vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello. My claim refers to two transactions made through XXXX from the bank Chase that ended up in the wrong hands for reasons beyond my control and has resulted in money lost without response. 
It happened as explained : I have check accounts with XXXX XXXX and chase. In XXXX XXXX I had XXXX configured with my phone number, with chase XXXX used my email. On XX/XX/XXXX I changed my phone number on XXXX  for scam call harassment. 3 days later XX/XX/XXXX I updated my information on the XXXX XXXX website by putting my new phone number. I made a transaction of XXXX using XXXX from chase as I usually do, using my new number and trusting that everything was fine. The next day XXXX my wife calls me saying there was not enough money in the joint XXXX XXXX account and I send XXXX more and then I verify and surprise : no transaction ever arrived. Quickly from my work center I call chase and XXXX XXXX to get an answer and they tell me that it can not be canceled. 
I personally went to both banks and they just told me that that phone number was anchored to the previous owner of the number in the XXXX XXXX XXXX.I called XXXX  and they tell me that number had not been used for months.I updated my profile in XXXX XXXX on time, as it was possible that? It turns out that although your data is correctly updated in the profile in the XXXX XXXX system, you can not register that phone in XXXX if it is anchored to another bank. But chase having been informed of the problem to try to give quick solution like cancellation or something, never did anything, and the money was mine and left chase at the wrong hands. I made a claim in Chase with number XXXX, they washed their hands passing the claim to XXXX with number XXXX tried to communicate with the customer service in XXXX and it is  impossible to reach because they always refer you to your banking institution. And I have not even received any answer by email from them just total silence. 
Yesterday, XX/XX/XXXX, after several attempts to recover my money I have called to Chase and they tell me that the back office tried to recover the money from the XXXX  XXXX XXXX and it was not possible. So simple as that.This shows that the XXXX system is not at all safe but also demonstrates the incompetence of a bank as Chase to fairly solve a situation that I was not guilty of, Because simply I did everything I had to do at the time I used my own phone number, update my information as required and so and all the money has been lost. That's why I ask for a refund of my money to Chase, as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/2018, I paid off my car loan. The bank never sent me the original title. Recently, I requested the title ; however, I received a letter stating that I paid off the loan. Again, I requested the original title. This time I was sent a lien release letter. I called again and I was told they sent the XXXX   DMV an electronic lien release. I was not told why I have not received the physical title. 

This is not the first time I have had an issue with Key Bank being my loan servicer. Initially, when I paid off the loan they refused to automatically close my account. I was also told that I had to close the account in a Key Bank branch, and I would incur a fee for everyday the account was open. After complaining and threatening to file a formal complaint, my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: U.S. BANCORP
State: MI

Complaint narrative:
This is in regards to the original complaint XXXX. 

Company responded with original decline letters, and additional information. The additional information specifically states that they refused to take a fresh pull of my credit information and was going on information obtained before I applied to unsecure this card. 

This company declined my request based on negligence, laziness, and refusal to properly engage in fair credit practices. Why are they allowed to make a decision based on outdated information? 

In addition, i made it very clear in my complaint that all my revolving debt is paid monthly now, and they cited having a " high revolving credit '' as the reason I was denied, Since when is less than 10 % credit utilization considered high? 

They also claimed I have a credit score of XXXX, That is incorrect. My credit score is XXXX, not XXXX. Why is the CFPB closing a complaint when it is so obvious that the credit card company is negligently lying to the CFPB and giving misleading information? 

USBANK, Last chance to fix this issue, the next step for me is going to be retaining a lawyer and starting the extremely expensive discovery process, and the process of moving this into a class action lawsuit to find others like me who you have negligently lied to

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 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I did not become aware of the debt until it was reported to the credit monitoring companies. The debt should have been paid by insurance. The debt of only {$280.00} took my credit score from over 800 to under 700. I have paid the physician and asked the collection company provide a deletion letter to recover my good credit score,  because the debt was resolved, however, the collection company claimed to have a company policy against sending deletion letters, and they refused. This is particularly damaging because I am in the process of buying a house. Their refusal to send a deletion letter due to a company policy will cost me {$3000.00} per year in increased interest.

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 2019-04-22 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: Conn's, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I went to their store and applied for their financing of furniture. I did not take possession of the furniture. The first payment would have been due on XX/XX/XXXX -- if the items had been received. In XXXX of XXXX, I started getting past due notice and then realized that they had put it on my credit report with all three bureaus. I called them and was told I still had to pay for the items because they were holding them in the warehouse. I asked to speak to a supervisor who informed me that was not true and the store had returned all of the funds. I asked why was there still a balance on the account? He told me to go to the store -- I did they gave me a print out of the account. the full loan balance was {$8700.00} which broke out {$7800.00} to the store, {$950.00} for insurance ( which was not supposed to be on there because I had renters insurance. ) ( I have the contract ) The print out from the store shows they returned {$7500.00} which left {$240.00} for a pair of XXXX earbuds that was supposed to be charged to my card. I went back home and called them told them I had the printout and my balance and paid it ( I have my receipt ). They asked me to fax the printout to them which I did. 3 months later the account is still open with a {$400.00} + balance. My credit report since XXXX has shown that the High balance on this account was {$8800.00} with a monthly payment of {$350.00}. It is now showing that I am 30-60 days  delinquent ( I have the print out ). They send me harassing emails everyday ( I have saved them ), letters every week ( I have saved them ), they were calling me every hour during working hours until I told them to remove my number. I have exhausted myself trying to get this account closed and this negative item removed from my credit report. I was in the process of getting pre-approval for a home loan which is now on hold until this is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX, XXXX XXXX increased my limit on two credit cards. However, XX/XX/XXXX XXXX decreased my credit limit which increased my credit utilization to 93.6 % utilization. On XX/XX/XXXX, XXXX then decreased my credit limit on 4 retail cards so that now all my utilization levels are at 90 % or more. They state the reason is that my credit score dropped dramatically in one month. However, how does this protect the consumer? I repaired the issue that affected my credit which was a medical bill and late payment that is now current and paid over XXXX in debt this month, but this company went above and beyond to harm me as a consumer. When I explained to them how does this protect consumers since capitalism is based on the money spent by individuals. They had nothing to say, except I see you have never had a late payment on any of your XXXX accounts. Yet, here we are with a financial institution making a decision that did not even affect them, but rather infringed on the consumers hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
i have contacted XXXX XXXX XXXX multiple times and found out when i went there in person they are now BOK financial. XXXX XXXX XXXX XXXX, XXXX XXXX. they gave me the phone number in XXXX Oklahoma for the mortgage portion. XXXX spoke to XXXX and then supervisor XXXX XXXX and i requested the information, he refused to give it to me. 
i requested a payoff amount they refuse to give it to me because im not the original person on the loan, it is my parents and they are both dead.. my name is on the deed with rights of survival ship i and the mortgage company 6 times have sent death certificates and copy of deed also my ID showing who i am and the i am the legal owner of the home being sold. when i called him he asked for my middle name aso its XXXX a very XXXX name and their attitude was worse, not only are they not allowing me my legal roghts to know how to pay off their loan in good faith, but they are also RACIALLY DISCRIMINATING me because in XXXX and i don't live in Oklahoma. i am requesting immediate assistance in this matter and a attorney to sue them for breach of contract and stress pain and suffering can you help me. my escow manager in charge is XXXX XXXX at lawyers title in XXXX Arizona XXXX can confirm all documents were sent. XXXX XXXX went as far as insinuating that she was lying about sending documents and requests. considering were in mourning over the recent death of my father they are being unjustly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
I am writing to you to complain about Common Wealth Financial Systems .. I have found adverse account information listed on my credit reports. Under account # XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to. XXXX, XXXX & XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of { {$880.00} }. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times. Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Mother passed away in XXXX. She had a house with a mortgage from XXXX. There was a will, I, her only child was to inherit the house ( and mortgage ). I began making payments. No lapse. Then, about 5 years ago the loan was sold to Bayview Loan Servicing LLC. To clarify, I do not live in the house my Uncle does. Since my moms death, all mortgage correspondence came to my home address where I now reside. After the loan was sold, I noticed my name dropped off the bill and when I called to see why I was informed that I appear nowhere and they cant give me any info on the loan. Over three years, I submitted copies of the Will, the Short Certificate of Death and the estate information. 
It doesn't take. In XXXX they sent an oddly addressed letter to my moms house ( never did that before ) demanding officially for information. I yet again submitted the documents in XXXX. Now, another letter has come to my moms house stating that the documents were insufficient and the foreclosure process will begin. 

I called today ( XX/XX/XXXX ) and after 45 minutes no one could tell me WHAT OTHER documents they required and could not answer my question. Instead I was told to write a letter in dispute that would then be reviewed by their legal dept and THEN they could let me know what more is needed. Ha. Will I have my house by then? 

Important to note : I pay extra on my mortgage every month which went to principal ... since XXXX took over, the are holding my extra money in a " suspense '' account! Of course, they can't do anything to change that because I'm not on the loan. 

This mortgage has a balance of about {$6000.00}. 

Also, discovered my mom 's deed is not in my name despite the estate set up and Will. I am on that and getting a lawyer to complete the transfer as I write this. 

I just feel like this company is really trying everything they can to get my childhood home! It's been absolutely unbelievable to deal with. Very shady practices indeed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
Accounts with XXXX XXXX XXXX XXXX XXXX. XXXX were inadvertently changed on previous attempt of having NMEAF fix some errors on credit report. XXXX went in and disputed all accounts not just NMEAF. 

In response to the dispute the XXXX XXXX accounts were changed to Fail to Pay status in XX/XX/2019 which appears as a new collection and has dropped my credit score 52 points after the change took place. 

I have been working with XXXX at XXXX XXXX XXXX XXXX. XXXX she has tried multiple times to fix the PAYMENT HISTORY but has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens one auto finance sent a letter to me stating erroneous reasons for denying a loan I was attempting to co-sign for my granddaughter. My credit score is in the 800 level yet they claim I was denied the loan due to delinquent credit history, limited or no credit file and collection, charge off, judgment, foreclosure or repossession. Absolutely none of these apply to my credit file. They go on to cite time since most recent opening is too short, proportion to loan balances to loan amount is too high, too many accounts with balances and length of time accounts have been established. I could not care less that they did not approve the co-signing of the loan however I do not feel they should be not be allowed to cite reasons that do not apply to my credit file. I would not have an 800+ credit score if any of these were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
one student loan is reporting under my name with equifax credit reporting agency this is not mine, i have never went to school here and never got a student loan. 
this is a very inaccurate information reporting under my name, please have equifax remove this inaccurate reporting.i will be attaching the FTC report and the police report that i had inquired and sent to equifax as well. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: TX

Complaint narrative:
I have been disputing these accounts with Transunion, XXXX and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX XXXX and XXXX XXXX XXXX that sold the accounts to 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 explanation
Consumer complaint received 2019-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX/XXXX  Acct # XXXX XXXX/XXXX Acct # XXXX US Department of Education   Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: IL

Complaint narrative:
As soon as I found out I had four accounts in collections ( {$1000.00}, {$2200.00}, {$1100.00}, {$2600.00} ) with Midland Funding I immediately sent dispute letters, asking for validation of the debt. I have been a victim of identity theft 2 times. I asked for something bearing my signature, and only response I have gotten is a copy of the bill of sale from the credit card company to Midland Funding, and on 2 accounts I received a printout of a statement. These are not my accounts and are being reported on all 3 credit reports, bringing my credit score down. Midland Funding has refused to provide me with signature validation of the debt. I also informed them that as per FTC opinion letter from Attorney XXXX XXXX XXXX that a printed statement does not constitute verification. I would like these accounts removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I noticed a collection on my report from Midland Funding for XXXX XXXX XXXX in the amount of {$710.00}. I reached out to the Collection Agency informing them of the debt not being mines and they have failed to respond and removed the collection from my account. This debt that does not belong to me has been detrimental to my credit history and has hindered me financially. A copy of a bill is not validation of a debt because anyone could have submitted those payments to XXXX XXXX XXXX. XXXX XXXX XXXX   and Midland Funding have no sign contractual agreement that states that I was the authorized user of said account and that I have gained from the tradeline ; also they have ignored many attempts that I have made to have this erroneous item removed from my report.

Company response to consumer: Closed with explanation