vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I lost my phone and wallet on XX/XX/XXXX. After three days my cell phone was returned to my place of work but no wallet was returned. So I called Chase to cancel my card but was unable due to the fact that I did not have my card or account number readily available. I proceeded to go into Chase the next day and report my card stolen and to stop any transactions that had taken place and immediately file a claim. While in the bank and reviewing my statements we found many unauthorized transactions had taken place, numerous withdrawals were made earlier that very day. On XX/XX/XXXXthe unknown party deposited two checks ( # XXXX and # XXXX ) totaling {$5300.00} into my account. Later that day they proceeded to withdraw {$1400.00}. On XX/XX/XXXX they withdraw {$1400.00}, {$500.00} and sent a quick-payment of {$2000.00} with XXXX through my Chase.com account to an individual named XXXX XXXX who I've never met. I then filed an identity theft report with the XXXX XXXX XXXX XXXX XXXX  police department. After weeks of waiting I followed up with Chase to learn that they had denied my claim due to the fact that the party involved had used my pin number to access my account. After about 3-5 separate calls to Chase 's fraud department they told me that there was nothing else they would do about the situation and that I would now have to followup with an outside agency. After asking 3 different representatives of Chases 's fraud department they insisted that they could not even provide me with the name of the agency that I needed to speak with and just keep insisting that I speak with an agency outside of Chase bank. I thought this to be horribly unprofessional as I was already in a stressful situation and was just looking for a way to recuperate my losses. I reopened the claim and received a temporary reimbursement. After one week they reversed the money again to make my account negative {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Home Credit Corp. Inc.
State: NC

Complaint narrative:
I had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX  ... XXXX XXXX  nc ... XXXX  in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX  home credit and call the main office in XXXX   nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST.

I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! 

They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. 

After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review!

I have included THREE website links for you to see for yourself ( XXXX, XXXX  and Consumer Affairs ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. 

Then, SLS should be SUED for making so many people 's life so miserable! 

Thank you! 

XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX XXXX XXXX ) 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 2018-06-01 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am in the process of buying a home. In the process I learned that after settling my Mariner Finance account Mariner was still reporting unfavorable. I settled my Mariner Finance account via a collection agency. I received a letter from the agency stating it was settled as of XX/XX/XXXX. I reached out to the creditor ( Mariner ) on XX/XX/XXXX in effort to have them update the bureau. The young lady that I spoke with on XX/XX/XXXX advised that I dispute with the bureaus. I have disputed this twice last dispute request was in XX/XX/XXXX. Mariner updated with a balance and delinquency that has been settled.

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I'm trying to set up a budgeting and overdraft protection service, and CapitolOne will not let me. They are blocking all external applications. This information is mine to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Placed initial fraud alert with Experian. Received letter from Experian with phone number to call to get complimentary credit report. Phone number has automated message with no option for complimentary report, only option is to purchase for {$12.00}. Tried Experian website to get fraud alert related complimentary credit report -- no option there either. All phone numbers I could find to Experian had the same automated message, no option to get credit report except pay {$12.00}. I thought placing fraud alert includes free copy of credit report?

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 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Experian several times via phone, online and via first class mailings on many occasions in regards to 2 accounts that i have never did any business with and did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively.I am trying to refinance something on my credit report, and it makes it difficult when they're checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over. The company needs to either need to send proof of validation or it needs to be removed.These account does not belong to me.The following accounts that are reporting are : XXXX XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX with a balance of 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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Blocking me from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is the owner of the student loans I have, XXXX. I pay some and others are in forbearance. They still report negatively to my credit report monthly and its the only thing KILLING MY Score and all accounts are in good standing!

For the last year and 1/2. Please help us make this stop!!

