vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I received an email from American Express ( XXXX ) stating that my Bluebird acct privileges had been suspended because of an unspecified violation. I called Acct Protection Services at XXXX on XX/XX/XXXX and after several tries and a very long wait I was informed by a rep that the account was closed and a check for the balance of {$100.00} would be forthcoming in 10 business days. I have heard nothing since then, phone calls are not answered and I am unable to log in to my account online to request a withdrawal or pay a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted my HR Dept due to I noticed that my paycheck was being garnished. I assumed it was for back taxes but later found out it was for a student loan. The garnishment came from a collection agency Coast Professional Inc.through the US Dept of Ed. The garnishment started XX/XX/XXXX. I called Coast Professional, and talk to XXXX who said that it was strange that there was no information on the file about the school and that it shows my name listed as XXXX XXXX. She suggested that I send proof of the last school that I attended and any addresses to support that this was not my account because I told her that it was fraud. I received a letter from Coast Professional XX/XX/XXXX stating that a student loan was in default and I had 30 days to dispute the validity of the debt.There was no information of the school or time frame as to which I allegedly attended this school under the name of XXXX XXXX. I have not attended any school since XXXX. I searched and contacted the last school that I attended, the State of Illinois Board of Ed sent me what they had, since the school close due to losing it accreditation. The last name XXXX is my ex married name, I have never attended any school using the name XXXX XXXX or any formation of such name.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

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 2020-05-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

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 2020-05-27 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: GA

Complaint narrative:
I recently obtained my credit report. There are accounts listed that do not belong to me. Please investigate and remove this account. Please send an updated copy of my 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 explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!

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 2020-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a notice in XXXX that I didn`t make my house payment, I checked the bank and the mortgage company had my money. Then the same thing happened in XXXX I received another notice. After two days of calling numbers I got a lady from Chase Mortgage on the phone, I told her what had happened and she stated that she knew what had happen and had already fixed it. She stated the Chase was putting all the money into escrow account by mistake and she had corrected it. She issued a case # XXXX. They had put two late charges on my account for {$37.00} and possibly reported me to the credit bureau. The lady at Chase stated that they had corrected the money to make the principal. I need to make sure everything is corrected. Thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/XXXX, a booking company ( XXXX ) charged me {$1900.00} for a vacation package that they chose to cancel on XX/XX/XXXX. The merchant stated they were not issuing refunds and instructed customers to contact their banks for refunds. I disputed the charge on my debit card with Discover Bank immediately on XX/XX/XXXX and they gave me a conditional refund and told me it would be no problem and they were very sorry this happened to me. I was re-assured that disputing this would be no problem, even though I feared it would be since the transaction was on a debit card and not a credit card. 

On XX/XX/XXXX I received a letter in the mail from Discover Bank, dated XX/XX/XXXX, stating that they deemed the charge valid and would be taking back the refund they gave me over 2 months ago. I am now about to close on a house and can not afford to be out nearly {$2000.00} when I was re-assured in XXXX that this refund would not be a problem at all. I am told that because of Regulation E, they can only dispute the charge if there as a banking error. I think there is an error that I am not refunded for an order that the merchant canceled. Discover Bank also stated that the merchant told them they refunded me {$1000.00}, which is incorrect ( also unacceptable as this is only half on the charge ). The customer service rep even confirmed that this refund showed up nowhere in my account and they never received it. This also sounds like a banking error. 

Regardless, I know of countless other people whose trips were canceled by this merchant, and they were able to receive refunds on their debit card transactions. I have been a loyal customer to Discover for credit cards, banking, and a personal loan through my spouse for years. I have referred many friends to use Discover as well and have always known them to do what's right for their customers. Refusing to fight for your customer 's hard earned money is not what's right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX, two consecutive charges were made on my Chase Business Card for a vendor named : XXXX XXXX in the amount of {$7800.00} each. I noticed this within the 2 billing cycle within the 60 day window and contacted Chase Fraud. They were unable to provide any vendor name and or phone number. Chase issued me a new card and reported those as fraud. Late XX/XX/XXXX, the same two charges reappeared on my new card dated XXXX and I contacted Chase again. They said those charges are valid. I asked them to provide proof. To date, no proof has been provided and my communication with Chase has been non responsive. Chase, stopped investigating, did not provide proof, or any merchant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About 2 months ago, I asked Wells Fargo why my score dropped 29 points.

