vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: FL

Complaint narrative:
XXXX   and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically.  XXXX   XXXX  is the collection agency and the original creditor is   XXXX   XXXX   for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: GA

Complaint narrative:
the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
My automobile lease maturity date is  XXXX / XXXX /  XXXX  . I paid  XXXX  's payment in full on  XXXX / XXXX /  XXXX  . No other monies should have been due from me and I scheduled to turn the vehicle in by  XXXX / XXXX /  XXXX  . However, Southeast Toyota Finance still sent me a billing statement dated  XXXX / XXXX /  XXXX   indicating I owed another full payment due  XXXX / XXXX /  XXXX  . When I called to inquire about the amount due, I was told I did not owe anything. I asked the lady why the statement was sent to me and she said that it happens on all leases close to the maturity date and that people often pay the amount and then have to go about requesting a refund.   I am submitting this complaint because I think it is a terrible practice to ask for payment from a consumer that is not due. Additionally, it sounds like a KNOWN practice and Southeast Toyota Finance should implement controls to ensure it does not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recently, I have been trying to link my account  to a business account with Chase. I 've received multiple calls and I have been updating Chase on wh at has been happening with my accounts. My business account told me they were running trials to see if they accounts were able to link.     Today,  XXXX   XXXX , I called  Chase to see what was going on when I realized I did n't have access to my account online. After calling them and seeing what was wrong, they decided to close my accounts and end business with me. This is not only disappointing but really upsetting when I have been calling Chase multiple times throughout these past two or three weeks. Interrupting my studies with sc hool to go over what 's happening again and again. They said this decision is irreversible and there are no actions that can be done.     Here is my issue with that : my parents have   Chase and they are Chase Private Clients as well. They need me to be with Chase and to use it so they can send me money to pay for rent. This is not only an inconvenience to me because I have rent due in 4 days, my bank suddenly decides to end their business with me right before is absolutely unprofessional. Not only do you jeopardize my living situations but you also jeopardize me being able to live. I am a broke college student, I have no money ... my business accounts were helping me make progress with my life. It 's absolutely disheartening to see Chase has made this move against me when I have valued Chase since my parents have joined.
There should n't be a reason that this is happening because I 've been updating Chase and what 's happening to me. The timing is so bad, especially right now with rent and bills due. It 's coming to a point where this life is not worth living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit.  I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
1 ) Please provide the name ( s ) of guarantor ( s  ) for loan #  XXXX .      2 ) Provide the name ( s ) of ind ividuals whom applied for credit for loan #  XXXX .     Thank you -  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 2017-04-28 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: MO

Complaint narrative:
I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: MO

Complaint narrative:
I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''

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