vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I initiated a payment via echeck on XX/XX/XXXX. After the funds were taken, I realised they are a scam company trying to collect on old paid debts. I called my bank, JP Morgan Chase, and explained the situation. They said the couldn't help and refused to talk to me further about it. It is over 30 days and no resolution. I need my money back and this matter resolved. After speaking with them multiple times regarding this issue, I was told on XX/XX/XXXX that the only way to protect my account is to close it. I honestly can not believe that they are willing to lose business. They said there is no way to protect accounts from scammers and that because they do not know where or how money will be taken out, the only true way to be protected is closing the account. 

I do not want to close my account, but am now worried that there is no protection at all for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, I applied for the CapitalOne Quicksilver card. The offer included a {$150.00} bonus if I spent {$1000.00} in 3 billing cycles. I used the online application. The online site returned a decision that I did not qualify for the card with the bonus, but I qualified for the same card without the bonus. Today, I received a letter from CapitalOne explaining that they denied me credit based on my credit report. How can this be? They denied me the CapitalOne Quicksilver card with the bonus, but offered me the card without the bonus. I don't think the 3 credit reporting agencies issue the credit report based on whether or not a company will give you a bonus. This is a bait-and-switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2015 & XXXX XXXX two accounts was opened up in my name.. In the amount of {$500.00} ... The account is a fraudulent! Ive tried to speak with different level of supervisors about the fraudulent account and I was told that they are not going to assist me! I have submitted paperwork from the police department concerning my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX I found out my cards were closed. Once recovered email. I went on the account and could not find a letter. I try calling they said they could not tell me. I have to go to the bank. After 8 callings and not getting anywhere. Some guy explains to me where to find the information. 

The reason why I was confused is the fact that I never missed a payment. Something felt wrong about the decision. First, it was extremely vague and was heavily weighted. As they just issued me a second card. Now say my credit History was a factor. When it never has in the past 2 years plus that I had cards with them. 

After several contacts threw their security methods. In this back and forth I found out about the credit card in the past. That it was the main reason why closed it. They gave me one date which was XXXX. 

I found out just because I wanted to show them I was getting credit cards under control. The response email told me that it is great I will be on the past card. She forwards it to the department and they get in touch in two weeks. 

The problem is I am still a victim of Identity theft. It is still ongoing. I had thaught heard the last of in XXXX. Then my computer died for a few days. This happens. Somehow someone hacked all my accounts and changed email, password, closed down every account I had and other things. I think I caught it at the right time. I locked my credit history. Then I ran through and checked all accounts fixing two at once as I go. I only have 10 on the advice of a past lawyer. Still not sure how. All my passwords are 30 letters long. 

That comes up to the wondering part. I checked every record I had, As far back as I was able to get information. I do not have any chase cards on file. The bad news where some of the files stored had some severe water damage on 8 boxes of mine. So it still up in the air. 

I had asked them to send me the info and other requirements and they have not contacted me on it. Now I am perfectly fine for them closing it for ligament or rule reason. To close them on a debt that over 14. Then I have a major issue. Especially when they refuse to discuss or give answers. Chase wants me to bo to the bank which is XXXX miles away. 

In secured address I did asking, I asked 7 question lawyers said to do. The main Three was the debt a write-off. Do you still own debt or was it sold? Can you provide proof of ownership? These are the core thing most need if identity was stolen. Make easier to track. To decided if yours or the one whole stole your identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: SC

Complaint narrative:
Called Equifax 3 times to try and unfreeze my credit after we were unsuccessful on their website, as requested by our mortgage broker. Equifax, after 30+ minutes on an automated system, then said that their system is down and they can not provide me any assistance or help in any way for at least 24 hours. Given that this company has access to hundreds of millions of US citizens personal information, it is unacceptable for them to put so many people at a total standstill. Contacted beginning on Thursday, XX/XX/2019 thru Sunday, XX/XX/2019. Their inability to assist people with credit freezes, unfreezes, as well as other pertinent information is a hindrance to peoples lives. After they were involved in a 100+ million breach of personal information they should not be allowed to continue to monitor such vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Credit reporting agency has incorrect information and has bad info on my credit report with them.I am not allowed to open any bank account because of this false information on Early Warning report. I have tried to settle this issue with them I have also created an account to report this to early warning but the website to do this is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: IL

Complaint narrative:
I had been doing credit repair for a little over a year and finally got to the point where I was comfortable letting my loan office pull my scores/reports to qualify me for a mortgage assistance program. However, they are unable to obtain Equifax scores because theyre receiving an error message : APPLICANT FILE BLOCKED AT XXXX - XXXX. Since I was made aware of this 2 weeks ago, Ive ncalled Equifax everyday for 2 weeks and spoken with SEVERAL supervisors. Ive read to them the error codes/messages that are clearly listed on my inquiry report, and they all state tat my Equifax file is not locked/blocked and should be accessible. THIS IS NOT TRUE ACCORDING TO WHAT I HAVE IN WRITING. My loan office Is now stating theres nothing they can do on their end to gain access to my files-it needs to be resolved through the credit bureau. However, Equifax credit bureau has just transferred me to several different departments, disconnected my calls, and given me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A few days ago I submitted a complaint about synchrony bank/care credit. Ive been having nothing but problems with this bank. Now I just received a letter stating they are decreasing my credit line. My credit line was originally {$4800.00} now they decreased it to {$1800.00} and the reasons they give for doing this are all untrue. The account is NOT late nor has it ever been late. I have highlighted all the reasons they gave for decreasing the credit line. I am uploading the letter.