My one delinquency was a year old. Already had been dinged. 
Was told to contact XXXX. 
After I created a dispute to find out why my score was 29 points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies. 
A few days later, fell 61 on all 3. 
Phoned XXXX. They could not explain why. Told me to contact FICO. 
XXXX said they couldnt give me an answer. 
My annual credit report only shows the one delinquency. 
My score dropped another 4 points in XXXX. 
Wells Fargo site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
Wells Fargo, now, shows I have a higher score than the XXXX   site. Wells says they use XXXX. 

Account Summary FICO Score XXXX as of XX/XX/20 Wells Fargo credit rating : Excellent FICOScore | FICO Score XXXX XXXX   Data Score range : XXXX XXXX Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your Wells Fargo credit rating is Excellent based on your current FICO Score.

These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score.

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months

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 2020-05-27 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: FL

Complaint narrative:
I have had ongoing problems with an account that is invalid and that was an illegal charge yet for all of my attempts to get Equifax to remove it which they have on multiple occasions it always ends up back illegally re-aged and still inaccurate. 

It claims to have been opened on XX/XX/2018 which is in fact two years after the ambulance trip in question. The fact remains that this was an illegal use of XXXX XXXX 's fire rescue to transfer me for a non-medical situation against my will, without my consent in direct violation of their policy after they violated my rights which I'm currently litigating in the fourth District Court of Appeals in the state of Florida see oliverkamm versus Broward sheriffs office. 

As a result of which they billed -- thorugh there own service - not one my isnsuaance covers -- {$1000.00} for an ambulance that I didn't need and that they didn't cover although I have insurance with full deductible that would pay for it the charge was just fraudulent so they didn't. 

I try to work this out directly with both my insurance and with XXXX XXXX and with Equifax but no one has done a thing other than re-aged this illegally continue put it on as if it was a valid debt when it's not and I can test it from the beginning. Once again Equifax is proven themselves to be untrustworthy unfair and seemingly out to makeremoval offalse info impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I unexpectedly received an EIP card with an indeterminate amount of CARES Act funds on it, but the terms of use include predatory fees and a mandatory arbitration agreement. The issuer ( Money Network Card Services/Money Network Financial LLC/Metabank N.A. ) lists a phone number through which a paper check can be requested, but the automated system routes the call straight to card activation, which entails de facto acceptance of the arbitration agreement, and provides no other options. This is a shameless attempt to trick consumers into incurring debts to third-party servicers under the guise of receiving federal aid, and using inadequate customer service to spike justified complaints.

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 2020-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are not my inquiries, I have never applied for these.

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: IL

Complaint narrative:
On XX/XX/2020, XXXX Leasing attempted to contact me from a blocked number, as they try numerous times each day. The company also sends me unwanted text and will not cease when asked. The representative on the phone conversation on XX/XX/XXXX did not inform me that it was an attempt to collect a debt and that the phone call was being monitored and recorded until approximately 1-2 minutes into our conversation. Thus violating my right and recording me without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was denied a modification due to the fact that 1 the account is not a first mortgage and 2 because they stated that I should have started the process 6 months before the due date. I have a ballon payment of XXXX due XX/XX/20. I called back in XXXX to ask for help on extending the loan and I was told to call back a month before the due date. So I did and know they sent me a denial. They are not willing to help me. The servicing mortgage company is PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY  FORM XXXX FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: FL

Complaint narrative:
I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my XXXX  and police 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 explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I responded to an ad for an apartment in XXXX listed by a XXXX XXXX who claimed to be the owner. I requested references of previous tenants he had hosted and he gave me 2 tenants info. I contacted them both via phone and email and got good reviews about the apartment. Once I had confidence in the listing I used XXXX to pay for the apartment for the month of XXXX. I used XXXX in my chase account to give Mr. XXXX XXXX {$1300.00}. I will attach emails with information he provided me and a rental receipt he gave me. When I arrived to XXXX to collect my keys XXXX XXXX had disconnected his phone and stopped responding to emails. The listing ended up being a scam. I contacted the police, XXXX & chase on XX/XX/XXXX. XXXX and chase both told me I was not Protected and could not get my money back. I am absolutes gutted and hoping to get some sort of funds back as I used much of my savings to secure this rental. I will attach all proof of scam.

Company response to consumer: Closed with explanation