vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 


This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2017-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I recently got scammed by a person named XXXX XXXX from XXXX who asked me to transfer {$4600.00} to another BOA Account holder ( XXXX XXXX XXXX BOA Account : # XXXX ). I did an online transfer, but XXXX is not satisfied, & asked me repeatedly to cancel transfer & do cash deposit by physically going to the bank. I called customer service twice ( On Friday, XX/XX/XXXX, XXXX XXXX & XXXX XXXX CDT ). 1st CSR told online transfer ca n't be canceled. 2nd CSR,  however, told transaction is successfully canceled and money is refunded back to my account. XXXX Account balance is {$9100.00}. PROVIDED WRONG INFORMATION.Please see the attached cell phone conversation recorded ad forward to XXXX to hear 2nd CSR voice. 

Went to BOA Financial center On Friday, XX/XX/XXXX at XXXX XXXX CDT to withdrew {$4600.00} cash. Available balance according to receipt {$4500.00}. At XXXX XXXX CDT deposited {$4600.00} cash to XXXX XXXX XXXX BOA # : XXXX. I have deposit slip. 

On Saturday, XX/XX/XXXX logged in BOA Account and noticed Online Transfer was not canceled and {$4600.00} is transferred twice to XXXX XXXX. 

BOA has opened a claim request # XXXX and they will request the recipient to refund the 2nd {$4600.00} he received!

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 2017-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I received a home equity loan in XXXX from XXXX XXXX XXXX, I lost my job, and could make payments my wife became very ill and had to be placed under XXXX nurse care. Her income was removed from my budget. I was attempting to get a workout Modification I mailed many documents and the next i new was i had a sale date for foreclosure from XXXX XXXX I am also questioning the loan trust, and the assignment being used I asked the my foreclosure be held in a courtroom by a judge. I revoked the power of atty that i gave at the origination of my loan. this power of atty was revoked in XXXX Co XXXX on XXXX XXXX XXXX. I SAID THE BORROWS WAVIER OF RIGHTS without understanding.everyone is entitle to due process of Law, but i was forced to give up my rights. i do not want my home sold on the courthouse steps

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.

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 2017-10-14 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.

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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: PA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

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 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
Ok, twice I got time out ... very upset ... your system does not offer to save a partially finished file ; I suggest you do this immediately ... 

I am blocked from a new account at US bank, XXXX XXXX, and XXXX XXXX both in XXXX XXXX, Ca ; the first at XXXX on XXXX XXXX, and the other 2 blocks down XXXX XXXX. 

They lied and said they could not pull up my account ; they refused to let me withdraw ; or show me the screen. 

I have 24 accounts under XXXX ; and several relatives that are XXXX ; XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ; there are other names for XXXX   relatives ; in all $ XXXX ; so I need the branch to order XXXX certificates asap ; I am willing to sign a release for DMV, DOL, plus I had an old mrtg loan in XXXX to verify my signature. 

I showed my id, and tried to get them to help me, and I believe they are committing these crimes ; identity theft, with fake id, tax evasion, racketeering, and XXXX, XXXX from XXXX to be deported ; and in the other branch ; XXXX from XXXX, and other XXXX XXXX back on the boat to XXXX!!! Deportation, Work Violations with immigration!

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 2017-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A check was written to me and my business from a Wells Fargo account and it was intercepted by a now convicted felon who is in custody of the NJDOC for XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : Purposely XXXX XXXX XXXX XXXX XXXX /2 The check was cashed by him and deposited into his business account. The law firm that owned the account closed the account shortly after this event and was no help in resolving this matter. I filled a complaint against the law firm, XXXX XXXX XXXX XXXX, XXXX, with the New Jersey Ethics Committee. As of this writing, I have not heard anything on the matter and have no idea what the final outcome was. The check was written XXXX/XXXX/XXXX. I handed over all my files to the FBI office in XXXX, to Agent XXXX XXXX, the agent on duty and she stated she would forward them to the appropriate agent/department. XXXX XXXX is the individual that cashed the check, and I can not understand how any teller would allow this unless they were involved or culpable in some way. I did not ever have any access to the check nor did I endorse it over to him. I have never been able to cash or deposit anything that was not made out to me unless it was signed/endorsed by the recipient first. XXXX XXXX, XXXX XXXX, and XXXX XXXX wife were charged by the NJ State Attorney Generals Office and there are numerous charges levied against them in the State of New Jersey court system. 

This was a real estate transaction and as a result of this theft by XXXX XXXX and his partner in crime XXXX XXXX, I am out of {$60000.00} which is outrageous. 

All documents are attached that I feel are relevant, factual and authentic. Some of the documents are official government documents which should leave little room for speculation or doubt. The check image, NJ State Attorney General public document, XXXX XXXX NJDOC incarceration record, NJ Ethics Committee documents and other supporting files.

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