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 2019-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

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 2019-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am attempting to remove the private mortgage insurance ( PMI ) from my mortgage based on the current value of the property. I received a letter from NewRez with instructions for canceling the PMI for my account that stated that I can request and pay for a broker price opinion ( BPO ) to establish whether the current value of the property exceeds the loan to value threshold for early PMI cancellation. 

I mailed a written request for PMI cancellation on or around XX/XX/2019 along with payment for the BPO of {$150.00} ; the check was drawn from the payment account on XX/XX/2019. I have received no followup communication from NewRez regarding the status of the PMI cancellation request. I sent a message requesting the status of the PMI via the online communication portal on the NewRez website on XX/XX/2019 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America credit card was compromised in XXXX of 2019 I reached out too BofA too report BofA refuses too help indicating Im responsible I never have used XXXX website

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX  XXXX  is on my credit report I dont owe them nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
FirstBank Puerto Rico has failed to comply with the requirement in section 1024.41 ( b ) ( 2 ) ( i ) ( B ) which states the following : Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' I submitted a new application for loss mitigation to Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX, see Attachment LM Application submitted XXXX. After 8 working days, as of XX/XX/XXXX, I have not received any communication from FirstBank Puerto Rico. In addition, FirstBank 's underwriter failed to comply with Appendix Q to Part 1026-Standards for Determining Monthly Debt to Income. I. Consumer employment related income. A. Stability of Income. 1. Effective income. " Income may not be used in calculating the consumers debt-to-income ratio if it comes from any source that can not be verified, is not stable, or will not continue. '' Mr. XXXX XXXX, First Banks underwriter, used as effective income a litigated child support that became uncollectible. Moreover, Mr. XXXX failed to comply with Appendix Q to Part 1026, 2. Verifying employment history. a. " The creditor must verify the consumers employment for the most recent two years. '' On XX/XX/XXXX, through First Bank legal representation in the legal case num. XXXX XXXX, FirstBank produced evidence that they documented this requirement with another person income not the borrower, Mr. XXXX XXXX check stubs, see Attachment XXXXAccount Information. In addition, FirstBank failed to comply with HUD Handbook 4000.1 signature requirement on initial application. Initial communications were made with Mr. XXXX as documented in the evidence produced by FirstBank, see Attachment XXXX-Preliminar Request and XXXX Application. Finally, HUD Handbook 4000.1 page 113 prohibits the signing of documents in blank. On XX/XX/XXXX FirstBank had me in a separate office to sign the mortgage while Mr. XXXX was in another office. Various documents had both of our names, but Mr. XXXX never signed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Harley Davidson Financial Services Inc
State: IN

Complaint narrative:
I was recently XXXX discharged from the XXXX and immediately served divorce papers. She moved out of state and took my kids. I was trying to pay a lawyer, {$1500.00} a month in child support, and was out of work after being in a bad car accident. My first 6 paychecks after returning to work were $ XXXX {$75.00}. All of my pay was taken by XXXX. I am 3 months behind and have been trying to get caught up. They will not allow me to catch the loan up unless I pay all 3 of the missed payments and compounding fees and interest. I am fine with paying those but the only option they have left me is to pay it in one payment within 5 days. The have some investigator constantly calling my place of employment, my bosses cell phone, my phone, and making threats about the police coming to my work. I speak to the loan officer and she tells me one thing then the investigator calls 2 hours later and tells me completely different information and tries to make threats and bully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: OH

Complaint narrative:
I tried to get a credit card but didn't know what my latest address was and didn't know what my last credit card was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/19 card ending in XXXX was issued a refund of {$230.00} from XXXX, with an original transaction date of XX/XX/19 for which there is a transaction from XXXX. However, despite citi providing the statement showing the refund of for transaction date XX/XX/19 on card XXXX has continued the incorrect belief the refund of {$230.00} was for a transaction on card XXXX for a transaction on XX/XX/19. So Citi believes this credit was for a totally different transaction than the one shown on the citicard statement on a totally different card number. As a result Citi has charged me back for more than this amount in error. 
The original dispute on card XXXX was was supposedly corrected to be for a dispute amount of {$400.00}. Of which XXXX provided a refund of {$100.00} on XX/XX/19. Once this is corrected and the {$230.00} refund is returned to me, there will be a difference on the XXXX dispute of {$300.00} which still needs to be refunded. 
I have attached a copy of the XXXX billing statement to support my claims.

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 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC
State: IL

Complaint narrative:
I did present ny Motion to quash  on XX/XX/XXXX : plaintiff did not sed me a NOD notice of Default and Due to lock of Process of Service. 
I Never was peesonally served since we both defendants were wor king on XX/XX/XXXX @ XXXX see Exhibit A. XXXX XXXX from XXXX XXXX XXXX XXXX XXXX lic # XXXX, being first duty sworn on Oath depose and say the following : Defendant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX on XX/XX/XXXX @ XXXX I served the whitin named defendant personally see Exhibit D I was working at that time .also Defendant XXXX XXXX see Exhibit A How cone XXXX XXXX sowrn on Oath if we never signed summons and complaint also we both never were personally served. 
The judge denied ny mition on XX/XX/XXXX he gave me til XX/XX/XXXX to answer to include an affidavit to support my Motion to Quash  because no Proper Service and after I did answered on XX/XX/XXXX provide an affidavit plus proof XXXX XXXX Job Leter oroof of he was working all day see Exhibit A. 

judge Finally denied motion to quash  anyways. 
I am facing an Auction in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation