vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: One Way Loans LLC dba PowerLend
State: CA

Complaint narrative:
I signed up to have my payments deducted on the XXXX of the month as I am a XXXX   employee and I only get paid once a month. For a year it was going okay. Then they started deducting on different dates. In the month of XXXX they deducted on the XXXX and again on the XXXX. The deduction on the XXXX was for my XX/XX/XXXX payment. This early deduction caused a NSF in my checking account causing overdraft fees and leaving my wife and I without money for food or gas for 2 days. The after effect is still causing me problems two weeks later. 
It has taken many hours on the phone with them getting me know where. Their additude is yea we should not have done it but it was only a few days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I contacted Chase credit card services in early XXXX to dispute two charges made on XX/XX/2019 for XXXX because the service that I signed up for was not being provided. Chase provided a temporary credit for these charges and on XX/XX/2019 at the Chase representative 's request, I faxed in documentation ( with the case number ) as proof that I was being denied/not receiving the service. I waited for an update from Chase and never received one. When I noticed that the charges reappeared on my statement, I again contacted Chase and was told it was because I never submitted any documentation ( which was not true, the fax confirm sheet is attached ). I was told to reopen the case by again faxing in a new letter and documentation which I did in early XXXX XXXX. I also loaded it to Chase 's Secure Messaging system, not trusting their fax processors. In spite of my providing documentation/proof that I was not receiving the service that I paid for, Chase told me that it was siding with the merchant because the merchant told them they would be willing to provide me with the service and doesn't provide refunds. I am not receiving the service that I paid for and now Chase ( XXXX, a supervisor I spoke to on XX/XX/19 ) is telling me it is too late to to do anything about it because it is outside of Visa 's 118 day dispute time limit. Chase repeatedly dropped the ball throughout this process, never considered/processed my dispute or submitted documentation in a timely manner and is ultimately trying to stick me with these bad charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 my father sent me XXXX $ to get my son some food, Wells Fargo took XXXX $ of that for a monthly maintenance fee i had no clue about so i had to call to get it resolved. Then Today XX/XX/2019 i went to the store to purchase a couple items and i found out my card has been cancelled. Wells Fargo Cancelled my card without notifying me and without my consent.

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 2019-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
So I have been trying to open a savings account with Citibank for the past 2 months. I used their online, and by phone services because they do not have branches here in Arizona. I can't even begin to explain my frustration with this company. 
The first time I attempted to open an account, I got it funded and when I didn't receive my welcome packet, I called them- several weeks went by and all of a sudden I received a XXXX check from them- which was my funding amount along with a letter saying I didn't respond timely to something they'd requested. No phone calls or emails to follow up, just a flat out rejection of my funds and a return of my check. 

XXXX me, I decided to start over with them and open another account. So I funded it again and monitored my emails like a hawk, hoping not to miss anything. I sent everything as requested, and promptly did so. 

After a few more weeks and still not receiving my welcome packet, I called them again. This time I was told that because I listed my work address as my home address, they were going to close my account. I explained that I only did this because I had had mail stolen at my home, and wanted to make certain nothing was EVER mailed to my home. I also explained that I own my own business and ALL my mail comes here. Did they even listen- saying I couldn't correct this and said my account would have a hold on it, and would be closed and I wouldn't have any access to the fund, for a period of time. 

Now weeks later, my funds are still frozen. They will not open my account, nor will they close it and return my funds. I am in complete limbo. I have wasted countless hours on hold with them and now am at a very high frustration level. Just today, they told me that they would try and expedite things, either to open it, or close it and send me my money back. I told them to please call or email me on the next business day and let me know. They said, we won't notify you, but you must call in and try and get someone here to let you know!!!! VERY DISTURBING!!!!! 

Thanks for listening, and I hope you can let Citi know they need to make some serious changes with how they do business.

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 2019-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am complaining about SPS because I sent in a RMA form for a loan modification in XX/XX/2019 and they refused to send me a loan modification package. They refused to give me a package and told me they were going to call XXXX XXXX and put my house in foreclosure on XX/XX/2019. SPS is committing dual tracking and I want them to give me a loan modification as soon as possible. They must follow government guidelines. I have an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2019 at XXXX : XXXX I called XXXX XXXX XXXX XXXX about a credit alert I received. It stated that I had a closed account ( charged off as bad debt profit and loss write off ). I explained to the person that I had not received any letters in the mail stating that I own {$110.00}, if i did I would have payed that off. I then told the person that the banks actions have affect my credit score negatively, what can we do about this. She stated If you pay the {$110.00} we will remove it from you credit, I agreed and paid the account immediately. as of XXXX. The account is still on my credit as unpaid debt. I've held up my end of the agreed upon action but not them.

