vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
DITECH is refusing to release my insurance claims checks to pay the contractor for the completed repairs. The claim was from XX/XX/XXXX and all repairs were completed in XX/XX/XXXX. Insurance has paid all checks on the claim, including recoverable depreciation, total $ XXXX. DITECH has issue only one draw check for $ XXXX in XX/XX/XXXX. The contractor is losing patience and will proceed with filing a lien against the home.

DITECH actually told me to take out a short term loan to paid the contractor and they will paid me once they are satisfied that the home was repaired to their satisfaction, despite the fact that the county code inspectors and the insurance company adjustors have signed off! 

This is an overstep of the promissory note and harms me, due to 1 ) the devaluation of the home due to the Lien, and 2 )  hurting my credit. 

I believe DITECH needs to be sanction for this practice and to pay me my claim money plus interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PB Financial Group Corp
State: CA

Complaint narrative:
XX/XX/18 ... P B Financial Group Corp. ordered a UNAUTHORIZED credit report through XXXX XXXX XXXX XXXX. I was seeking a private 3rd mortgage refinancing through a 3rd party broker XXXX XXXX who is noted on attached email communication documents where I clearly stated to him that I was NOT authorizing ANY credit report inquiries by anyone relative to this loan process. I did NOT sign, nor AUTHORIZE PB Financial Group Corp. to run my credit report per their attached UNSIGNED by me ( XXXX XXXX ) Borrower 's Signature Authorization, which was witnessed, and stated in writing by ( attached ) email/text communication between myself ( XXXX XXXX ), and  XXXX XXXX!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RedBrick Financial Group Inc.
State: TX

Complaint narrative:
This loan was for my AC, the AC company explained the terms of the loan to me as 10 years, zero interest for 12 months, no payments due for the first 12 months, I called the company ( spoke to XXXX ) to confirm before signing the contract. She reiterated the loan would be 10 years and never mentioned a balloon payment. While signing the documents, I noticed some language about possible balloon payment, I asked the AC company if that applied to me and he said no, I signed the docs. The signed documents did not mention due dates, amounts, or terms/length of loan. I get a phone call XXXX my payment is due in XXXX and I explain that there is a mistake, I dont have payments due until next year. I ask the the agent, XXXX to confirm other details of my loan. She explained to me that not only is my payment due but my loan term is not 10 years but 5 years and I have a balloon payment at the end of the term. I told her that information was wrong because I was never told about a 5 year loan, nor about a balloon payment and that I was lied to by both the AC company and the loan company. I advised her I was filing a complaint as I was lied to and given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: CA

Complaint narrative:
This is a complaint regarding my Chase Freedom Unlimited Card in how a specific dispute was handled. A charge with the merchant " XXXX XXXX XXXX '' was disputed on my Chase Freedom Unlimited card on the basis of " Unsatisfactory Services Rendered ''. In Depth and comprehensive explanations with dates/times regarding this dispute can be found in the attached documentations submitted with this complaint. In summary, the merchant performed XXXX XXXX on my dog which XXXX XXXX   him. This is not only XXXX XXXX but also medical malpractice at its worst. My dog suffered a XXXX XXXX XXXX   due to this XXXX, which can be corroborated and factually verified through a statement provided by a fully licensed and practicing vet. I brought my dog to several different vets the following days after the XXXX XXXX occurred. 

XXXX XXXX XXXX XXXX, a Chase Executive employee handling this case stated to me that the vet " did not state that the XXXX XXXX was the cause of my dog 's XXXX. '' This statement by XXXX XXXX is 100 % false, a blatant lie, and a clear misrepresentation of the facts. In the SECOND letter written by the vet, XXXX XXXX, it clearly states that the vet, in his professional judgement, believes that the XXXX XXXX caused my dog 's XXXX XXXX XXXX XXXX. In MY SECOND letter, it clearly states that I brought my dog to XXXX XXXX 24 hours AFTER THE XXXX AT XXXX XXXX XXXX. 

As such, there is no ambiguity when it comes to exactly what happened. The second letter written by ME and XXXX XXXX, the licensed vet, is more than enough to establish guilt/wrongdoing on behalf of the merchant. I would like to state AGAIN OVER HERE, for the record, that I brought my DOG to XXXX XXXX APPROXIMATELY 24 HOURS AFTER THE XXXX XXXX TOOK PLACE AT XXXX XXXX XXXX. 

As all conversations are recorded, I have full verification of everything that was stated by XXXX XXXX and his attempts at defending the merchant when there is no evidence left to do so. Again, there is no ambiguity when it comes down to the facts and what took place. The vet clearly states, IN NO UNCERTAIN TERMS, that the XXXX XXXX was the cause of my dog 's horrendous XXXX. AGAIN, I BROUGHT MY DOG TO XXXX XXXX 24 HOURS AFTER THE XXXX XXXX  TOOK PLACE. This is also clearly stated within my second letter which will be submitted again, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: William C. Grossman Law, PLLC.
State: NY

Complaint narrative:
Greetings.. On or about XX/XX/2018 I received a summons to appear in XXXX City Court or face a judgement on a old credit card bill. 

I'm XXXX years old collecting Social Security and a Veterans XXXX Pension.. 

Under Federal and New York State law these funds can not be frozen or garnisheed.. As long as there direct deposited. Except under certain circumstances these funds can be frozen and garnisheed, and the banks supposed to know which is which. 


