vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XXXX, there were pre-petition payment ( s ) dating back to XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: UT

Complaint narrative:
XXXX XXXX is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: PA

Complaint narrative:
GB Collects , LLC ( of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) continues to call me and send me letters concerning a debt I do not owe. They claim I owe XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) a sum of {$1.00}, XXXX premium for the month of XX/XX/XXXX. However, I terminated my policy on XX/XX/XXXX and I did not have any coverage with XXXX thereafter. I sent a copy of Form 1095-A (  Health Insurance Marketplace Statement ) to GB Collects , LLC in XX/XX/XXXX to prove to them that I did not owe XXXX any money. Even though GB Collects , LLC does not have any proof of my coverage with XXXX for the month of XX/XX/XXXX, they keep harassing me through phone calls and letters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/17 I filed a dispute with my credit card company ( Chase VISA ) for an online purchase made on XX/XX/17. Chase VISA kept closing the dispute even though it wasn't resolved, acting upon misinformation from the vendor. When I called to discuss and provide necessary documentation, they advised me to " reopen '' another dispute. I did so four ( 4 ) times. Since my written disputes weren't getting reviewed, I attempted a phone resolution many times with many CHASE associates ( most of which had foreign accents ). I became very frustrated with their service and visited my local CHASE branch to seek assistance. The branch manager " escalated '' the matter, only to then discover it was past the time it could be disputed - due to Chase VISA failing to research, discuss and act upon the original dispute dated XX/XX/17 as well as the many follow-up ( re-opened ) disputes. This was no fault of my own and CHASE must take responsibility for their failure to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VT

Complaint narrative:
I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX. 

The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information. 

Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made. 

While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program. 

I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX I was in the process of applying for a pre-approval on a mortgage from Bank of America. XXXX XXXX, NMLS # XXXX was assisting me in putting the application together and asked for my current rental history. I live in a house co-owned by my father and I, and I transfer him money every month ( under no obligation or contract to do so ) to help him get by. 

The underwriter and XXXX initially assumed that I was renting the house from my father, and asked for me to provide a rental agreement or documentation. When I informed him that there is no agreement, and I have no obligation to pay rent, XXXX instructed me to forge documentation ( a " lease agreement '' ) saying that I have been renting my residence from my father for years in order to establish enough credit history to get my mortgage pre-approved. I declined, and our conversation ended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just applied for a XXXX capital one, Im always very careful to read all the conditions. With this card I took the same precautions especially with the annual charge. They are charging me at the beginning of the year when clearly in the terms and conditions it says that it is an annual charge. This is misleading and disrespectful to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: CO

Complaint narrative:
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/XXXX that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A XXXX XXXX profile requested I open up a Chase account. Two counterfeit checks were submitted to that account with his and by his contacts. If money had been he would use large sums of money for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This XXXX XXXX XXXX has my social security number, ID, address, work information about me. Two counterfeit fraud checks by him with his contacts caused me a blockage with not one but each time I asked him to stop he would insist with his status that all was perfectly normal and when the checks did not go well that he was going to somehow sort the situation. I asked if you know your supposed contact are fraud and causing problems then why not stop asking me to open up accounts and instead contact authorities for help. Nothing from this XXXX XXXX nothing to what he caused me with banks. Those counterfeit checks that was deposited into Chase were the result of this profile XXXX XXXX XXXX there is no way with my XXXX XXXX pay or social security money I would be capable of having those amounts or fraud checks. Chase I had more than one account. The XXXX, the XXXX etc the last one that was closed because of the XXXX etc resulted because of this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the customer service would not help about the negative inquiries reporting to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed fraud activities on my credit card statement but Chase Bank never took care of this issue. I called Chase multi times to go over but never called me back. They sent me a letter stating it's all valid charges becuase I got benefit from those charges, I even sent out the letter to Chase back in XX/XX/2019 asking what kind of benefits I received except bunch of unauthorized charges? Chase never replied my letter. 
Last conversation I had with one of officer with Chase stated that some of the package using my credit card were sent to some name XXXX XXXX and they resolved as my charge since we have same last name as " XXXX ''. As you know more than 40 % of XXXX people have same last name as " XXXX '' just like " XXXX '' in US. I requested to re-open this case but my requested was ignored. I told an agent at Chase that I have similar case going on with some one name XXXX XXXX but never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I recently got a Citi AAdvantage XXXX XXXX card and required a replacement card at the end of my first month. A fraud hold was placed on my account, and when I called Citi said they were unable to verify my identity with the phone number I provided upon my card application. I visited a Citibank branch to try and verify my account in-person, but to no avail. Finally, the branch manager was able to help get a supervisor on the phone and the fraud alert was lifted because the supervisor decided they could use my phone number as verification after all. 

However, another fraud alert was put on my account once the replacement card arrived. This time, I asked for a supervisor, who insisted that Citi could not verify me with my own phone number this time. The supervisor 's ID code was XXXX. Instead, she asked me for a family member 's phone number. I provided my mom 's phone number, and Citi was able to send her a voicemail with verification instructions. 

This is absolutely unacceptable because I am the individual cardholder and my account has no relation to my mom. It is a serious privacy concern to me that anyone could call Citi if they were friends with one of my family members and provide a family member 's phone number for card verification -- especially ironic when I myself can not verify my own account alone. I am very concerned about Citi 's ability to maintain cardholder security, and have found that the fraud department 's verification process to be extremely problematic. Allowing family to verify my account poses a great risk for fraud. Only the cardholder should be able to verify his or her account, and the cardholder should not be put through such a hassle either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2019 I paid {$440.00} to XXXX for XXXX XXXX   Systems for a delinquent account. Per XXXX XXXX the last 4 numbers of the original account is XXXX. I called to ask XXXX XXXX when would they be deleting the account on the 3 bureaus since their website says they will stop reporting and delete the trade line if its paid in full and more than 2 years delinquent. XXXX XXXX said they do not own the account. Please see supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: GA

Complaint narrative:
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX A XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/UXXXX XXXX XXXX   XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.

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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/19 I contacted capital one about funds I deposited into this account that is now being held due to Capital one not being able to verify me. 

If CAPITAL ONE have all of these technologies to verify someone identities than they need to do so prior to allowing someone to get approved and allow them to submit money into the accounts just for them to hold people money is wrong. 

They stated they wanted me to contact the SSA to verify my ssn. They asked questions regarding me, they sent codes to my phone to verify me to still tell me Im not who I say I am and just hung up. 
I have XXXX thats is being held. I asked them to release my funds and close my account The continuous treatment this company display is horrible and due too that I no longer want to hold an account with this company I want them to release my funds immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: FL

Complaint narrative:
Hello I am having problems with alot of Inquries on my Transunion Report. there are Inquries that I did not authorized. its causing me problems with getting approved for loans and Credit Cards. if you can help me, I would Really Appreciate it.

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