vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been asking Porfolio Recovery Associates, LLC for validation of an account l noticed on my credit report and they have failed to do so. I have responses telling me that the account is valid along with attached documents, but nothing is showing this is my account. They are not sending me anything to validate my account. My first response was XX/XX/2019, which is over the 30 days given for validation. 

my account number is : XXXX Seller : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX. 
Current Creditor : Portofolio Recovery Associates LLC Balance :  {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last year, I checked mycredit report when applying for leaseing a car in XXXX XXXXand found that I had several credits card under my name that I had never applied for. Because I am a full-time housewife, I have little economic contact with the outside world, so I have not noticed. Upon inquiry, my ex-husband used my SSN to handle these CARDS without my consent. I first tried to communicate with the bank and applied for a report from the police, but the bank thought that the credit card had used the debit card in my name to repay, so I knew and enjoyed the benefits of the card, so I need to be responsible for the debt generated by this credit card and affect my personal credit. 
Here, I want to emphasize above all, as the credit card bank said the checking account that use to make payments for the credit card is under my name. But I want figure out that is a joint account, so that does not prove that I am the one who take action to make payments and I was awared that I have this credit card. Because the bank 's transaction records can't show whose credit card was paid. Most importantly, I did not apply for these credit CARDS myself, nor did I ask others to help with the application, which was caused by the lax approval of the bank 's own credit CARDS.

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 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have talked to Conn 's several different times regarding our 3 accounts with them. I am in a Debt Program and these accounts could not be included. I worked with them to get the 3 accounts refinanced into 1 account to get payment lowered. We got that to what I thought was a final deal. I received the Promissory Note and Security Agreement signed and with a payment being dueXX/XX/2019. Now I called to make the payment and there was no such account set up but could see that it was being worked on. Well, its still being worked on. I now get 10 calls a day approx. and emails from the mitigation dept and since XXXX all of the accounts with Conns have gone on to hit my our credit and I might add, I had to put a down payment on all three accounts to do this and it was done. Now they are threating to charge off and I haven't even made 1 payment on this refinanced account. They tell me its going to be repaired and yet still waiting and still receiving marks on credit. Not sure what else to do. Please help me. Sorry it wouldn't allow the whole refinance document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation

Complaint narrative:
I missed a payment with PHH and setup a payment plan after at least 4-5 calls with them. I had to go through a 20 min interview to get on the plan. I explained to them that I needed the due date to be closer to the end of the month and they said they would change it. 

When I call to make a payment, sometimes it goes through other times I am told the payment can not be processed and to speak to a representative This passed week, i called several times on Thursday, Friday and Saturday to make the payment. Thursday the line was on hold for over 40 mins so I had to hang up. Friday i was disconnected twice and told I could make the payment online. My account online was frozen so i couldn't make the payment.

I called today was on hold for 40 mins and the CSR refused to transfer me to a manager. I paid my usual amount but am not sure if the reported me as late or canceled my plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Commenity Bank continues to call my parents even after I filled a complaint. On XX/XX/20 they called and told my parents they were going to sue me. This is an illegal tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX   and one is XXXX  XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at unclaimed.org which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. I reached out to Bank of America. Supposedly they investigated it and stated that they do not have the money in the accounts. I gave them all social security numbers for them to verify. They did not notify us when they took over the banks in reference nor did they turn the funds over to unclaimed property. These accounts have funds in them and Bank of America has them. If they had turned them over to Unclaimed property I would be able to see the funds. I would like access to these accounts and funds. Is this how the banks make their money by holding onto old accounts and not releasing them? I have tried working amicably with Bank of America but this is a little ridiculous that they are allowed to close a case without turning the funds over to unclaimed property so the the correct property owners can claim it. 
thank you

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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
1 ) The mortgage servicer Shellpoint Mortgage Servicing has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX RMA application was submitted 37 days prior to the sale date of XX/XX/2020. Shellpoint Mortgage Servicing stated that no additional information was needed, and that the modification would be processed properly. However instead of processing assistance application, Shellpoint Mortgage  entered a sale date of XX/XX/2020. 

2 ) Shellpoint Mortgage Servicing confirmed that XXXX XXXX modification application was complete ; however, within 10 days began to request additional information, specially a Profit and Loss form. The Profit and Loss statement has been repeat sent ; however, Shellpoint has not postponed and canceled the scheduled sale date as they indicated. they would. Shellpoint Mortgage Servicing has not honored their statements or agreements. 


3 ) Shellpoint Mortgage Servicing improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sat XX/XX/XXXX, I attempted to use my Chase Visa # XXXX At XXXX XXXX & was very surprised to learn I only had a few hundred $ available. I then used my ATM, & when I left XXXX XXXX, I called CHASE VISA & per XXXX at Chase card services - on my account # XXXX my payment of {$5500.00} ( that I made Electronically from my checking account on XX/XX/XXXX ) did not come in until XX/XX/XXXX, was not posted until XX/XX/XXXX, and then was reversed stop payment XX/XX/XXXX! XXXX supervisor, XXXX, refused to take my call because we do not honor the stop payment The payment teams dont handle this type of concern per XXXX. ******** After worrying all weekend, I attempted to follow up with this problem with Chase fraud recovery investigation, on Monday XX/XX/XXXX, XXXX XXXX ( see attached ) XXXX I only got VM- I was referred to XXXX XXXX XXXX. 
XXXX Was FAR less than pleasant OR PROFESSIONAL saying WHOA!! That sounds like a real mess!!!! You owe {$29000.00} too!!!!! Yelling at me. My response was, no I dont. And I hung up on XXXX. 
I then sent an email to XXXX XXXX at the XXXX Ca XXXX Branch & with her investigation, she believes that a {$5500.00} payment was made twice to CHASE VISA # XXXX. Thus, I called CHASE VISA back this morning, initially spoke with XXXX & eventually a supervisor again ( XXXX who apologized for the inconvenience ) & I explained to XXXX That we have gone far beyond INCONVENIENCE!!! That ALL that ANYONE had to do for me on Saturday XX/XX/XXXX, had to do was LOOK AT MY TRANSACTIONS & they would have SEEN WHAT HAPPENED instead of causing me so much anguish, anger & worry!!!!! I do not understand why CHASE BANK IS INTENTIONALLY TRYING TO RUIN MY PSYCHE & my LIFE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is reporting an account on my credit report and I disputed the account because I don't think it mine. I asked for validation and is not getting a legitimate response, and it has been over 30 days. 

They keep telling me about a balance but is not sending any valid proof that I am responsible for this account or if I agreed to the charges. 

Account nunumber is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am the victim of excessive fees on debits and charges. No matter when I make transfers to cover incoming charges or debits I get fee 'd. Most recently there was a debit and a preauthorized charge on XX/XX/. I made transfer to cover the XXXX and 25.ish charge and got hit with two fees today the XXXX of XXXX. I have made numerous phone calls to branch mgr that said she would help until we find out what's going on but, my calls are ignored.

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 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
Getting too many credit companies trying to open things in my name and another person who is not myself ' name. 

I own a place that I rent to a tenant and I got several applications for credit cards in the name of XXXX XXXX. I believe this is a fraud and it will keep happening if not addressed. 

I have contacted the credit companies that are sending information to this address but want to let you know about this.These companies were XXXX XXXX, One Main Financial, and XXXX all w/ my address and XXXX XXXX 's name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Report XXXX XXXX Name incorrect as posted by both of your incapable agencies! I do not have a XXXX [ which has been presented to Experian by an inept CFPB nor am I a 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 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed! 
After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX  ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX  ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account. 
Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them. 
I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.

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 2020-02-03 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: IL

Complaint narrative:
I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. 

I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. 

Accounts reference is : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX? XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2020-02-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have just Today received from XXXX regarding a situation of what I believe to be tax evasion??? I received this 1099-A form today re : a terminated ( upon illegal foreclosure on XXXX ) this statement attached showing that XXXX XXXX XXXX  to be the lender now ( this keeps changing over the past few weeks ) It appears that XXXX is trying to avoid paying taxes on this closed account while reporting it as follows to Equifax as being behind 2 payments : CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Also see form 1098 look at ID numbers. is attached This was closed upon the illegal foreclosure sale on XXXX and also see the attached 1099-A form showing a different ID number for the IRS. What the XXXX is going on here???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Summary of dispute : On XX/XX/2020, our Chase credit card was stolen while vacationing in XXXX, along with somehow learning our PIN, then within a few minutes, used by the thief for two cash advances totaling {$1400.00}. The theft was reported by telephone within 30 minutes of the theft to Chase, and again we spoke with another representative within an hour. On both occasions, the Chase representatives assured us that we would not be responsible for payment for the cash advances. 

Then, despite six attempts to resolve this issue with Chase via email and by submission of affidavits, Chase insists on holding us responsible for the two cash advances plus interest accrued. We also offered to negotiate a reduced payment, but again to no avail. 

CFPB, we appreciate any help that you may provide us. Regardless, we would like to prevent future Chase customers being treated in a manner that we feel is fraudulent and not compliant with federal financial protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Due to this taking 3+ years of my life to try to correct the mistakes that these credit report companies have done, I am not going to list the multiple calls & multiple letters ( the letters included copies of their reports & each companies letter every time I sent them ) to correct the problems with them all. Now, the only credit report company I still have problems with is Equifax. They still have 6 companies that they still are refusing to remove from my credit report, companies that are 10 or more years closed & that I have sent letters from those companies stating the accounts were closed. Equifax also will not give any information on me to any company that requests a credit report on me, they say they can't find me. Enough is enough, this needs to be fixed ASAP.

Kudo 's goes to XXXX for quickly removing all of the incorrect or outdated info from my credit report. The XXXX  & XXXX  companies did remove the incorrect & outdated info in a timely manner. I just want my life back & not have to deal with any more. Please help me!!!!!

Company response to consumer: Closed with non-monetary relief