vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The only charges to my bank account at the end of the service {$500.00} or two charges at the end of the service. One for {$380.00} and another for {$120.00} both to be done at the end. Of the service. No, not during the service. The end of service. Only those particular specific ones. " Equals to only {$500.00} '' None of the process procedure was done!!! 
Please do not forward attachments. Download attachments. Then send to.

Reason I, do not work for the CFP bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I WAS EVICTED FROM XXXX XXXX XXXX THEY REPORTED INACCURATE INFORMATION TO XXXX,   XXXX AND THE DEPARTMENT OF LABOR, THE DEPARTMENT OF JUSTICE INCLUDING IDENTITITY THEFT WHILE I WAS IN THE HOSPITAL MENTALLY INCAPACITATED XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im extremely upset with your service, customer services overall how you handle customers from your 360 bank service. When all i want is my money back, you close my account during sign up after i deposit money told me to wait until the hold becasuse how much the check deposit was to pull out funds but the money was a in my account 4days before i have proof from the bank that issue it. Now funds are clear and you wont send to me via overnight check, XXXX ( which i sign up for or wire ) im so fed up with this process im will pay the wire fee to get from your company. Was lied by your security team to drive 4hrs from my city to cafe for withdraws funds and was told capital issue money at cafe. So now im in situation to sue you guys to get my money back and the damages you have cause me. missing my rent, and car note because you wont sent me my own money for close my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am confused about a complaint, I filed with CFPB in XX/XX/XXXX. This complaint was never resolved, no correcting respond from CitiMortgage, Inc. and no follow-up from CFPB, although there was several violations by this mortgage company, when they continued with a foreclosure that simply violated all CFPB protection ruling in XX/XX/XXXX. I contacted the right authorities, but I did not receive a follow-up on the situation, no kind of investigations into the matter, as to what was done to correct it, I am baffled, because in your release in XX/XX/XXXX, the rules were clearly stated and released to mortgage servicers, but they still continued with their foreclosure practices. Those practices is mistreatment to struggling borrowers. I have not heard from CitiMortgage since XX/XX/XXXX my last response from someone associated with CitiMortgage, under your ruling my foreclosure should have been halted on several reasons. I am also requesting my mortgage file documents from XXXX, XXXX,XXXX,XXXX and XXXX. But, the foreclosure attorney for CitiMortgage continues to harass and send threating letters to vacate notices and now CitiMortgage is trying to sue me, to have me ejected. CitiMortgage, Inc. has violated all CFPB rules. I am currently in Bankruptcy. CitiMortgage canceled the homeowner 's insurance without any notification. This is so unfair to any homeowner. When will I be able to get some reimbursement funds from CitiMortgage, from the XXXX XXXX dollars, that was fined by CFPB?

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 2018-08-13 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: GA

Complaint narrative:
I have a collection acct XXXX XXXX " XXXX '' reporting on Transunion this account was payed in full for deletion it was removed from XXXX, XXXX, Transunion then a few months later it reappeared on Transunion and XXXX. This account needs to be removed 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 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent a number of disputes via certified mail and have not received documentation that the debt is mine. This is not my debt. Please provided proof of debt, such as a signature, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied and received a fixed rate visa card from Bank of America,  XX/XX/XXXX - In the disclosure of the contract it specifically states the FIXED rate means that the APR " will not '' vary in accordance with the changes in a formula, such as the U.S. Prime Rate. XX/XX/XXXX BOA started raising my rate - I question them about it and their answer was " because of a change in their business practices my APR will be changed to a variable rate based on the Prime Rate. '' I have researched the original agreement, the Truth and Lending Law and XXXX-XXXX Credit Card Act and can not find any statement that says a company can change a contract regulations because of a " change in their business practices ''. The XXXX-XXXX Credit Card Act states specifically that a FIXED APR can only be changed if late payments, over credit limit, or intro offer expires. A change in business policies is not a valid reason even with notice.

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 2018-08-13 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: Innovis
State: PA

Complaint narrative:
I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I had to leave XXXX due to poor service. The company gave me horrible service since the first month. I took them to court and they never showed up. I switched over to a new company and made a. XXXX I return the phones and they would credit my account. After returning the phones XXXX sold my account. AmSher is trying to collect XXXX from me and I do not owe this amount. I emailed my contact in their office and still dont have a response. I explained to AmSher that this information is incorrect. This debt is invalid and AmSher is illegally collecting on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: MO

Complaint narrative:
I called Experian hundreds of times over several months and Experian continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told Experian the XXXX accounts were closed. Experian insulted me when I called and refused to remove the inaccuracies even though all 10 XXXX loans are closed. Experian denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to Experian that they were violating FCRA and they just hung up in my face.

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 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
Every month when I attempt to pay my mortgage there are issues with paying it. I pay online as I am in Arizona and the property is in Ohio. I am never able to access my online account and it is constantly changing. I call into the mortgage company and they are not able to assist me with this. The only thing they have to offer is over the phone payment with an additional {$12.00} charge or I end up having to pay a late fee of {$20.00} as after the XXXX of the month, my account always miraculously starts working again. This has been an ongoing issue for over a year. I also cancelled my home owners ins in XX/XX/2017, as the home is under a land contract and the tenant has his own home owner 's policy and they are still charging me $ XXXX/mo for ins that has been cancelled. I believe this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Diversified Consultants, Inc.
State: UT

Complaint narrative:
Diversified Consultants is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX, I am a single-owner XXXX with no full time employees. We're so small that our credit cards for business are all taken in my name. My company 's name is - XXXX XXXX, XXXX dba XXXX XXXX XXXX. 

This complaint - about Capital One visa -- is centered around an Insurance company 's push to collect ( going back to XX/XX/XXXX ) advance payment for 2 Insurance policies ( only 1 needed ) that were soon after deemed to " not have the right coverage '' and the upper limits of {$3.00} Mil to cover our risks on contracts for our customers. And, the second policy was paid for in XX/XX/XXXX for {$2300.00} on our Capital One visa. Soon after paying this way, we found out that we had no insurance coverage ( Per our sales rep - XXXX XXXX, at XXXX XXXX, affiliate of XXXX XXXX XXXX XXXX ). 

There are parties at the XXXX XXXX XXXX that have been forcing re-bills for the transaction with Capital One believing whatever story that they have, and refusing to hold up the validity of all of our Documents/ Proof attached -- - Including the Virginia State Corporation 's involvement in our case with them. ( see attachment called " 2 refunds and 2 forced re-bills ). 

Please see all attachments and most important to start -- is a PDF of the XX/XX/XXXX purchase of -- {$2300.00} that was Refunded by Capital One when we contacted them in XX/XX/XXXX after XXXX XXXX XXXX XXXX notified us that we had " no special overages as required by our company, that they wanted to charge {$2300.00} for premise liability only- '' - which at that time, the first policy attempt with XXXX  that was cancelled to the inception was only {$690.00}. 

Please note, that although this insurance company 's short ( refunded {$200.00} less than owed ) on that first policy, written for only 10 days in XXXX, that the short refund on that one ( paid by check ) was {$490.00} only when we had paid {$690.00} for it 2 weeks earlier. 

All proof and documents attached, including emails between myself and this insurance company. THEY STILL OWE - XXXX XXXX XXXX over {$2500.00}, including the {$2300.00} and Capital One has NOT EVER PROVEN THAT WE OWED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. 
Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. 
PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. 
PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. 

Provide a copy of the source without excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: UT

Complaint narrative:
XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: UT

Complaint narrative:
XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had 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 non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX XXXX XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX XXXX to pull my credit nor was there a formal application.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I noticed a couple of months ago there was an account added to my credit report by XXXX XXXX XXXX. It surprised me because it is a very old account. It was involved in a bankruptcy case in XX/XX/XXXX. I'm not sure why they would now add this account after all these years. The statue of Limitations for collection is up being that it is past 6 years, and it was in bankruptcy!!! I reached out to the 3 credit bureaus to tell them about their unfair credit reporting. XXXX and XXXX deleted this account from my report. But on XXXX it still remains.On my credit report they have date of delinquency as being XX/XX/XXXX and date reported XX/XX/XXXX and date assigned XX/XX/XXXX. Clearly this is a blatant case of re-aging my account. And that is a direct violation of the FCRA, Fair Credit Reporting Act. Also I disputed this with XXXX on XXXX XXXX and there is no mention of my dispute listed on my account as of XX/XX/XXXX. Clearly another violation of the FCRA. This illegal and unfair. This incorrect reporting is hurting my credit. I am also contacting the XXXX  and the Attorney General Office to let them know what they are doing to consumers. They need to delete this NOW!!!!

Company response to consumer: Closed with explanation