vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have an original copy of a Certificate of Deposit held with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, for which I discovered they were merged with or acquired by BMO Harris Bank National Association, on XX/XX/XXXX. I contacted BMO bank and spoke with 2 different representatives on XX/XX/XXXX. The first representative had no information regarding these unclaimed funds and suggested I contact State of Indiana. State of Indiana informed me they had no information regarding unclaimed funds, and suggested I find out from BMO Harris more information regarding Report number, Date and name it was filed as, and amount. When I contacted XXXX XXXX on their national toll free line, I was instructed they can not help me. I asked that they route me up the chain to their supervisor or management and agent stated this was not allowed. Agents name was XXXX and his supervisor 's name was XXXX XXXX, though agent would not spell names, nor provide me with and Agent ID number. 
I am left without any record or way of tracking down the funds for my Certificate of Deposit, for which I have the original signed CD paperwork, as well as the last notice I received from XXXX XXXX XXXX in XX/XX/XXXXwith the maturity amount. I am happy to forward copies of paperwork. Can you please help me?

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 2018-04-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 2018-04-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX  and the account has been closed. I have confirmation fromXXXX XXXX  to that effect. How does this record get taken off outstanding debt?

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Greetings! 

Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX  ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Conn's, Inc.
State: NC

Complaint narrative:
I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Satisfaction Of Mortgage that Dates back to XXXX XX/XX/XXXX recorded with Register of Deeds here in XXXX Wi. Chase our Current Lender states not Chase Loan. I found that was a XXXX  XXXX XXXX Loan.I also found out that I have a S.O.M, with Chase Which is recorded with our Register of Deeds Here in XXXX Wi. 
on XXXX is fully paid and Satisfied, also certified by Register of Deeds here in XXXX Wi. Letter from office of Comptroller XXXX. S.O.M. 
loan started in XXXX, was paid off XXXX.Letter from XXXX XXXX XX/XX/XXXX XXXX XXXX Loan Holder , XXXX XX/XX/XXXX XXXX Balance . 
Note XXXX XXXX XXXX XX/XX/XXXX Wi. Statute XXXX { XXXX } XXXX { 10 } { A } Letter to Director of Civil Operations XX/XX/XXXX. Comments on XXXX? 
XXXX XX/XX/XXXX Mortgage Settlement Nothing from Them.. Wi. Law.. 
Housing Market Crash of XX/XX/XXXX. This is were our mess started.S.O.M. 
From XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX back to XX/XX/XXXX. 
A E-Mail from a Mortgage Analyst XXXX XXXX. That the Mortgage is Satisfied From Chase. This has been going on for Years.. I have paid Chase over {$60000.00} since XXXX. Refund? Or Just Close our Current Account paid in Full. XXXX Years Old, lost my Wife this past XX/XX/XXXX. 
XXXX years old.Lets Doe Something.??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
We purchased a ticket through XXXX using their XXXX XXXX XXXX credit card. We had to cancel the ticket and submitted the necessary paperwork to get a full refund. We were told at first that it would take 4-5 business days to resolve. After a week we contacted customer service and were told that it would take 6-8 weeks to get a refund. In the meantime we would be obligated to pay the full price for a ticket that was never used. We contacted XXXX XXXX XXXX ( Barclays ) to dispute the charge and faxed paperwork to them multiple times. They never called or acknowledged that they even received any faxes. Want them to put this charge in dispute until this matter is resolved with 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 2018-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Somewhere on or around XX/XX/XXXX My estranged husband, XXXX XXXX XXXX and I were issued a check from XXXX XXXX XXXX XXXX for musical instruments he claims were stolen after our separation on XX/XX/XXXX. The check was paid to the order of XXXX XXXX XXXX and XXXX XXXX XXXX for {$4900.00}, check XXXX, dated XX/XX/XXXX. XXXX was able to take the check to a JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, Texas and deposited into his personal bank account without my signature or knowledge. This check was allowed to be improperly negotiated and deposited. 

On or around XX/XX/XXXX a check was issued to XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. JP Morgan Chase at XXXX XXXX XXXX, XXXX, Texas XXXX allowed him to cash this check without my knowledge or signature as well as Compassion 's roofing did not sign the check XXXX, dated XX/XX/XXXX for {$3000.00}. 

On or around XX/XX/XXXX JP Morgan Chase allowed check XXXX. {$3000.00}, dated XX/XX/XXXX to be cashed. This check was made out to XXXX XXXX and XXXX XXXX and XXXX Roofing & Remodeling. 

All 3 of these checks were not negotiated properly, but all three were either deposited or cashed by 3 branches of JP Morgan Chase. 

I have spoke to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about it. The second two checks with the contractor 's name was for roof repairs ( both checks were the same amount ), but no work has been done on the property. I believe XXXX XXXX and the contractor may have split the money or XXXX XXXX may have kept the money for his gain. Please understand I know this money is not mine, but should have gone for the roof repairs. More checks are to be issued for the repair. I have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they can not do anything about it and will reissue more checks without inspection of property repairs. 

I have spoke to JP Morgan Chase branches, XXXX, XXXX XXXX and XXXX XXXX XXXX ( as checks were drawn off them ) with no resolution. 

It is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Ok the problem is SunTrust bank, in my work they pay me on Friday I deposit the check at same Friday and the bank puts the check on hold for over a week. 
I call my boss and he chow me his bank online and SunTrust take the money next day after depositing .I call sun trust customer service meni times and they don't know what is happening w my money Thanks I hope you can help me to find a answer

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 2018-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo had been calling us repeatedly, sending us threatening letters, etc., stating that we were delinquent in our payments. This started around XX/XX/XXXX-XX/XX/XXXX. We went into a branch in XXXX, VA in XX/XX/XXXX, and proved we made every payment. We thought the issue was taken care of. We spent 3 hrs in a branch going over every payment. All late fees were waived and we thought the issue was taken care of. It started back up again. We went back in XX/XX/XXXX, to face the same story. Our bank, XXXX XXXX XXXX XXXX has a record of every payment going out electronically and on time. They also show and have confirmation that Wells Fargo received every payment. However, Wells Fargo only show part of the payment. Where's our payment/money going? In the meantime, we keep getting threatening letters, late fees assessed, credit bureaus are being notified ( I believe ) which affects our credit. We even paid money over the phone for late fees that Wells Fargo insisted we owed! This has been a nightmare for 2 years now. Wells Fargo now keeps sending us letters pushing the 'we 're working on the issue and we'll get back to you ' date back. In the meantime, we're still making payments and have NOT missed any! Is someone stealing our money? They've threatened to foreclose on us. 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 2018-04-17 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: OH

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This has been an ongoing issue with Bank of America. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now XXXX XXXX XXXX, XXXX.Sent letters in XX/XX/XXXX, XX/XX/XXXX, In XX/XX/XXXX sent letters in XX/XX/XXXX and XX/XX/XXXX to  validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XX/XX/XXXXand XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX No XXXX ( XXXX. XXXX XX/XX/XXXX ),  they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.

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 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 2018-04-17 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: GA

Complaint narrative:
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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:
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am currently requesting that XXXX  surpress and freeze my information from being shared with any and all other parties.

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 2018-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

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 2018-04-17 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: OH

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

Company response to consumer: Closed with non-monetary relief