vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX and XX/XX/XXXX I made 2 deposits into a Chase Atm machine. At the time of the deposits, the bank was not open and I needed to exchange small bills for larger bills. For one transaction, I deposited {$900.00} in small bills ( {$20.00} bills ) in exchange for 9 hundred dollar bills. For the other transaction, I deposited {$400.00} in small bills ( {$20.00} bills ) and did a XXXX  online transfer from an outside account into my checking account for {$100.00}. After the {$100.00} online transfer and the {$400.00} deposit, I withdrew the {$500.00} in 5 hundred dollar bills. After checking my statement, it showed that I withdrew the {$900.00} and the {$500.00} but my statement is missing a deposit of {$500.00}. I contacted Chase and they did an investigation and temporarily provided me the {$500.00} they lost. After their investigation, they removed their {$500.00} and closed my case saying they did not find that deposit. Someone from this company took my money and I would like to open an investigation. 

Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has  calls such a major heartache on me financially and mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details Cap One Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXXnquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While paying for groceries at our local XXXX store the cashier asked if we would like a Walmart card we said no and she said we would get {$25.00} off our bill for signing up and we could cancel if we decided we did not want it.We were paying cash and spending close to {$200.00} so my husband said ok and started giving her the information she needed. I really did not want him to get it and told him but he was paying with his cash so I backed off. This is why I remember this incedent. So when he paid the cash he looked at the receipt and the {$25.00} discount was not on it. She said oh it will come off when we get the card on the next bill, he said that's if I use it, I signed up because I thought it come off this bill, so we left a little upset because we felted miss led. This was last summer I'm guessing around XXXX or XXXX, then forgetting about the incedent we got the Walmart card  and the statement in the mail and when he looked at he said how can we owe this when it just came in the mail? The bill was over a XXXX dollars and I said that's crazy I think they charged us what we paid cash for. No {$25.00} discount was on the statement. So he called them and they wanted proof and frankly never believed us. I started looking for the receipt and I must have thrown it out. So without that we don't have solid proof, so when we asked them for proof of our purchases all they said was they would check into it. From then on it seemed the burden was on as and frankly I feel they ripped us off and they have not shown us proof of purchases yet they say we are uncooperative. We do not want the card asked them to cancel it. They said after investigating they felt we still owed it. That is rediculus. How could we charge anything when it wasn't issued yet and where did the cash go - in someone's pocket. This is exactly why I hate credit cards. We do not owe this and XXXX has lost my affection and respect they are just another ripoff retailer.

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 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has violated the North Carolina Collection Agency Act section 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 805 Communication in connection with debt collection [ 15 USC 1692c ] If a consumer notifies a debt collector in writing that the  consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumer with respect to such debt. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumers cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has made an attempt to call me around XXXX, Saturday, XX/XX/2018 - this is in regards to collect a debt. Any information will be obtained and used for that personal business matter - however, if I remember correctly, we are on a balloon plan with them, so with that being said, this $ XXXX amount of debt owed, does NOT have to be paid, until the balloon payment plan that we are on, is settled and paid off. They call me once every month to remind me that the amount of the $ XXXX debt is owed, yet, we are in the mist, of trying to keep other bills current, and paid. But also last time I checked, we are current with the mortgage payments, so why are they still harassing / bugging for $ XXXX worth of late / misc. 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 2018-04-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I dont underestand why synchrony bank closed my card for purchase and my minimum monthly is increased this bank is a XXXX  bank I ever work with today I wanted to pay off the account and I noticed all these problems I asked for a refund do to a unauthrorzed charges and nothing happened just my account is closed for purchase very odd

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 2018-04-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX  deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with Experian and XXXX  the two derogatory collection accounts have not been deleted, Experian or XXXX investigation method does not equally reflect XXXX  investigations or results.

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 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: OH

Complaint narrative:
I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with XXXX  and Equifax the two derogatory collection accounts have not been deleted, XXXX  or Equifax investigation method does not equally reflect XXXX investigations or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a billing from Collection Agency which consisted of five different creditors under one account number which I assume they purchased and wanted to collect those funds. Immediately upon receiving the billing I responded to them with a validation request. Within 30 days after mailing that request I received one document from them for only one of the creditors. Approximately sixty days after that I received documents for two more of the creditors and a letter with those documents acknowledged receiving my initial validation request. Although unnecessary I mailed them another request for validation for the last two creditors. It has now been approximately 45 days since I sent the second validation request and they have not received anything. The way I understand it is a Collection Agency has to comply with a validation request within 30 per the Fair Debt Collection Practices Act and this Collection Agency has only complied with validation of one of the five creditors listed. I just a week ago mailed them a Cease and Desist letter and with it I did assume responsibility for the one creditor they validated within 30 days. I am preparing a follow-up letter to the collection agency to see what their intentions are. 
I am XXXX years old and retired. I receive a monthly Social Security Benefits. This company has taken a toll on me by not communicating and making me wonder what they are going to try and do next. In the Cease and Desist letter I informed them they are in violation of the Fair Debt Collections Act, Section 809 and 813. 
What do you think I should do next?

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 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in

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 2018-04-08 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

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 2018-04-08 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

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 2018-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
In XX/XX/2017 I was hand delivered a legal Foreclosure Notice by a debt collector in New York State. The Plaintiff is identified as XXXX XXXX XXXX XXXX XXXX ( XXXX ). The debt collector is identified as the " law Firm '' attempting to Foreclose on my property. 

I am questioning if the debt collector bought the debt can he legally use the bank 's name as the Plaintiff on the Foreclosure document? 

Second question is if he didn't buy the debt, must he obtain authorization from XXXX  to pursue the Foreclosure action in court or can the debt collector file the Foreclosure document on his own and be the beneficiary of owning the home if his court case is decided in his favor? 

Clearly, foreclosing on a home is not collecting a debt, which is monetary. 

I'm in court right now, since XX/XX/2017, fighting the Foreclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Report Agency Is reporting this XXXX XXXX XXXX on my account for XXXX. This account is dated XX/XX/XXXX. It should have been off my credit. And on Experian 's website it said the item was to be reported until XX/XX/XXXX. Yet they reported it XXXX XXXX as a negative report on my credit. And it is still on my credit report. If it is set to fall off my report why would they re-report it. And the fall off date of XX/XX/XXXX. Mysteriously disappeared off of Experians Website. This is illegal this item is way past the date it is supposed to come off. Every other credit bureau. Has removed this item except Experian. And I want them investigated this is illegal. And I want this item removed immediately.

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 2018-04-08 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX. 
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature. 
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report. 
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature. 
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me. 
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation