vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 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: NY

Complaint narrative:
There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. XXXX XXXX ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.citibank stu ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX  XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}

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 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am a victim of identity theft, and I discovered that a previous fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquires. I would like these items be permanently removed and blocked.

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 2019-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I received a " XXXX with XXXX payment '' to my Chase Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " XXXX Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " XXXX dispute ''. I contacted Chase customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer XXXX ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via XXXX transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my XXXX details. I heard XXXX 's voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ XXXX 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest XXXX taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will XXXX over anyone as long as they can get some money out of it. 

To make matters worse, Chase customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with chase and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
I have XXXX accounts with StateBridge out of Colorado. 
I have numerous problems with them that I cant seem resolve on my own. 
First there online system is down 80 % of the time with non access. 
I have sent over 75 emails and countless calls and hours trying to resolve this and all my contacts fall on deaf ears. 
Despite them agreeing that I have made my payments on time, I am still subject to twice a day Robo collection calls, reporting me late to the credit reporting agencies and all kinds of added fees and costs. Not to mention the emotional toll and stress this has taken. 
On one account they have consistently taken my payments and put them in an unapplied category, when they finally apply it they apply it on whatever date they want causing me to pay extra interest and charging me a late fee. As well as reporting me as much as 90 days late to the credit reporting agencies when the payments were made timely. As well on this account earlier in the year they charged me some vacant fee charge, they first insisted it was a law that they charge it even thought I told them my house was never vacant. I paid it because they were reporting me late, finally they agreed that I should not have been charged it. I asked that it be sent back to be or apply it to my loan balance. It never was never done this has been going on for over 8 months. They have agreed to fix these in writing but it has not been fixed. 
On the second account, its pretty much the same thing they put the payment in an unapplied account and sometimes months latter apply it, but charging late fees, extra interest and reporting me late to the credit agencies. 
I pay both loans with electric bill pay and have proof when they were paid. I have email after email from them saying they will fix these and they have not. But I did receive at least one letter from them suggesting I short sell my home or give it to them as a deed in Lieu of foreclosure. 
I am not sure what I can do they are causing us a great deal of emotional distress and financial harm. 
I can send you some or all of the emails to and from me, as well as the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My roommate pays me $ XXXX  monthly for rent, and has done so since XX/XX/2019. But for the last two months in a row, Chase Bank has placed a 10-day hold on her rent checks, forcing me to scramble when the rent comes due. When I contacted Chase to fix the problem, they would not tell me why the hold was placed, only that the funds weren't available yet and the rest was confidential. My roommate contacted her bank, and the funds went through within hours of the deposit being made in both occasions. Yet, Chase still will not release my money. I am frustrated and am wondering if this is even legal for them to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
portfolio Recovery as of yesterday reports monthly on my XXXX report that I owe them XXXX now they send me mail, bills and letters stating I owe from a XXXX XXXX Credit Card. portfolio Recovery is also playing on my XXXX  also as XXXX   XXXX XXXX. I have told them over and over I never had a XXXX Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX  report. The other who credit reporting agencies have deleted portfolio Recovery. XXXX will not prove or give me a chance after one time of disputing so therefore portfolio Recovery has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: NY

Complaint narrative:
Every time i apply for credit and they try to pull my Experian credit report it says i do not have a credit file. Please allow company 's access to my credit report. i have enclosed a letter i received from XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX  and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX   and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. 

Accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX as of yesterday reports monthly on my XXXX  report that I owe them XXXX now they send me mail, bills and letters stating I owe from a Victoria Secrete Credit Card. XXXX XXXX is also playing on my XXXX  also as world Financial Bank. I have told them over and over I never had a Victoria Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX report. The other who credit reporting agencies have deleted XXXX XXXX. XXXX will not prove or give me a chance after one time of disputing so therefore XXXX XXXX has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account because of Fraud, they said I deposited some amount of {$2000.00} and {$3000.00}, please I never I deposited any money Before I received my debit card, I was given a temporary card to make deposit and withdraw I misplaced the temporary card maybe it from there the money was deposited into my account. I will never have anything to do with fraud.

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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
would have been a first time home buyer this year, I was advised by the title company which whom I met with that I was pre-qualified for up to {$450000.00} to buy a home. This broker who had provided me with a pre-qualification letter advised me that he had forwarded my information to someone else who would be working on my paperwork. I have never done any of this and though ok well he is sending me with his partner. After we began looking for a home and found the one we though that we would want for our family the initial broker we met with advised us that he forwarded my contact info to a partner of his who would be working with us, whom was the best in his field. 
Again I have never done any of this so I went ahead and spoke to this man. Every time I spoke to this man, he advised that I was only a few more points away from obtaining my future home, that I just needed to send him money via XXXX to him and he would make things happen. I paid him via XXXX approximately {$1700.00} in approximately 45 days and ended up losing the home that we were told would be ours and that we were pre-approved for. On day 45 from the date we signed the contract we were told that there was never an application actually done with the mortgage company, everything was a scam. When I advised about reporting this company and what they had done they advised that I was never a client and that he was just a friend helping a friend. Because to add insult to injury my credit has been negatively affected by all the inquiries that he made and I even had one of my credit cards closed due to this. When I told him about this his response was " who cares about a XXXX credit card ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02 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: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/2019, I went into XXXX XXXX in XXXX, Maryland with the intent on looking at cars for research purposes. After 30 minutes, the car salesman said, he would check to see if I qualify for the car we test drove. I specifically told the salesman " I just got my credit up and I wasn't to sure about running my credit. '' After 10 minutes he came to me and said that I was approved for the car. When I checked my credit I saw that my credit was ran almost 10 times without my approval. I was misled by deceptive marketing practices. Flagship Credit Acceptance company ran my credit through their system without my knowledge or approval.

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 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Hi my name is XXXX XXXX with phone number XXXX XXXX XXXX..i was custumer of tcf bank illinois i wasn't happy about their services and illegal fees..so i decided to close my account but they charged me amount of aver 200 $ just illegal over draft fees..i refused to pay it..but they reported me and put me in checklist so i can't open checking account with any bank..it 's has been around 4 years ago ... i try to solve problem but with no results..few months ago i received check of refund from federal trade commission because they catch my tcf bank charging me illegal fees.from my checking account so federal found me paying other illegal fees between XX/XX/XXXX and XX/XX/XXXX..shame on them..now i need my right to let tcf bank to remove. Me from checklists so i can be free to open checking account with another banks ..also i need to be reimbursed me XXXX $ for this problem and the big issues they make it for me for years so i still as American citizen can open any bank account because of illegal overdraft fees i have been charged ..i need your and i believe in American justice i believe in your guts i believe on land of uncle sam thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
Im tryin to move! I cant move due to an apartment Ive becer lived in being on my credit report. I live in XXXX. The report is from XXXX. Ive disputed it! I have a twin sister name spelt similar, social is almost the same just one number different. Somehow our report was basically one. Ive talked to numerous amount of people tryin to get this resolved. Even disputed it only for them to tell me its mine now Im having to dispute it all over again! Im supposed to be moving in 3 weeks but wont be able to due to this being on mine. I need something done about this ASAP or Im a have to go about this another way! The lady from where they sent the report was flat out rude! Telling me she basically cant talk to me because its not my name on the apartment! Well if my name isnt on it why isnt it being removed off my report!! Makes no sense what so ever.

Company response to consumer: Closed with explanation