vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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:
There was a lien/freeze put on my checking account by the XXXX District Attorneys office. They called Chase legal department about 10-14 days to have the lien released. This past Monday I called Chase legal dept and was told the issue would be expedited and lien would be released within 24-48 hours. Today is Friday and the lien is still on the account - I spoke with the XXXX DA office and they spoke with chase legal dept about 2 hours and were told that they are working on it. 
My funds are being held illegally at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom this may concern, I am writing this letter because I have tried numerous times to resolve the issue of late payments during hardship that were reported on my credit report. XXXX was called and verbally told that I was unable to pay the credit card debt at the time because I lost my job due to Hurricane Harvey. I was unable to work. They continued to ask if I had a family member or someone who could help me pay, but I did not. At the time, I did not even have a place to live or a car anymore. I am not only taking care of myself but XXXX young children as well. I was also in XXXX at the time. The first representative I spoke to over the phone, who was female, was very nice and understanding. The second representative, that was a man, was very rude. He was disrespectful especially being that I had already told him and the lady before him everything I could. I told them both that I would be able to make a payment by XX/XX/XXXX. He began to get personal and ask me what would change between the time of his call and XX/XX/XXXX. He even asked where I would get this money from. I tried to explain my situation the best I could, but when he raised his voice, I had to hang up the phone. With all that being said, I stayed true to that promise. I was able to make a payment on XX/XX/XXXX and by XX/XX/XXXX, the debt was completely paid off. These representatives did not note my account of me being in a hardship or even provide other options of other routes ( lower monthly payments, lower interest rate, etc. ) to work out an agreement to save my account or protect my credit. Not only was my account closed, but I also had to pay late payments between XX/XX/XXXX and XX/XX/XXXX. 
For the last two months, I have been sending letters and emails in hopes of having these late payments during the dates of XX/XX/XXXX and XX/XX/XXXX removed from all three credit reports. The account is now closed and paid off. I have only received one letter back stating that they could not dispute accurate information, however, this information is not accurate. I do not believe they have done the proper investigation with my account being that I let XXXX know I was unable to pay due to loss of job and home because of Hurricane Harvey. I have attached bill statements to correspond with my promise to pay by XX/XX/XXXX as well as the letters/emails sent for the request of late payment removals. Dates are included on letters. All personal information is blacked out due to privacy.

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 2018-04-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have filed a dispute didn't get back response beside the point its a company card that i was never a pert off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX  and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with XXXX and they still will not remove the file from my credit report! XXXX and XXXX took the item off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I'm disputing this charge because it does not belong to me and I never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My residence is in XXXX Maryland. I purchased in XXXX and my lien holders have been XXXX Bank, XXXX, XXXX XXXX, current lien holder is OCWEN Loan Servicing, LLC and now, handing over my title to XXXX. I lost my job in XXXX due to an auto accident and since that time I received short-term disability assistance payments from the insurers/my policy ( through them ) ; then they denied my permanent disability coverage. After receiving disability award from XXXX, I have been trying to modify my loan with this company to no avail ; in XXXX there was an attempt to forclose, but that was dismissed. Since that time I have been on OCWEN 's trial modification since XX/XX/XXXX through now. I received a letter on XX/XX/XXXX that my account was in default. I called for an explanation. On XX/XX/XXXX I received an escrow disbursement check from OCWEN. On XX/XX/XXXX I received a notice of intent to foreclose and an instructions for appeal, deed-in-lieu, and lastly short-sale. I have as of this date informed OCWEN by phone and letter of my request of appeal. I am in need of further assistance to maintain my home. I am a disabled independent.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has repeatedly called me for almost 8 years, as well as mailing threatening letters. This is in regards to an electric bill debt with XXXX XXXX, OH from XX/XX/2008. They call with various out-of-state phone numbers. When I block one, they just call with another. Lately, they have called me almost daily from XXXX. They have called from this number 10 times already this month. This is harassment on a debt that is 10 years old and I would like all communications from this company to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent dispute letters multiple times via certified mail to have this item deleted from all credit reporting agencies. I am being sent information that is not validation that the debt is indeed mine according to the law. A statement of charges and/ or a balance on a letter head is not sufficient documentation of validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.

