vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have had a Chase Mortgage without an escrow account for fifteen years. Through a series of miscommunications Chase set up an escrow for tax payments with my town of XXXX, MA XXXX which I have paid. to. Chase claims that the Tax Dept. reported my account late while town of XXXX says that they do not report late payments. Chase has set up an escrow which after numerous communications Chase has closed with a balance of $ XXXX. The town of XXXX has {$700.00} in prepaid tax payments which I have asked Chase to repay to escrow on XX/XX/23 to reduce escrow which I want to pay off. After numerous communications with Chase Bank and attempts to reach my " relationship manager '' I can not find out whether Chase has gotten the {$700.00} tax payment back into pay down on escrow. This has been going on for three months. I have requested that Chase get the money from XXXX XXXX ( the treasurer has said that he would expedite the process once he received the Chase request ). I have had no response from my " relationship manager '' XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. 

This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Our social security numbers were stolen in 2014 to file false tax returns & the thefts never stop. Last week it was XXXX XXXX. As instructed I contacted the XXXX Equifax to put a freeze on our credit. All it took was inputting my social security number and street number ( not city, state & zip code ). I get emails from the USPS with images of mail to be delivered that day. 2 from Equifax, one for me and one for my husband. My envelope from Equifax never arrived ( see attached image ). My husband 's letter included HIS PIN NUMBER WRITTEN IN Bold was on that letter. I don't know of any company WHO SENDS PASSWORDS via US MAIL WITHOUT ANY TRACKING INFO. I have made several calls to Equifax & tried to chat. There's a language problem, the reps in countries outside the US ( XXXX XXXX XXXX ) are extremely difficult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the company.

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 2018-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have consistently been pushed in the direction of forbearance with Navient. I've been out of school for almost two years now and while I couldn't make a big payment they have told.me.thatbas long as I stay in forbearance everything is okay and eventually my loan will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have sent about 3 or 4 letters to all 3 credit agencies about verifying the account listed on my credit report by the name NAVIENT, I have no idea who Navient is, I have asked the credit agencies to send me a copy of the original contract, with my signature on it to verify that this account belongs to me, they wont sent it to me, I have also sent two certified letters to the company Navient and they never responded to me at all, I asked the credit agencies how are they verifying this information if the company wont even respond to me, I was told that they verifed it electronically, I asked to be sent what was sent to them, I was hung up on, that was XXXX, XXXX, XXXX the same thing saying it was verified but not sending me any proof, they all tell me to contact Navient. I am clearly being ignored by Navient I have sent two certified letters to them and not one answer at all. I have sent certified letters to all three agencies XX/XX/2018, XX/XX/2018, XX/XX/2018, all at the same time. XXXX XX/XX/2018, -- XX/XX/2018. All letters were sent certified mail Navient is reporting that the high balance is XXXX charge off amount XXXX if this is true why cant you send me proof of this, the law states that a account must be verfied 100 % if it is being reported on your credit report, this is clearly not being done, these agencies feel like they dont have to comply with the law I have spoke to them on several occasions tonight XX/XX/XXXX XXXX, they didnt care about proof at all. I have all the letters that I have sent out if you need them I will mail them in to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX put me in nearly {$50000.00} worth of student loan debt with promises to help me gain employment upon completion. The school closed, I did not receive help finding employment, and the education they gave me left me unqualified to take a job doing what the XXXX XXXX XXXX promised. I can not get work to pay back the loans. I do not know how to get relief for these damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I became aware that my internet service provider, XXXX, had made 3 unauthorized debits to my checking account. The last charge being very large, {$510.00}, taken out on XX/XX/2018 and today 's date is XX/XX/2018. I tried calling XXXX but they argued with me saying that I had approved it for them to make auto pay payments for my internet service. I told them that I had not and it all ended badly with my hanging up. I then went to my bank ( Wells Fargo ) to let them know of the charges. What it all boiled down to and what they told me was that because I still had an account open with XXXX they could not dispute the charges and could do nothing for me. I don't understand this because if I did not authorize them to start taking payments from my account then it is not their account to be going into. Not their money to take!