I did talk to a Legal Aid Attorney and my funds are not to be frozen or garnisheed. So therefore I'm not obligated to answerer the summons unless I wish to. Since I do owe the money I'd more than likely lose the case and a judgement would be won by the creditor or debt collector. 


What my Legal Aid Attorney mention to me is that sometimes the banks freeze and or garnisheed account when they shouldn't and it takes a month or more to get the funds released.. 


What needs to be fixed by congress is as fine of {$50000.00} on the banks for freezing bank accounts that are not to be frozen or garnisheed and a {$5000.00} payment to the person that the account was not to be frozen or garnisheed. 


I'm asking you to sponsor a bill to punish banks that drop the ball on making sure that the funds in accounts are not frozen or garnisheed when there not supposed to be. 


This bill would protect all people who are collecting funds that are protected under Federal and State Law in all 50 states not just New York State.

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 2018-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There are multiple entries listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that multiple unauthorized credit inquiries have been listed, and continue to be listed after being informed that these inquiries were provided in violation of the FCRA, and continue to be listed in violation of the FCRA.>>>> As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et  seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of the unauthorized inquiries listed hereafter, as it is a willful violation of the reporting requirements of 15 U.S.C. 1681-1681x. Id. 40-43.>>> As stated in Transunion 's most recent XXXX, Transunion 's U.S. operations `` are subject to numerous laws that regulate privacy, data security and the use of consumer credit or an individuals healthcare information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. '' And, " The law contains an attorney fee shifting provision to provide an incentive to consumers to bring individual or class action lawsuits against a consumer reporting agency for violations of FCRA. " >>>> The continued reporting of these unauthorized inquires constitute both negligent and willful violations the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681-1681x.>>>> I both have placed a fraud alert on my Transunion report and requested a lock on my report so third parties, such as lenders or other companies, will not be able to access your credit report without your consent. Still, I just received an alert for a new unauthorized inquiry by XXXX XXXX XXXX>>> The following Inquiries are unauthorized, all others are verified as authorized : 1. XXXX XXXX XXXX  - Date : XX/XX/XXXX, XXXX>>> 2. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>> 3. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>>> 4. XXXX - Date ( s ) : XX/XX/XXXX &XX/XX/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 2018-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yes .my XXXX card is reported lost and I asked for emergency cash option, well the option bva exercises is that you have to have a XXXX XXXX transfer done with a XXXX charge and was tolled 3 to 5 hours for a XXXX XXXX pick up .I 've been trying to to get a tracking number for 10 hours now and was now tolled it could take days for to get one .why do they call it an  emergency cash transaction if it could take days long?

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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found random late payments on my credit report and plus the balance is completely reporting wrong among the 3 credit bureaus. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Want For Chase To Remove any Fraud Checking Accounts That Where Open With My Social Security And To Allow Me To Open a New Account In The Future. if there any Money that has to Be Paid Back Am Willing To Make Payment To Those Accounts if Chase Allow Me This Chance is Still Showing My XXXX XXXX Reports Showing On My Consumer Report I Want them to remove this account from My Consumer Report i Never Open Any Accounts from Chase So Please Remove this Fraud account I Never Open From Chase and I Never gave Chase Permission to Open this account please fix this problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: CA

Complaint narrative:
Hello Dear CFPB I applied Chase XXXX XXXX Credit Card and my application was denied and i think its very unfair and wrong decision .I got phone call from XXXX supervisor she told me i have too many cards open and i handled my credit too well and i do not see any negative information on your credit and thats why i will turn down this application. 
basically i was told to not handle my credit as well as i was handling and thus they will denied my credit card application. Also XXXX mentioned i am not utilizing my available credit which is not accurate because i just paid off my Chase XXXX Credit Card which was more then {$4000.00} balance. Please reevaluate my application and make fair decision. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, Transunion and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX  due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.

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 2018-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
The loan is with easy money on XXXX XXXX in XXXX alabama. My first payment was due XX/XX/2018 and that is also my pay date. I came in early on XX/XX/XXXX to pay back my loan and borrow a lesser amount. The girl working that day did not ask me what I wanted to do as far as reborrow or pay off so she hands back the full XXXX. I took that amount so that she would not have to start all over and print more paperwork. I didn't realize that she did not correct the date on the paperwork being that I paid early so it put me due earlier than I should have been due and not on my pay date. The company put the check through causing it to bounce and cost me an overdraft fee. I tried calling and clearing things up with them but both people I spoke with did not try and correct the problem but instead were rude and asked when I would be in. I explained that my account had been messed up from this problem and that I would be in to show them my paper work. To cover the mistake they had made they tried on what should have been my correct due date and pay date several weeks later. This was not an authorized payment being that they did not admit that my paper work was dated for the wrong date and I did not know that they would do this. This caused more fees with my bank. They did the same thing 2 more weeks after and more fees were added to my account. I contacted the bank and explained what they had done and was credited for 1 of the overdraft fees and a stop payment was issued. On XXXX XXXX I was negative XXXX dollars from this company. I have not had a loan in that amount. They could not collect on my loan amount so took it upon them selves to try for another amount. They have committed fraud by taking an amount that is not owed by me and I have not authorized that amount.

Company response to consumer: Closed with explanation