Its bad enough interest is through the roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: KS

Complaint narrative:
cra voilation sent the ftc inaccurate information no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Moneygram cancelled my account with no explanation! I am an american citizen with family in XXXX! I send money regularly and after 2 years of sending money to them they cancelled my account. When I called them for an explanation the were rude and provided no explanation! This company should not be allowed to do business in the great state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: LA

Complaint narrative:
hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded

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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I paid off the balance on my Bank of America card in an attempt to become debt free.

I was passed in to a Specialist and that person tried to get me to stay and I refused. He then said I see you have another card with $ XX amount on it. We can transfer that balance for you.

I asked him how did he know that and he explained that since I have a card they have access to my report.

Question : is he supposed to use my credit report to cross sell me into maintaining an account that Im trying to close?

I told him to close the account and that I was not interested.

Today,XX/XX/XXXX, I received an email about my account that prompted me to look at the card. When I went online I noticed the account is still open with my same limit!

My wife and I are Military and will be XXXX  soon. We paid off things to clear and restore our credit.

I feel betrayed because I trusted they would do the right thing and its almost 3 months and the limit has been setting on my credit. It is potentially impacting my score

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 2018-06-01 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: KS

Complaint narrative:
cra voilation sent the ftc inaccurate information no knowledge of

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 2018-06-01 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: KS

Complaint narrative:
cra voilation sent the ftc inaccurate information no knowledge of

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 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I signed a mortgage with SoFi, which closed inXX/XX/XXXX.

SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX   does not have electronic statements.

Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more.

I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX  for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX  had told me to file another complaint and if it is denied he will be taking over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I refinanced my mortgage with XXXX XXXX currently know as CIT in XX/XX/XXXX.It was an ARM which reached its peak at 4 %. I have been paying my mortgage and am not behind however I received an escrow analysis which says I have a shortage of $ XXXX.

I tried to pay my regular amount of {$2500.00} and the mortgage company charged my bank account {$23000.00} and other like amounts for the past 2 months rendering me responsible for cancellation fees with my bank and rendering me unable to pay other bills until it was cleared up. I only authorized the payment of my monthly mortgage and escrow which is {$1600.00} principal/interest and {$950.00} escrow a total of {$2500.00}. It would only allow me to pay {$22000.00} this month which I do not have.I have submitted a letter to XXXX to let them know that this is causing me a hardship.This loan is predatory as best and I believe that I signed it out of desperation to keep my property and now when I am stable they want me to pay {$4100.00} a month or the lump sum of {$22000.00} which I do not have.The new monthly escrow amount {$1800.00} is more than the principal and interest as mentioned {$1600.00} They deferred {$100000.00} in a balloon payment and the total mortgage owed is $ XXXX. I do not know how I got the surplus in my escrow because I thought when I refinanced I was starting fresh again.I find this destabilizing my ability to stay in my home in my senior years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting an collection with a company called XXXX XXXX   account # XXXX  This isn't my account, shortly after Equifax had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to a Citibank promotion to open a checking account, I followed the three steps to obtain a {$300.00} bonus, namely : 1 ) Make a qualifying deposit of $ XXXX  2 ) Maintain that $ XXXX  balance for 60 days 3 ) Completed one qualifying direct deposit for 2 consecutive months.

I opened my account in late XX/XX/2017, and set up my paychecks to send {$250.00} twice a month to the account. I have maintained that practice to this day.

After six months of leading me along, with multiple Citibank representatives telling me that I had qualified for the bonus and that it was just around the corner, they are now saying that since it took more than 30 days for my direct deposit to start working, I failed on this technicality to obtain the bonus that I had earned.

The original advertisement did not contain any such language, and subsequent materials Citi has shared does suggest that they have a time limit for the initial direct deposit. However, multiple Citi representatives failed to relay this information over the first six months of this account, making my rely detrimentally on their promises ( which they continue to make ). I would like receive the bonus I earned in good faith.

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 2018-06-01 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
The collection company, XXXX, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they never responded.

Their failure to respond is a violation of the FDCPA per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court, XX/XX/2004

Company response to consumer: Closed with explanation