vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've been having an ongoing dispute with a merchant who did not provide me a service and product that I purchased. I 've contacted them multiple times for over a month to get it resolved, but they did not help. 

I then contacted chase claims to try and get my money back through them. Yet after many days and long hours of providing information they asked for and providing all the proof they asked for, they denied the claims and are keeping the charges on my account. Therefore, I lost {$13000.00}. 

Chase 's reason is that it is a billing dispute that I need to handle with the merchant. Although repeatedly, I stated that I did not receive what I had paid for, so it is not a billing issue. 

I went through the reassertion process to get the claim reopened and provided everything they asked for. They said if I provided everything they asked for, it should be reopened. Yet, they came back with the same response, saying it 's a billing issue and can no longer be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Trying to login with XXXX app but td is blocking it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NY

Complaint narrative:
I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

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 2018-01-18 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: NY

Complaint narrative:
I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her

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 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me

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 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
td keeps blocking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Theyre not allowing me to connect a third party service assisting in reducing debt.

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 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2018, a letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent ledger as supposed proof of this debt.

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 2018-01-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing you to report that a collection agency, Portfolio Recovery Associates, is trying to collect debts from me that they did not sufficiently validate to me, upon my request.

I responded to a letter from Portfolio Recovery Associates requesting specific validation information that they did not provide. They also claim that they requested information from me, but they never did.

The validation information they did supply was merely generalizations of debts that have no clear indication as to the ownership of the debt, the right for them to collect from me, and lack of proof of any obligation that I entered into with them.

I want to submit a complaint.

Herewith attached are a record of correspondences Ive had with Portfolio Recovery Associates, detailing the basis for my complaint.

I trust you will address this matter accordingly.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX To Whom it May Concern, I am writing to dispute a negative information being reported on my credit report by Equifax ( Account # XXXX ). I have disputed this account information as inaccurate with Equifax, and they have come back to me and stated that they were able to verify this debt with the collection company name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

This cant be true because on XXXX XXXX, 2017, I contacted the collection agency myself asking them to validate my debt. Till today 's date they have been unable to verify that this is indeed my debt. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires Equifax to verify the validity of the negative account information within 30 days. If the validity can not be verified, the negative information must be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re Credit card # XXXX XX/XX/XXXX I went online to request change my payment date from the XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX- as system allowed up to 7 days later from due date. Payment due the XX/XX/XXXX payment, changed to XX/XX/XXXX. However Cap One made the statement appear that I cancelled payment on the due date -XX/XX/XXXX! ( Keep in mind my monthly payment is due the XX/XX/XXXX. ) They charged me a XXXX late fee and reported to credit bureau late. I have had an account with Cap One over 5 years and NEVER made any late payments and they chose to disrespect me, treat me unfairly, refuse to review and listen and correct. When customers are near their limit they disrespect their customers and and try to double up on late fees and lie about paymnt history. I called Cap one on XX/XX/XXXX and spoke with a male as he admitted I made a payment date change and he placed my payments back to the XX/XX/XXXX for the mon of XX/XX/XXXX-they have no right! So they can make even more $ off of me and reported late and now Im 2 months behind as its incorrect-EVen when I made my payment of XXXX in XX/XX/XXXX-they did no credit act for the month of XX/XX/XXXX- now showing 2 payments due ( XX/XX/XXXX & XX/XX/XXXX ). As u can see I cancelled XX/XX/XXXX payment that they show due XX/XX/XXXX when it was changed to the XX/XX/XXXX! Not fair! The male I spoke with ignored all issues and changed pmt back fraudulently and shows 2 pmts due illegally when they received XX/XX/XXXX payment on top of reported my act past due. If Im 2 payments behind why have I NOT received any calls payments are PAST DUE????????

Company response to consumer: Closed with explanation