close my account with Paypal, but because there is a dispute open, I can not close it.

Twice in the last two months I have found that Paypal has cleaned out my checking account and maxxed my credit cards, to send money to woman that I do not know nor have I authorized the transfer. They take all my money and then say they will get back to me in 10 days. I have tried to call, but the computer does not let you get through,. I have emailed and faxed Paypal, but they dont read it. I continue to get emails back from Paypal that are completely unresponsive to the issue I have raised, or they send the same one over and over so you are just going around in a circle.

In XX/XX/XXXX, they sent {$1400.00} to some woman I did not know. It was refunded back to me, however, they must not have gotten it back from the woman, because a few months later they sent a bill collector after me to repay the {$1400.00}. 
Most recently, money was transferred to another woman from my checking account and credit cards. That money was returned but they continue to show this womans name on my account under Quick Send or Top Contacts. I have contacted them to remove any unauthorized names,, but they do not listen. 
The dispute that is open is left open from XX/XX/2018. It is shown as Being Reviewed by Paypal and Under Review. This is just an oversight ; it should have been closed along time ago, but Paypal does not read my emails. 
Once they have removed this dispute, I should be able to close my account. I trust them with all my money, yet they do not listen to me. I am not interested in working with a company who does not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my 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 2018-06-24 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: NY

Complaint narrative:
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX  and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my 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 2018-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital onecredit card threatened me when I told them I was in XXXX  during this time. they said well looks like your going right back and laughed at me. I can XXXX XXXX  because in was XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked a company would speak this way the card was XXXX on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I have been a Chase customer since XX/XX/XXXX. 
I have been a victim of identity theft and have discovered a variety of different fraudulent usage of my personal information and informed Chase of it many times during the last 6 months. 
After disputing charges that were unauthorized and/or not me, between XX/XX/XXXX-XX/XX/XXXX Chase Bank decided to restrict my access to my checking account, online, on the phone and at branches. I only knew because my card was declined and I called customer service. 
Chase CSR 's refused to tell me why the account was restricted and they declined to answer me, multiple times. They did say Chase is ending their relationship with me, or close my account.

I have money and direct deposit from the IRS coming in that account and I am on XXXX and low income. Now I cant afford to eat thanks to Chase Banks decision to block access to my funds. 
No warning, no reason, after I've complained about Reg z on disputed debit transactions, had charge-back credits reversed, not responding to my many requests for evidence and procedures on investigating my disputes and other issues.

More concerning is that I have gotten numerous communication with Chaseonline that responses back to me with DIFFERENT ACCOUNT NUMBERS.

I demand that Chase answer ALL of the above concerns of mine.
Your company refuses to talk to me and I have been wasting 10+ hours weekly for months asking for help and getting the run-around.

Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I had a checking account with Investors Bank ( Acct No. XXXX ). This account also had an Overdraft Line of Credit associated with it ( Acct No. XXXX ). I closed my checking account on XX/XX/XXXX. Unfortunately the Branch did not close the line of credit associated with it at the same time ( it had XXXX balance at the time ), and this overdraft account has been on the bank 's books and I continue to receive monthly statements nearly four years after closing. I stopped by the XXXX Branch of the Bank on XX/XX/XXXX and spoke to the Manager about this. He promised to have it closed, even though he could not do it on the spot in their systems. I have written to the bank on XX/XX/XXXX ( see attached letter ) asking them to stop sending me monthly statements associated with this account. The bank has neither closed the account nor given me an explanation for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
Received a letter from the company Diversified Adjustment Service about an old debt on XX/XX/XXXX alleging I owe {$650.00} to their company for an old XXXX bill. I sent to them a validation letter by certified mail on XX/XX/XXXX asking for verification of this said debt account ending in XXXX. On XX/XX/XXXX, I received a copy of a bill, that does not have my signature indicated that was from XX/XX/XXXX. This bill was bought from another collection agency that I have also disputed with that is still currently showing on my credit report. I have been receiving numerous phone calls from this company all hours of the day and night. On XX/XX/XXXX Diversified Adjustment Service reported this to the credit bureau and now it is appearing on my credit report as an added collection from them. They are attempting to collect on a bill that I do not owe them and no proof has been received that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I opened my billing statement from XXXX XXXX XXXX XXXX/ LOANCARE , and found out that a drastic increase on my monthly mortgage payment from {$3400.00} to {$5600.00} statement dated for the month of XX/XX/XXXX. I was so stress out and could not sleep at all and have been sick since then. I had called the XXXX and when ever I call them I have to wait for 2 hours or more to get hold of someone. Called dates : I believe my first call was on XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I questioned the said increase and they open an escrow analysis on XX/XX/XXXX ( i think ) but they were saying that the said increase is correct. I sent an email to the company ( XXXX, XX/XX/XXXX ) and even received awknowledgment that within 15 days they will have an answer to my case. I have to call and follow up but they keep on transferring to differner people and ask me same question over again. I sent an email to another XXXX, XX/XX/XXXX and got an awknowledgment that within 48 hours they will get back at me. Unitl know XX/XX/XXXX I have no response from them I've been calling and providing the information and documents that they asked, still no definite asnwer. I feel I am not being heard and that I am being neglected. I hope you could push the company to make sure to prioritize the case because this was really their mistakes. They been charging me twice the actual property tax ( two parcels ) and been charging me of the late payment because I did not pay the {$5600.00} and paid only my corrected computation base on one parcel only whichis {$3600.00}. 

I hope to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Since Hurricane Maria, I had financial problems. I have tried to make payments, but it is abusive that they are calling Sunday to try to make payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My son who lives with me opened 8 credit card accounts under my name without my knowledge or permission. All of the accounts are with synchrony bank and the refuse to remove them off my credit.

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 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
opened account via online, then I was told that I needed to provide additional information which I did. then I was told my account was opened, then I go to branch and then I am told that I had to provide my identity documents again and that it would take an additional 5 days. so far it been a month plus. The last time they took my identity documents and passed it among the office staff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation