vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent several letters to Experian to remove inaccurate addresses from my credit report, and they have not removed the inaccurate addresses oon my credit report. 
The following addresses are inaccurate and need to be removed. My proof of address and drivers license is attached. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN 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 2020-06-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
credit was applied for in my name without me knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TN

Complaint narrative:
credit was applied for in my name without me knowing

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 2020-06-03 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: WA

Complaint narrative:
While in XXXX, I purchased an XXXX XXXX XXXX at a jewelry store for {$1000.00}. 

Upon returning home I had the stone appraised and it was concluded that it was a fake and worth {$5.00}. Furthermore, the stone was weighed by a non-calibrated scale, so if the stone had been genuine, the merchant used a fraudulent scale to weigh it. 

I was given a temporary credit back but that was removed and they reissued the bill a month later. 

I contacted Chase and they informed me that because I made the purchase in a " Face to Face '' transaction, I was not entitled to a refund. I had an opportunity to examine the merchandise before I purchased it and could deem whether or not it was fake. 

I have a certified gemologist XXXX world-renowned ), who provided a comprehensive account of the diamond. He's done this for many clients that have purchased counterfeit items and has never heard of a credit card company treating their customer the same way that they treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
I have had this card for 13 years and 5 months. My balance has not been increased for a long time. Longer than I can remember. Whenever I request an increase, I am denied and the reasons given are not in order with any 3 of my credit reports. I called the bank and asked about it, requested an investigation. They informed me that they do no such thing and the letter that they sent me explains their reasoning. 
I have also requested other loans through the bank that have either been denied or approved with an extremely high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
Transunion did not properly investigate my XXXX account on my credit profile. This is not my account and I have never had an account with them. 

Transunion did not properly investigate my XXXX account. It saying I was late. I was never late. 

Transunion did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX  account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my Dept ed/XXXX account. it is closed and still showing on my credit report with duplicate account Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX  account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX. account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate. 

Transunion did not properly investigate my XXXX XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my Chapter XXXX account. This is not my account I never had a Chapter XXXX account. 





Transunion did not properly investigate my 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 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tied to sign up for XXXX and it wont allow me to connect to my PNC account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello I received the offer attached below ( glad I printed it out as reference ) from Chase online. I have a XXXX XXXXXXXX XXXX credit card and the attached offer was pushed to me during an online session. As indicated in the offer, I read through all the requirements and dutifully completed all items for receipt of {$600.00} account opening bonus - opened both checking and savings accounts at the same time ( XX/XX/2020, approximately XXXX XXXX XXXX, funded savings account with {$15000.00} within 20 days of account opening and also established direct deposits to checking account totaling over {$500.00} per month. I even further enabled auto-sweep from checking to savings account. 

The {$300.00} bonus for the checking account is now long overdue. I have contacted Chase repeatedly via Secure Message in my account and also on the phone ( see below ) as requested in the latest secure message response I received earlier today. Their latest response was to my earlier message in the day following up on the lack of a response from their " Research Team '' that was promised within five business days ( and had passed that time frame ). Their response is there is no code on my account that would entitle me to the bonus and asked me what code I used when I opened the accounts. I indicated there was no code displayed to me at signup ( would have also printed that out ) and per the attachment, " Coupon code applied when you click " Open an account '' - which is what I did. It would appear that the coupon code that should have been applied by the Chase system was not. If so, that is a problem for Chase to resolve in their account opening promotion they pushed to me. 

The bonus for the Savings account of {$200.00} would be pending, but per above not coded to my account and similarly the additional {$100.00} for opening both accounts at the same time. 

In today 's call speaking with rep XXXX XXXX, he hung up on me prematurely at the point when I was requesting to speak with a supervisor and he advised 30 days for a call back. I indicated that was not appropriate and I wanted it recorded as a request for an urgent callback. At that point, he indicated it would be 15 days. I reiterated my position of the urgency of the callback, at which point he hung up on me. 

Note that none of the exclusions of the offer apply to me - I did not have existing Chase Checking or Savings accounts. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received unbeknownst to me from XXXX XXXX account # XXXX for several months $ XXXX " portfolio management fee. I never requested or was advised that I had portfolio management or that there was a fee associated with it, and do not want and will never want such services. After complaining I was told that I had been sent a letter which I never received " informing '' me of this fee because my balance was below {$25000.00}. Why? Because without my advise or consent XXXX sold off part of their asset management business to a third Party which included my XXXX money market account XXXX which contains {$25000.00} as of XX/XX/2019, leaving me to pay for their greed. I spent several hours working with them and they told me that I could only solve this by going to my local branch in XXXX. which of course is closed because of Covid. Their case # is XXXX XXXX XXXX XXXX XXXX. Most dishonest bank in U.S.,. Have I not had my other autopsy, ssi, etc.,. Linked with this account for 36 years I of course would change banks. Help me. I am trapped at age 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 monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/20 when I checked my Bank of America account balance online, I found a withdrawal of {$5500.00} and a {$36.00} fee. I immediately contacted the bank and filed a fraud claim. On XX/XX/20 I received a response from the bank denying my fraud claim. The reason was that 'the account owners identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. ' I called the fraud department at bank of America to find out more. They claim that somebody walked into a branch and showed them a driver 's license that was accepted by the teller to deposit fraudulent checks and withdraw all the cash, {$4900.00}. I told them that my ID was not lost or stolen and that they gave the money from my account to somebody impersonating me. 

They refused to tell me what branch of the bank was used, only that it was XXXX from my house, nor did they tell me the time of the day it happened. They refused to show me footage from the security camera without a subpoena. They refused to tell if they made a copy of the ID that was presented. They are refusing to review their security video that would prove that it was not me. They are refusing to reopen the claim. 

I did file a 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 monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a collection account on my Experian credit report for XXXX XXXX opened XX/XX/2019 that has been paid in full and all other credit bureaus have removed this account. Experian has it showing with a {$0.00} balance and negative.

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 2020-06-04 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:
XXXX XXXX XXXX XXXX XXXX is fraudulently reporting wrong balance on my car loan to all credit bureaus. They are repeatedly fraudulently doing this and harming my credit score. The balance is {$4900.00} and they are reporting that i owe {$8900.00}

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 2020-06-04 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from XXXX down to XXXX and I can not get a loan at all now. Navient will not correct this issue even thought I have requested it in writing. 
Navient is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. Navient says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Complaint : The both Experian and XXXX Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my Experian and XXXX credit reports.

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 2020-06-04 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: AR

Complaint narrative:
XXXX XXXX XXXX  business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
XXXX XXXX XXXX business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. 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 2020-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: UT

Complaint narrative:
In the summer of XXXX, I was diagnosed with XXXX. I called Sallie Mae to see if they had a program for people in my situation, who could not afford to pay their monthly bills, due to XXXX and XXXX. I was XXXX and working full-time was not possible. 

They were non-compliant, by being deceitful. Stating the only thing they could do for me was put me on deferment. I agreed to the deferment. Which, unbeknownst to me at the time of the agreement, increased my interest rate to 11 %. 

In XXXX of XXXX, I learned from Sallie Mae that there is a XXXX program that I was eligible to have applied for previously, but that no longer applies because I am XXXX-free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
Equifax did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my Dept of EdXXXX. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing my credit report, Equifax did properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my collections accounts. 

Equifax did not properly investigate my XXXX account. I never had a account with them. 

Equifax did not properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from 765 down to XXXX and I can not get a loan at all now. XXXX will not correct this issue even thought I have requested it in writing. 
XXXX is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. XXXX says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help

Company response to consumer: Closed with explanation