vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

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 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've had an account with Bank of America since late XXXX. The first check I deposited over mobile app was held for 10 days and they explained it was because the account was new. I was upset but understanding. Now it is late XXXX I have deposited checks over mobile, in store, and through atm. My latest deposit was ATM and it is being held until XX/XX/2018 it was XX/XX/2018 when I deposited it. That is much longer than 10 days first of all. Second of all m uh account is no longer new. The branch and the customer support are all acting clueless and unable to help as if holding my money that I need to survive for no explanation is something I just take on the chin. They also keep saying I should know checks can be held for up to 10 days ignoring the fact they are holding my check longer than that. Finally they have made nothing of the XXXX dollars I deposited available until the 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 2018-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I came across a job scam situation where the criminal tricked me to deposit a bad check and telling me to give them a cashier 's check. As soon as I deposit a {$5400.00} cashier 's check on XX/XX/2018 to their specific account, I realize I have been scammed and I went back to my Citi bank to ask for help. The personal banker " XXXX XXXX '' just straight up told me she doesn't know how to help me and just gave me her business card tell me to go home and call costumer support. After I came back home and researched for the costumer support number, called in, the operator asked for the account I deposit to and telling me that she will froze my account and stop the money from going out and told me to call back and check the next day. So I called in the next day, they told me they can't see anything because my account is frozen, telling me to call back again. Therefore, I have been keep calling them back for about a week, at first, every time I called in they reassured me that everything will be fine and telling me to call back another day. Until they finally told me that the check was returned again and they didn't save my money. I felt that my bank has mistreated my situation and did not provide me the most appropriate help, and wasted my time, when I could have a more professional banker 's correct guidance tell me to go back to XXXX XXXX XXXX for a reverse transaction on the cashier check I deposited. Now my checking account is over drawn since I only left {$1000.00} in there and Citi is forcing me to pay back the rest to make up the lost of {$5400.00} or else they will do a debt collection and close my 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 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM 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 2018-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX XXXX  obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX  to determine the status of the debt but have had no luck reaching the right folks. 

The property address is : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am always sent preapproved and preselected marketing information from Chase inviting me to apply for credit. When I respond to the solicitation, I always receive an unfavorable response with one excuse or another. I called the Chase Reconsideration Department on XX/XX/2018 at XXXX to discuss my application and the representative told me that people like me are a risk because I have opened too many credit cards in the past two years. I have explained to Chase that I am low risk as I am a current business banking customer and have an established credit profile with a credit score above 750. 

Chase is unscrupulous in their business dealings within the XXXX XXXX   community with a different set of standards on how to engage. Despite many years running a successful and profitable enterprise, Chase regularly discriminates against credit applicants such as me on the basis of race and color. The actions of Chase Bank are despicable but the reality of it is nothing is going to be done about it. Worse case scenario, Chase will admit no liability and pay a fine which is ultimately paid by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XXXX of 2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.

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 2018-11-24 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: FL

Complaint narrative:
Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XX/XX/2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I have/had a loan with Caliber Home Loans. Earlier this year, I want to say XXXX, I pursued with the help the the state of Massachusetts Attorney General 's office a modification which was finalized and signed. I send my payments to XXXX each month via tracked mail and have been doing so for over a year. Caliber received my check on XX/XX/XXXX and did not cash it like they normally do. I called and asked about it on XX/XX/XXXX and was told that my servicing would now be handled by XXXX XXXX, that they had sold my loan. This was 19 days ago, and I still have not received paperwork from either servicer regarding my mortgage loan. It is my understanding that I should have gotten paperwork of some sort at least 15 days before my payment was due, which is the XXXX. I have no address to send it to, no new loan number which is necessary since nobody seems to want to send statements. I have already had to fight foreclosure threats from Caliber and had to call in the Attorney General in order to do so because they kept finding reasons to bounce modification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
I have tried to open a bank account for over a year now and all the banks have told me that because of my XXXX file I'm not able to open an account. I have received my file via mail but I still don't understand what a XXXX is or why I can't do one of the many basic needs. The last bank I went to was XXXX XXXX XXXX and they helped me find the website to get my file but there is no working number to speak to someone about my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was never late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}

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 2018-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information

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 2018-11-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information

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 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This account has not provided any documentation to support the reporting amount/balance on my credit report. They have also not responded to any of my validation letters sent

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 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.

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 2018-11-24 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-24 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: GA

Complaint narrative:
I requested these inquiries be removed because I never gave consent to review my credit report. 



XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX / Inquiry : XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.

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 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has taken at least over {$100.00} from my account within the past month. And have been eating my whole paycheck, causing my bank account to be always negative.

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 2018-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My Complaint is regarding a previous Complaint I filed with you, the Following Case Number is XXXX. 

The Response Navy Federal Gave you was inaccurate and false. 
I've never had any issues or problems with anybody or someone trying to access my account online illegally. My wife and I ALWAYS use her phone to access my online access on our JOINT TOGETHER .... Navy Federal Credit Union has provided and given you FALSE RESPONSE on XX/XX/XXXX. 

Because we had a joint Chapter XXXX Bankruptcy that was filed in XXXX my wife had accounts with Navy Federal Credit Union 1 or 2 accounts were included in that Chapter XXXX Bankruptcy. Navy Federal credit Union doesn't approve of me giving my wife access to OUR Joint Account ONLINE under my login. She's my wife not a XXXX stranger.

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