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 monetary relief
Consumer complaint received 2018-09-29 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: MO

Complaint narrative:
Equifax and XXXX  deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: LA

Complaint narrative:
My Equifax report cant be accessed by myself or my bank. After contacting Equifax XX/XX/2018 .. they advised me for the 7th time within a month that they are working on it and would either call or send a letter once the issue is fixed. Needless to say they never contacted me or fixed the issue. Im trying to purchase a home but can because the file is not excessable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  and TransUnion deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.

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 2018-09-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX Bank initiated a dispute of two auto loans on my Credit Report that I did not authorize. XXXX Bank performed this illegal dispute of the automobiles paid through their company in an attempt to verify two charge offs that XXXX bank is reporting. The dispute of my automobiles were not requested and not legal. XXXX Bank is standing firm on their decision to illegally perform disputes and reporting information they can not verify. CFPB please investigate XXXX Banks reason why they disputed information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifaxs XXXX and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
FINANCIAL CREDIT NETWORK has repeatedly attempted to collect on a debt which was previously paid in full to original creditor XXXX XXXX. 

I have requested validation of their right to collect on the debt in two separate letters to FINANCIAL CREDIT NETWORK, dated XX/XX/XXXX and XX/XX/2018, request any of the following : copies of original contract, debt details, dates, address, and other identifying information. FINANCIAL CREDIT NETWORK has refused in response letters dated XX/XX/XXXX and XX/XX/2018, in violation of my rights under the fair credit reporting act and the fair debt collections practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Well, I had this account and yes I am doing my best to pay this back and yes this was cause by my XXXX XXXX XXXX which they was putting my funds back into my account for Premium Expenses of my Health Insurance Healthcare Plan of retire medical spending account and yes this has been a complete night deal for me and yes I am not saying I do not owe it but I am getting calls all day and nights in hours of times and yes I did make a payment on this account again on XX/XX/2018 and yes I am doing all I can to handle this and yes I was on the hospital the last past week of my heath problems and I only work part time for the XXXX XXXX XXXX in XXXX, California and I do not make to much money an dyes I started to get my Social Security Retirement Benefits this month and I am doing my best to handle what I can to pay this and yes I di d stop by the bank on XX/XX/2018 and try as much as I can on a payment, please I am not well an di do feel they are harassing phone calls, so I am asking that they do not call me or send me any thing, each time I go and make a payment on this I can not even get a balance how much I still owe and yes I would like to know what they are charging me on this too, thank you for your complete help on this now

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 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a check for {$20000.00} from sales proceeds in a real estate transaction. The funds were disbursed to me from an attorney handling the closing for us. Closing took place on XX/XX/2018. I promptly deposited the funds into my account later that same day. Thereafter, I left to go on vacation. 

On XX/XX/2018, while in Tennessee visiting friends and family, I went to a local branch for my bank to check on my funds. I learned that my account was closed. I followed up with the bank to try to find out what was going on and I was told that the check I deposited on the XXXX needed to be verified. While on hold, the bank called the attorney who verified the check, and then I was told there was nothing that the bank could do, the account was closed, and that a cashier 's check was going to be issued in about 7 to 10 days to me for the account balance. No reason for the closure was given. 

I returned home to Washington state on XX/XX/2018. I still did not have my funds. I went to the bank and was still told that the account was closed and there was nothing that could be done. I also still had not received by funds. I checked my mail and saw that on XX/XX/2018, the day after I made my deposit, that my bank sent out a letter, post marked on the XXXX, that I could not use my account because it was blocked for not providing information or because of some kind of activity. The bank would not explain what information was needed, if any, or what the activity was. No reason has ever been given for why my account was closed and funds still withheld. 

I had the attorney who issued the check confirm with his bank whether or not the check cleared. The check had cleared. My bank is holding the funds and is refusing to return it to me. A copy of the letter they sent on the XXXX, dated the XXXX, is being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX TransUnion and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything 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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX  and Experian remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything 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 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wasnt aware that I had a previous balance on this card with purchase return I thought I had a credit balance and they charged me late fee and its not exceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

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