vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Deutsche Bank
State: CA

Complaint narrative:
Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BYL Collection Services
State: CA

Complaint narrative:
On XX/XX/2018 I sent a letter to the company stating that they were Inaccurately Reporting to Credit Bureaus’ XXXX and XXXX by showing that the account was still actively "open". When the account shows open this creates a derogatory reporting every month. The reporting shows that the account was included in the BK but still shows "open"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRACO INVESTMENT CORP
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
I have no knowledge of the said collection account.I have no knowledge of the said collection account and would like it to be removed from my credit reports because it is affecting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My daughter and I have a auto lease with GM. We have had the lease since XX/XX/XXXX. We have made every payment via direct debit from checking out each month. My daughter was alerted in XX/XX/XXXX  that we were reported as 120 days late which is not correct. I attempted to call GM onXX/XX/XXXXto straighten this out. I was told they had a system change in XXXX  that caused reporting problems such as mine. I was assured someone would return my call on XX/XX/XXXX. They also told me on the phone that system said i missed 8 payments but she could see that i was current. No one called me on XX/XX/XXXX. I submitted two other online complaints and called again onXX/XX/XXXXand I was supposed to receive a follow up call but I have not received any further correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX my JP Morgan Chase Bank XXXX account was hacked and {$2000.00} was wire transferred to a XXXX XXXX XXXX of XXXX PA in a XXXX XXXX Bank account. This transaction was followed by another wire transfer from my account for an additional {$10000.00}. When I checked my account on the XXXX of XXXX I was blocked and immediately drove to my Chase branch in XXXX WA where I discovered that my account had been compromised. At no time did Chase alert me of this transaction via email, phone or text. They didn't put a customary hold on the funds to verify the legitimacy of the wires. They did accuse me of " benefitting from the funds '' and denied my claim. They said I must have given control of my computer to a third party and provided my account information, pins, etc. I was incredulous. I have never wired from this account. I have never given my information to a third party. I have only let XXXX XXXX support take control of my computer, I witnessed what they did. After this incident I purchased XXXX XXXX 's security system and watched them install new software to further protect me. According to the FDIC Electronic Funds Transfer Act of XXXX, Chase Bank should be responsible for the protection of my deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

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 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.

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