vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been going through this situation with chase bank for over a month I deposited XXXX $ into my account the atm took my fund and my account was not credited I filed a complaint they investigated the atm but did not check the camera to prove I deposited the funds they waited three weeks to search the atm they told me that my fund were not located and the atm did not show any funds deposited I explained to the investigator that it was an error  message that showed up on the screen when I deposited the funds I immediately called the bank without leaving the scene the agent told me he saw the error and it took up to ten days to resolve the  issue my case was investigated multiple times I had two different investigators none of them checked the cameras or any of the phone conversations I need my funds it's no way possible that my funds weren't found the bank has basically stole my money if I had took one dollar from a bank I would be in jail my case was not  properly investigated my fines were stolen and I need to be reimbursed I don't know what else to do after this accept get a lawyer and sue I pray this resolves the problem my name is XXXX XXXX my email is XXXX please contact chase bank and return my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXXl is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: FL

Complaint narrative:
Experian is in violation of the FCRA for continuing to report fraudulent accounts on my credit profile. I have disputed these accounts to no avail and Experian is now refusing to investigate. 
Experian Report # 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 non-monetary relief
Consumer complaint received 2019-10-21 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
While requesting my ( 3 ) free annual credit reports at XXXX and after completing the online steps, I was able to download 2 of the 3 reports ( XXXX  & XXXX ) yet when I reached the final page to obtain the Experian report, their website stalled & would not download my report. After a few minutes, I was forced to refresh the webpage and after following the identity verification steps, the webpage stated that it had " timed out ''. The system thinks I've received that free 1-time report & therefore I believe I'll have to make another request which I'll have to pay for.

I proceeded to call both the phone number listed, as well as the one provided to me by your Consumerfinance.com representative, yet I could only access an automated phone system, which had no options to speak to anyone or even submit this request. 
I would simply like to receive my free report ASAP, and would appreciate any assistance on your part. 
Thank you!

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 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
First, we were XXXX customers that happened to be swallowed up by the bailout and ended up a victim with XXXX. With that being said, we've been battling with its numbers subsidiaries since XXXX - XXXX, XXXX and XXXX XXXX, now XXXX and XXXX ( XXXX 's vendor attorney ) and subsequently XXXX XXXX and Loan Care. 

In XXXX XXXX took over our loan in XXXX and " lost '' our first payment and the problem began. We did not have these issues with XXXX. But, the constant reallocation and the massive fees that did not comply with the terms of our note, the HOA fees, ( we do not live in a HOA ) the establishment of escrow when we have a waiver, adding insurance when we have insurance, yet no insurance was ever paid on our account, the countless infractions, misallocations, misappropriations, constant reallocations just to make sure money would not be allocated to our monthly payment to ensure more fees was exhausting. We always paid more than what we owed. We made significant payments of {$90000.00} principal payments that were never applied properly that took months to correct that cost us thousands in interests and yet none of the servicer 's are actually capable of auditing our account to rectify where our money was actually applied. 

Now, XXXX sold it servicing rights in XX/XX/XXXX to XXXX XXXX XXXX. And, XXXX sold its servicing rights again to XXXX XXXX XXXX  in XX/XX/XXXX. When I brought this to the attention of XXXX XXXX  XXXX when they tried to fast track a foreclosure on our properties for XXXX in order to secure assets for XXXX 's bankruptcy proceedings. XXXX XXXX XXXX still has not responded to any of our correspondence. Neither has XXXX, XXXX XXXX, or Loan Care. Truth be told it seems none of these companies seem to actually service our loan. They seem to just take our money and not apply it to our account.

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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-21 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:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home.

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 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized loan servicing company ( SLS ) continues to overbilled me. I have now contacted them 18 times to try to get an answer. They continuously to me that a supervisor will call me back within 24 to 48 hours. If I am working at the time, I have to start all over because nobody knows whats going on there. They have cashed two checks and mis credited them triggering late fees to my account. The amount seems to change every month constantly causing long phone calls to a staff that is ill trained and never seems to have a supervisor available. This company needs to be investigated. The amount of errors are just unacceptable including posting to the credit bureau that payments are late even after the error on their part was discovered. 
The most current phone call was made again today, XX/XX/2019. 
PLEASE investigate. They send you in circles to email and fax information and then claim that they never received it. In the mean time, Im spending hours getting false information removed from my credit report.

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 2019-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I bought an electric bike in XX/XX/2018 from a local retailer that was financed through Comenity Bank, which issues XXXX XXXX-branded credit cards. The card was sold to me based on the promotional financing, which advertised 0 % interest for the first year, and then interest charged on any remaining balance after that promotional term. Instead, they charged me {$770.00} in back interest! The advertising for the promotional financing was misleading at best if not outright dishonest. XXXX refused to refund me any money and XXXX does not think there is anything to be done, either, but I absolutely can not afford this extra charge. 