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 2019-06-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is against CHASE BANK and all 3 credit bureaus ( XXXX, XXXX, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this Chase business card under a company I worked for called XXXX XXXX. But alas later at the mid-XX/XX/XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : CHASE CARD ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX    , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case Chase Bank and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that Chase Bank dont remove fradulent account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Receive on average two calls per day asking if I am -some person 's name- and if so press! otherwise I am to ignore call. The name changes on each call and is never mine. This has been going on for several months now. My phone number has been on the national do not call list since XX/XX/2018. I have no debts except my mortgage which has never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I received a phone call on XX/XX/XXXX at XXXX XXXX while driving home from work. The call was from a collection agency notifying me that I owed money from an unpaid utility bill in the amount of approximately {$160.00}. They mentioned they had sent a notice via US mail, I asked what address it was sent to and they gave me an address at which I've never resided. I supplied them with my updated address and they were going to send me bill. I mentioned I was not able to give them any payment information at the moment since I was operating a motor vehicle. 

The morning of XX/XX/XXXX I checked my credit report and noticed the collections agency had reported the account to the credit bureaus. I still had not received a notice in the mail so I tracked down the number of the agency, Radius Global Solutions, from the credit report and paid the debt of {$160.00}. They mentioned they would report the debt as paid to the credit bureaus, however I'd like collections account to be removed entirely from my credit reports since the debt was paid within a week of actually receiving notice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: OR

Complaint narrative:
Located this collection on a recent review of my credit report. According to the report Credit Management LLP started reporting in XX/XX/2019. On, or about, XX/XX/2019 I called this company to inquire on the origination of this debt and the amount owing of {$340.00}. The representative indicated this was a past due XXXX bill and that i was notified via mail in early XX/XX/2019. I told the representative that i was unaware of any amounts owing to XXXX and that i received no notification from anyone regarding this collection. I asked for proof mailed to me at the address of record ( which was verified ) of the origin of this debt. 

As of this writing, i have received no communication from either Credit Management LLP or XXXX regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: AL

Complaint narrative:
I mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: MO

Complaint narrative:
Payday loan company DBA as XXXX and collecting as " PLAZA SERVICES '' inflated original debt of ~ {$400.00} to over nine hundred, and re-aged account at least once to XX/XX/XXXX.  Account has XXXX of XX/XX/XXXX. May be fraudulently verifying inaccurate account details to XXXX, et al.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: LA

Complaint narrative:
YOUR COMPLAINT I applied for this installment loan on XX/XX/XXXX2019 for the amount of {$800.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 646.25 %. 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XXXX/XXXX/19, & XXXX/XXXX/19. A total of {$480.00} I closed this checking account because I had taken out several of these in the middle of a gambling spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX problem and am in XXXX and XXXX   XXXX. I am getting help for this problem. 
I have contacted MyLoanSite and asked for a settlement. They will not accept less than {$1100.00}. Making me pay a total of {$1500.00} for a {$800.00} loan. I was told that I could pay {$180.00} per month for 5 months and a final payment of {$170.00}. I am asking for a more reasonable settlement or lower monthly payments as I can not afford to pay {$170.00} per month. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VT

Complaint narrative:
I am having Issues with the mortgage company Ocwen loan servicing and also Phh mortgage   company. My first complaint was answered but not completely solved. this has been the most aggravating process since XX/XX/2019. I am looking for help to solve the problem of making payments and making them for the correct amount. every time I call the mortgage company I get the run around and I am told to call back in a week. I have asked for correspondence to reflect my current payments so I can start to make payments, but no one can tell me what my monthly payment should be. They have sent my payments back several times claiming they are not received on time, which is a lie and I have tracking numbers to prove it. I need to have a brand new loan modification done to satisfy my problems. I need to be able to make payments, I can not wait and wait and then come up with a huge amount of money. I have lots of financial bills to be paid and while the mortgage company doesn't take my payment, i will pay some one who will. 
there needs to be something done, I have been waiting two weeks now and still no answers, I received correspondence saying to please be patient they are still working on it. this is nonsense, how can a company function like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : XXXX Credit Card Was paid in settlement to XXXX  XXXX XXXX XXXX XXXX but still the Credit reporting agency Experience is not correcting the profile showing as STATUS : '' closed {$620.00} written off " spoke to XXXX they transferred XXXX to XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX who informed me that the account is paid off to XXXX @ XXXX XXXX XXXX XXXX. 

after speaking to Experience telling them the said account is paid off and informing them of all various agency contacted still nothing is being done by them to correct my profile.

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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a phone called from a third party phone number XXXX-XXXX-XXXX who told me to hold someone want to talk speak with me it ... .. it was debt collector attempting to collect a debt from JCPenny which I was told if I did not pay the amount in full I would be arrested.. however this debt collector is not authorized to collect debts in the State of Texas..The person on the other end of the phone was speaking so fast I could not get the completed name of the third party company that was use by this particular collection agency.. I told the them I was going to report to the FTC.. because I consider this harrassament. The person at the said number ask to be reported to the FTC so I am..

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 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
Recieved 2 derogatory marks on my credit report never heard or recieved a letter from the company about the account to dispute.

Company response to consumer: Closed with explanation