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 2018-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 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: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
Well known how idiotic and clumsy XXXX  is!!! Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!! I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!! ALL this negative garbage already in my credit reports. This is tortuous XXXX  trying to scam my credit report with duplicated garbage!!! PLUS, XXXX  criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new XXXX  account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct XXXX  have malignantly created a new phony collections ( same ) debt already reported 3 years ago. These vile derelicts at XXXX XXXX have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX Mortgage made an error back in XX/XX/XXXX when it paid taxes to XXXX XXXX using applicant 's Escrow Funds. Taxes should have been paid to XXXX XXXX XXXX where property address is located XXXX XXXX TX XXXX ). 
Taxes were incorrectly paid to property address : XXXX TX XXXX by XXXX Mortgage using applicant 's escrow funds. This property address belonged to applicant but that was sold back in XX/XX/XXXX. This property was purchased/owned under the maiden name. 
XXXX XXXX XXXX XXXX confirmed that a payment was made by XXXX Mortgage. XXXX XXXX XXXX XXXX XXXX confirmed that overage payment was made by XXXX Mortgage. The new property owners also paid tax payments on that property XXXX XXXX TX XXXX ). There is now overage in payment to property XXXX TX XXXX. 

Please see Deposit No : XXXX ( Freedom Mortgage ) for the XXXX XXXX Tax Receipt. Attached are both receipts that confirm there was payment made to wrong property address that is not owned by applicant. This property address belonged to applicant and was sold on XX/XX/XXXX. Both parties XXXX Tax offices XXXX informed applicant that XXXX Mortgage would have to apply for refund of this incorrect payment, as they are not able to refund to the applicant since she did not make disbursement. 
Please see account XXXX : XXXX that was associated with applicant 's for the property of XXXX TX XXXX. This is currently affecting her Escrow analysis and has placed applicant 's in an overwhelming debilitating financial situation that may foreclouse her home when she can not meet new mortgage payment. 
Please see attached receipts ( Spring Branch XXXX XXXX XXXX - {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX Assessor {$4400.00} ). For a total of {$9200.00} multiple phone calls and converstations with Tellers from XXXX Mortgage have been made : Faxes producing Deliquent Bills from XXXX XXXX were sent to XXXX Mortgage on XX/XX/XXXX and XX/XX/XXXX. 
Letters with Tax receipts from address XXXX TX XXXX were faxed to XXXX Mortgage on XX/XX/XXXX. 
XXXX XXXX ID XXXX Geovana Teller ID XXXX XXXX XXXX supervisor ) Teller ID 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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I have sent Apex Asset Management two requests regarding debt that they are saying I owe to them in the amount of {$140.00}. I've asked for evidence, bearing my signatures showing that I owe Apex Asset Management this debt. I have no binding contractual obligation to pay Apex Asset Management any debt at all. I am trying to get this cleared up and OFF my credit report before filing a small claims court action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: OH

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with Equifax and they still will not remove the file from my credit report! XXXX and XXXX took the item off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. 

During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. 

It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. 

I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. 

The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. 

I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. 

The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. 

The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. 

Therefore *I had transferred the funds the, same day they hit the PNC account*. 

The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. 

I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. 

I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. 

My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 

2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 

3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive been working on cleaning up my credit report the last 3-4 months in preparation for refinancing student loans and leasing another car in the next 12 months, however I've been unsuccessful in correcting an error on my TransUnion report. 

I leased a 2016 XXXX XXXX from XXXX XXXX of XXXX XXXX XXXX CT XXXX in XX/XX/2016 and also purchased a 2016 XXXX in XX/XX/2016 from them as well. 

What Ive found is that TransUnion has been counting those 2 transactions as 7 hard inquiries on my credit report ( see attached ). I understand that the credit reporting agencies should have only counted these 7 inquiries as 2 because they each occurred within 7 days of the lease/purchase transaction, but that didn't happen in the case of TransUnion. When I called them a couple of weeks ago they told me that regardless of the way they report it, it counts only as 2 inquiries as far as they are concerned for the purposes of their credit score. They refused to take any further action. 

I recently requested an increase on my limit on a credit card with XXXX XXXX and was turned down in part based on information in my TransUnion report. 

While I understand that all these inquiries may roll off the report after 2 years, I cant wait for TransUnion in the hopes that they do it on a timely basis, since they already have shown a pattern of persistently reporting inaccurate information. 

I have attached a report with the corresponding information.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting  bureaus.

Company response to consumer: Closed with explanation