vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I gave chase my bank account number to pay my bill and they wouldn't accept it, they told me they had a different number with my account. It turns out they were charging another member at my bank. I dont know how this happened, my bank told me they had no idea how chase got the other members account number. I had to reimburse the other member. My bank told me that it was an error on chase 's part. I talked to chase and they acknowledged their mistake but told me they couldn't remove the missed payment from my credit report. They told me to dispute it on my credit report if it showed up. I tried multiple times to make a payment after my automatic payment was returned on XX/XX/19. They wouldn't accept my attempts to pay. They corrected the account number for future payments but that's it. I really need this resolved as I'm trying to build my credit. I never wanted to miss a payment, it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

Ocwen. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX XXXX XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: VA

Complaint narrative:
I have an account with XXXX/Netspend and I authorized payment for {$600.00} to come out to pay for my car payment with XXXX XXXX. I became aware today, XX/XX/2019, that the payment that I scheduled forXX/XX/19 was returned due to NSF. I was not notified via mail to advise there was a return payment. The account at the time had a balance of {$590.00} which would have made the account short by {$3.00}. XXXX/Netspend I learned will pay for transactions if within a {$10.00} range but not if you use a Checking account. I have not had an NSF on this account the entire time which has been almost three years. I now have a 30 day late on my Credit Report because I was unaware of the NSF. I also didn't receive notice from XXXX. I feel it is unfair to customers to have overdrafts paid if they use their debit but not their checking. It's the same account and XXXX/Netspend would still be extending funds. The card I was not afforded the option on my account and now this has damaged my credit. I have tried to reach XXXX/Netspend to resolve and they only offered a sorry and moving forward to change alerts. The card I have states all access but I was not given the same treatment for customers with debit card transactions they may come up short.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
On XX/XX/2019 I sent out a validation letter to Louisiana Recovery Service to validate how this is my debt since it was reporting on my credit report. I havent heard from them and have never did business with them prior to checking my credit report. However, after attempting to contact via certified letter and tracking the letter ; it is showing me that it was scheduled to be picked up at the post office and now it is saying reattempt to deliver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ReliaMax Holding Company
State: FL

Complaint narrative:
I borrowed XXXX dollars from max lend, to be paid back in installments, XXXX each month, well I have paid back over XXXX dollars monthly and to get the loan paid off they want XXXX in addition to pay if off. That seems exhorbitant to me! I already paid what I borrowed and I am willing to pay off an additional XXXX if that will close the loan but they want an additional XXXX to what I have already paid. I did not realize that when I borrowed the original XXXX dollars. I was strapped as I am retired and had an unexpected expense.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
I recently applied for a loan modification with Selene Finance because I missed payments due to a lengthy XXXX period.I have since regained employment but with decreased compensation. I was hoping to receive a forbearance and/or reduced interest rate to reestablish regular payments. I was just told via phone my modification was approved but with a mortgage payment increase of {$500.00} and if I didn't make the first payment ( {$2800.00} ) within two weeks ( XX/XX/XXXX ) Selene would resume the foreclosure process. I explained I would pay but would need to XX/XX/XXXX to realistically come up with this extreme payment and since I haven't even received the offer in writing in the mail to review or sign how could I be prepared for such an amount or know the terms. The customer service department stated the investor on my mortgage will not give any more time. I have researched this loan servicer and they have hundreds of complaints regarding working against homeowners so the investor can foreclose and profit on the resale of homes. They're expecting me to send in a payment without even seeing the terms of my modification which seems very fraudulent. All i need is to be able to review the terms or this modification or repayment and be given a reasonable time to make my first payment. Please assist in making this company accountable for their bad mortgage practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has been running a promotion for the past year, where if you keep certain amounts in your Priority savings and checking accounts, they will pay you {$600.00} within 90 days. One condition was that the money must be new to Citibank. 

I attempted to take advantage of this offer twice - both times unsuccessfully. Initially, in XX/XX/XXXX I applied online and was approved for the accounts instantly. However, few days later I received a call saying they are missing documentation, namely proof of id. I provided my US passport. That was rejected. Eventually, they told me US passport is not acceptable for account opened online, and I would have to go to a branch to complete the process. To which I said I did not wish to proceed, since in my mind, US passport qualifies as an ID, and told them to close the accounts. Those accounts were never funded, and in my mind, since they refused to honor my documents, were never opened. 
Then in XX/XX/XXXX, I attempted to apply again - again, online, and again, using my US passport. That time around - they had no issue whatsoever! and accounts were opened and funded with {$50000.00} as the offer required. Starting in XX/XX/XXXX, I kept inquiring about my bonus {$600.00}, each time getting told it would be credited in XXXX. 
Eventually, when I contacted them in XXXX they told me I would not be eligible for the bonus, since I had an account with them previously, and referenced the accounts that they refused to acknowledge due to 'lack of documentation ', and which were never funded. I explained the situation to a customer service rep, and he escalated the case to a research department. The response from them was brief - 'you had a previous checking account opened on XX/XX/XXXX '. 

Epic failure both times - first refusing to accept US passport as an id ( yet accepting it with no issue the second time around ), and then refusing to honor their offer due to the fact they did not allow me to use it back in XX/XX/XXXX. 

It was pretty dismal how they handled my initial account 'opening ' back in XXXX, but to build future failures upon that - is just beyond me. 

By the way, I am a former employee, and should they think US passport is not good enough, they have all the information on me there is. 

Regards, 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 monetary relief
Consumer complaint received 2019-07-15 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: Credit Plus Inc
State: IL

Complaint narrative:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: FC HoldCo LLC
State: IL

Complaint narrative:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NJ

Complaint narrative:
Equifax wont remove XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  card they are using XXXX XXXX and not doing a proper method of verifying that these accounts are fraudulent as they are ruining a for profit business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a Private Party car loan at XXXX XXXX XXXX on XX/XX/2019, at their agency located XXXX XXXX XXXX XXXX, XXXX, Texas. 
I got approved based on my credit score and got the approval letter. 
Then I got someone from the back office that asked me 4 security questions based on my credit report. They use solely Experian. After answering, Experian denied my loan wrongfully following my answers which were accurate. 
I succeeded to negotiate a second series of questions, but I got the same result with different questions, denied, while I answered accurately to their questions. 
I called several times Experian on the phone. It's extremely difficult to get hold of someone in that company. Their call bots are everywhere avoiding you to get hold of someone. 
Finally, after trying several numbers and combination of call bots options, I got hold of someone at the dispute service by dialing XXXX XXXX XXXX XXXX # XXXX. 
I asked to this person if the questions where matching with my credit report. It appeared that my answers were accurate while I got declined. 
I asked to be put in contact with anyone in charge of the security question engine, to see if there is an error in their process and if I will have to go through another decline next time I will try to verify an approved loan by another bank which is using solely Experian ( like XXXX XXXX XXXX ). 
Experian told me that there is no-one I can contact to study the issue. Not an engineer, not a supervisor, no one is in charge of their questions generator. 
Now that XXXX XXXX XXXX denied my loan due to Experian security questions, I don't have any way to fix the issue with XXXX XXXX XXXX while I was on site with my banker who confirmed my identity by using my driver license and passport. 
A credit score and report agency should be used as a proof of my ability to finance and pay on time my loans, mortgages, bills and credit cards. Which they did validate, since I got approved A credit report agency is NOT an identity verification authority. My SSN is NOT an identity card. 
I would like to file a complaint against Experian, that is wrongfully blocking me to get a crucial loan due to their wrongly generated " security questions ''. 
Best regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Monterey Collections recently reported an unpaid debt for {$17000.00} on my credit report. Prior to the appearance of this account on my credit profile, I did not receive a notice of my right to dispute. Due to this negligence, Monterey Collection Svcs is violating my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2019 I made a payment in full to Bank of America, When I spoke to Bank of America they told me no balance remained. It seems that {$1.00} interest may have accrued which I was never notified about.This account went 30 days late without me being contacted even once. I was not aware of this when I was made aware of this i paid it off immediately. Why would I not pay a {$1.00} bill when all my other bills are paid on time. Review my full credit report you will see that. This has ruined my credit worthiness and has caused me damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX-XXXX-19 today was my 3rd call trying to get experian to unfreeze my credit! I have done everything they have asked, its not my problem that the system they use XXXX! Ive tried the website & calling nothing is happening, I cant get a ace to live or a car cuz of this!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wanted to freeze my credit with all 3 bureaus last fall. I was immediately successful with all but Equifax. They said I did not have credit to create an account to freeze. They asked for copies of my Driver 's license and SOS card to be mailed to them, which I did ( twice ). I obtained a credit card and have good credit standing and finally they sent a letter confirming they froze my credit and provide a PIN number and instructions to thaw it. 
As a XXXX XXXX, I want to build my credit so I need to apply for a second credit card through my Credit Union ( who uses Equifax ). I attempted to thaw my credit with them through the website they provided. They said it was " temporarily down '' ( which has been their excuse for months now ) and so I called their number. They said they COULD NOT THAW my credit, no reason given. They said I had to write them a letter requesting a thaw and AGAIN send picture ID and SOS card. I did so. I received a letter from them that they could not thaw my credit because they could NOT LOCATE MY CREDIT FILE. So they have frozen my credit, but refuse to thaw it so I can get a credit card!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn credit Corp has a XXXX XXXX  utility bill with XXXX XXXX XXXX date is was opened was XX/XX/2016 I never signed a contract nor did I show an ID I did not authorize this bill to be put into my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification 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 explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX I called Citibank to have them close my account. I had a {$0.00} balance, so I told customer care that want to close, and, was on call with them for 3 min & 27 seconds, and they confirmed my account is closed. They confirmed that they will send me out via regular mail, a closed account letter, which I never received. To my shock and awe, a couple days later, on the XXXX of XXXX, i was charged a monthly service fee of {$12.00}, take into account, I had closed account several days prior, and brought my account negative, so they charged me and insufficient funds fee on top of that. 

Over the past month, the incessant calls i have been receivieg from Citibank customer services has been a real burden, them asking me to settle my negative balance, when i close my account over a month ago, with a XXXX balance. I had said on the numerous harrassing calls to me, when i have told them to stop calling me and had closed my account over a month ago, they still keep calling me, the most recent was this past Sunday, XX/XX/19 at 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 monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC
State: VA

Complaint narrative:
I am the seller of a home that relied on a lender letter saying buyer was credit worthy assets and income verified and ALL DOCUMENTATION HAD BEEN RECEIVED, REVIEWED AND RECONFIRMED. This letter Enticed me to enter into a contract with a buyer that later could not close. XXXX XXXX misrepresentations pertaining to the buyers ability has caused me financial damages.

Company response to consumer: Closed with explanation