vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 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: CA

Complaint narrative:
My AMAZON Visa Card with CHASE, account number XXXX was lost or stolen and incurred charges totaling to {$100000.00} statement with due date on XX/XX/2019 I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019, I also spoke to XXXX on XX/XX/2019 and explained the same thing.. I clearly stated that I personally have nothing to do with any of charges posted on that card. Today XX/XX/2019 I received letter stating that my claim was partially denied based on the matter that I personally " received benefit from transactions '' in amount totaling to {$36000.00}. They provided me with new number XXXX XXXX for additional assistance. 
I spoke to representative with the name of XXXX on XX/XX/XXXX  at XXXX XXXX and clearly stated that I have nothing to do with those transactions and requested to have those charges removed from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am XXXX and I have been in serious of car accidents.I have almost been XXXX and XXXX by a dog. I fear driving on the highway. This bank, PNC Bank, is conveniently located in XXXX, NJ. I did nothing too them and my banking access online is revoked. I also have a POD banking account with my father that I am not given information about. 

I believe that this company is XXXX towards dark skinned women. This is the first time that I ever had a problem with my checking account. What is he looking for to unrevoke my account? How do I unrevoke the account? What is required to unrevoke the account? 


I am XXXX and have difficulty getting across the bridge to my other bank every week. I fear of another accident. Could you tell them to grant me access to my online bank account.I did nothing to them. Additionally, someone is hacking my checking account. Are they able unrevoke my checking account? This could affect my credit score. I am in the process of moving, buying a house and a new vehicle, Right at this point, I feel that this company is being discriminatory against me for no reason.They have no explanation given. They did not allow me to explain my side of the story. This is the first time, in 20 years, since completing my education and opening this checking account, that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: FL

Complaint narrative:
I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX  school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student  who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX  career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional  coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.

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 2019-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a promotional checking account with Fifth Third Bank on XX/XX/XXXX I had completed the requirements needed for the {$250.00} promo but as of today I have not received it. 

The Problem : A loan popped up on my online account when I logged in one day, the loan says I owe {$4400.00} open date of XX/XX/XXXX, I asked the bank to provide documents but the say it's XXXX years old and no information exist, so I ask why is this unknown loan on my account showing due of almost 5k with no backup documents. also says balance of {$1100.00}? 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
wakefield and associates has a XXXX dollar collection on my XXXX credit report, the only collection account ive ever had and the only serious derogatory ive ever had.the collectors original creditor they represent is XXXX XXXX.it is impossible that this charge is legitimate as always I have qualified for and had XXXX ... XXXX XXXX XXXX PLAN, A GOVERNMENT LOW INCOME PROGRAM WHICH WOULD COVER ALL LEGITIMATE AND LEGAL HEALTH CARE DEBTS.THE EXTORTION IS THAT FOR XXXX DOLLARS I WOULD PAY TO SAVE MY CREDIT ... AND IT MAY JUST BE WORTH THE PAYMENT BUT THE DAMAGE IS DONE MAKING ME UNLOANABLE FOR A DEBT THAT IS LEGALLY IMOSSIBLE TO OCCUR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX   {$3900.00} ( 4 ) Dept of ED/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.

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 2019-04-28 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: MO

Complaint narrative:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) XXXX XXXX XXXX/ XXXX  {$7300.00} ( 2 ) XXXX XXXX XXXX/ XXXX {$5400.00} ( 3 ) XXXX XXXX XXXX/ XXXX   {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX  {$470.00} As a consumer I'm requesting that these accounts be removed.

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 2019-04-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, submitted a letter to Trans Unions concerning they obtained my bankruptcy through a 3rd party and not directly from the bankruptcy court. On XXXX XXXX, I received letter from Trans Union, file # : XXXXXXXX, stating the bankruptcy was DELETED from my credit report. On XX/XX/XXXX & XXXX XXXX, XXXX, I notified Trans Union after pulling my credit report the bankruptcy was returned to my credit report. Also on XX/XX/XXXX, I submitted a letter to Trans Union concerning XXXX XXXX account # : XXXX. I received a letter from Trans Union on XX/XX/XXXX, file # :   XXXX, stating this was DELETED from my credit report. Only to receive a credit report from Trans Union on XX/XX/XXXX, this item has reappeared on my credit report., along with the bankruptcy. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business day, I received NO such notification!! And this is a a very serious violation of the FCRA.

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 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I paid off my Citi card in XX/XX/2018. I am enrolled in paperless statements. There was a {$23.00} charge in XX/XX/2018. 

I have not received ANY statements from them until this morning, when I got a notice saying that my TWO accounts with them ( I only have ONE account ) were four months overdue. And they are charging me more than {$400.00} for that {$23.00} charge. 

I can not access their messages to me on their web site ; the system freezes and then I am locked out. 

I want those exorbitant charges removed. There is no way I am going to pay more than 1000 % interest on that tiny amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: KY

Complaint narrative:
In XX/XX/XXXX I had a cable account with XXXX XXXX XXXX XXXX  every month Bill would increase every month I called to have it resolved they would correct it.The following month same thing would happen and say they had no record of my calls this continued for 3months I finally told them I was cancelling paid my bill in full, and returned their equipment thru XXXX in that same week of canceling in their alotted time frame .Their claim is I owed for late equipment at the amount of XXXX .I went a year back in forth faxing my receipt from XXXX where I sent it back on time phone calls with every call no record of me speaking to individuals even when I would repeat their name and badge number. I recently found XXXX XXXX XXXX had sold my so called debt to ic systems which put a debt of XXXX on my XXXX XXXX report on XX/XX/XXXX. I placed a dispute with XXXX XXXX case number XXXX with no avail with that being said I don't feel as if XXXX XXXX investigated thoroughly partially being my fault I don't feel as if I gave them enough info but I did in fact try to contact them with more info and never received a reply thank you for your time and I hope if nothing else people will stand up against companies like XXXX XXXX XXXX I know I'm not the only one they have done this too.i have since then bought a house and all my debt is in good standing and on time..

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 2019-04-28 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 am a victim of identity theft. I have submitted police reports and all the paperwork verifying that Im a victim of identity theft. Equifax continues to report a fraudulent account on my credit file. The company is called XXXX. I dont even live anywhere near a XXXX. On top of that I was on XXXX military duty protecting and serving our country at the time overseas. I cant help that some scumbag may have stolen my identity. Equifax had a security breach and now they arent in compliance with the FCRA 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: CORELOGIC INC
State: CT

Complaint narrative:
I had no dealings with this company ... there are inquiries that were not authorized.

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 2019-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.

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 2019-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am signed into their system with a login and password but can not get in. Rejected. with multiple attempts and other methods they provide fail. Attempts to use chat, mail or other online functions fail. I even changed browsers but still no good. " Call back on Monday. '' Well sorry they then attach a late fee at the stroke of midnight on an already horribly usurious loan or to pay by some other means. By opinion a great way to make extra money for the bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion advertises FREE credit report. I went onto their website thinking I was getting a free credit report and they charged my credit card twice, once for the credit card and the other for credit reporting. This was very deceptive. I'm an educated man and they still got me to give them my credit card number thinking it was necessary for the FREE credit report. 

I contacted them with 24 hours of the error and they did not offer to refund my payment, but offered to cancel further charges to my credit card. 

What a good business model, pulling in potentially millions of consumers with the promise of a FREE credit report and then get them all for around {$50.00} before the consumer realizes what happened.

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