I know that XXXX XXXX hates me and wants poor people to suffer, so I don't expect this complaint will go anywhere, but I believe, somewhere deep down, that someone over there will care. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TX

Complaint narrative:
Regards to Navient and a statement they made in an article : These documents clearly show that Navient educates our borrowers about income-driven and other repayment options any suggestion otherwise is a distortion of the facts, XXXX XXXX, general counsel for Navient, told the XXXX  XXXX. After a nearly six-year legal process, the CFPB has failed to produce a single student loan borrower to support their baseless claims against Navient. 

They pushed me into Forbearance and also their Income Driven program is a sham. They tried to state that all calculations called for $ 600+ dollars a month. This was out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continues to report a fradulent negative account on my Credit report. They are in violation of the FCRA.

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 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/19 I walked into allied cash Advance to resolve a charge to my account that I felt wasnt valid. I paid my account off the month prior and thought that was it. I asked the girl to cancel the account, she stated I would have to come in and sign some paperwork to close the account, a couple days passed and I started getting phone calls from them saying I had a payment due, I informed the girl on the phone that I already paid my account in full and she said ok just come in and sign these papers to close the account a few days later I get a call from Collectios saying I owe them XXXX $ from allied cash Advance, keep in mind Ive been stuck in a loop of paying off and getting back for over a year so I definitely have given this company there money back ten times over now they want me to pay a fee and my account was paid in full because they cant close the account unless Im physically there, its a SCAM knowing most people wont  come back to close the account not knowing there going to be charged, I cant believe someone approved of this, its predatory lending at its best, I can understand someone who didnt pay there account but I got chargerd XXXX $ for having a XXXX balance, this is crazy! The company should be shut down, and they charged the XXXX $ without my approval, how much more illegal can they get, shut them down for good

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
ReconTrust ( Headquartered in XXXX XXXX, CA, ReconTrust is a member of the Bank of America family of companies. XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX ) was a debt collector foreclosing on my home and by the time we were able to get this stopped they had added about {$20000.00} to the balance of my loan without providing comprehensive itemization for the sum provided in the loan modification " ReconTrust is a foreclosure trustee that is legally required to act as a neutral party on behalf of both the lender and the borrower while conducting foreclosure proceedings in good faith and in accordance with the law. '' XXXX XXXX   XXXX However, Recon Trust refused to respond to our communications, refused to acknowledge funds paid and instead stated that we had not paid though we had documentation to prove otherwise.

Recontrust violated : 15 U.S.C. 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

ReconTrust subsequently had sent us notice of Trustees Sale noting that unless we cured the balance due it would be sold at public auction and at the local court house the auction was posted on the public bulletin board. The unpaid balance was different than the balance that we believed due by about {$20000.00} in charges that were not itemized.

ReconTrust also stated in the notice that it was a debt collector attempting to collect a debt and that any information obtained would be used to collect the debt. The notices sent to us by ReconTrust contained misleading information regarding the amount due and alleged owed.

The unitemized summary balance was used to modify the loan raising the balance approx. $ 22-24,000 higher than the balance we understood due and owing at the time. 
But we could not get anyone to talk to us. Even a local realtor volunteered to assist us in calling them on our behalf but could get no response. 
ReconTrust was listed as a Trustee but acted only as a debt collector and refused to respond to my calls, thereby assisting BAC in what I have continue to believe was fraud regarding the issue of the additional amounts added to my original loan amount.

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 2019-10-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Regarding CFPB Complaint # XXXX The company has STILL failed to provide proof showing that the IP address belongs to a device at my residence!!! " The sales draft provides the IP address of XXXX which is linked to the location in which you reside. '' What sales draft??? " The enclosed document has been redacted to protect private information such as account and other confidential data. '' What document?!? All they've provided is the following!! " Enclosures : Sales draft Letter dated XX/XX/XXXX Merchant IP address confirmation '' Really?!?!?! And if they're referring to the sales draft that XXXX showed them.. Again -- Not sure how many times I have to bash this into their thick heads ... XXXX has had it out for me, as it is on record they have already lied to Chase and showed fake documentation regarding a seperate dispute from me, as well as Chase eventually permanently crediting my account because they realized they lied and showed fake documentation!!! And it was shortly before this dispute!!! It is also on record, that months before this fraudulent purchase, XXXX banned me from making future purchases, and flagged me in their system so that I nor anyone in my household could create an account!!! Aside from this, acknowledging the purchase on my account was fraudulent via the email they sent me, and agreeing with fake documentation from XXXX, this is completely unacceptable!!! And I am NOT having it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX  # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There is a {$3500.00} charge to a line of credit at Santander Bank which I never authorized with my name on it. I disputed this and my  dispute was denied. I have never received any Bill 's yet my credit score is being negatively affected. I did not take this money and I should not have to be held responsible. What can I do.

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