vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/2019, I was notified that FHA wouldnt finance a mortgage loan if the dispute was more than {$1000.00}, rather than continue to dispute the student loan, I paid it off with my debit bank card ( XXXX, which comes directly from my banking account. ) I informed the XXXX XXXX XXXX customer service rep, I need a formal letter stating the loan was paid in full for the underwriting department for my mortgage company to compete my loan process. 
I contacted XXXX XXXX XXXX on Wednesday, XX/XX/2019, and spoke with customer service rep XXXX, and she explained that I could not get a formal letter for 30 days because of the auditing process. I explained to her that would not work since I am trying to finance a loan for a townhouse. I asked to speak to a supervisor, and she gave me to a team leader, name XXXX. XXXX said, I can send an informal letter but I still needed to wait 30 days. I explained to XXXX according to the website I paid was reported, and do not understand why I can not received a paid in full letter. 
XXXX sent the informal letter, and I forwarded it to my mortgage, and the underwriting dept. refused the informal letter by 2 reasons : 1. the loan number on the letter did not match the loan number on the credit report, 2. the letter was not proof, that the student loan was paid in full. 
I again contacted XXXX XXXX XXXX customer service dept., and share with them the statement that my loan was paid via my bank statement. Again, the response was, we do not issue formal letter before 30 days. '' I have reviewed XXXX XXXX XXXX website 's FAQ, and there is nothing stating if the loan is paid in full, you must wait 30 days for an audit. Today, I spoke with another XXXX XXXX XXXX customer service rep, and was told that a manager would reach out to me on Monday, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-06-01 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: FL

Complaint narrative:
Due to a decrease in my income i fell behind in paying most of my bills, one of them was my credit card with XXXX XXXX XXXX. They eventually closed my account and sold it to XXXX XXXX XXXX, XXXX without my knowledge/permission. The owed amount was {$1300.00}. I agreed to pay XXXX on a monthly basis to cover my debt. I made the last payment to cover the full owed amount on XX/XX/XXXX ( see attached screenshot that amount was debited from my account on XX/XX/XXXX for  {$220.00} ). I have since then tried to have this derogatory item removed from all 3 of my credit reports but only recently discovered that the payment status is inaccurate on all 3 reports as seen on Experian, com ( paid service to view all 3 credit score/reports ). I confirmed with XXXX up to today XX/XX/XXXX that they received the final payment on XX/XX/XXXX to cover the full owed amount. I am concerned that the report is showing that i 'Failed To Pay or FP ' in XX/XX/XXXX ( see attached screenshot ). This is inaccurate information that is negatively impacting my score and as such hindering my opportunities to access favorable interest rates on a mortgage.

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 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-06-01 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/XXXX I had an XXXX  XXXX that cost {$3900.00}. I accepted the equal pay contract where I was told I would be required to pay {$160.00} a month for 24 months and the XXXX XXXX would pay off with no interest. I have made every payment on this bill and the XXXX XXXX will not off at the end of the promotional period. I called in XX/XX/XXXX and spoke with a representative who stated they identified that the system failed to allocate one of they payments I made to the promotion. I was told that an escalation ticket had been submitted and the error would be corrected in 1 to 2 billing cycles. I followed up in XX/XX/XXXX and was told that it could take up to two billing cycles for the error to be corrected but it would be corrected. I called on XX/XX/XXXX and was again told that there was an error in the allocation and it would be corrected. I called back on XX/XX/XXXX to confirm that the correction was going to be made and was transferred to XXXX operator XXXX who was very rude. She told me that I should have caught the error sooner and that there was nothing that could be done to fix this mistake. I asked her why three other agents and one supervisor told me something different on various dates and she was curt and implied that they were wrong. I am not incurring {$1500.00} interest on this purchase when I have made every payment that has been due on this account as contracted. It is unfair and deceptive to advertise that these equal pay promotions will pay off when a certain amount is paid and then fail to properly allocate payments to ensure that the promotional purchases actually pays off as contracted. My account needs to be corrected to ensure that I am not charged any interest on this promotional purchase because I have paid as agreed.

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 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I logged into my Chase banking account to manage my finances. I noticed one of my two checking accounts balances seemed low so I double-checked the transactions. In doing so, I see 2 Quickpay with XXXX transactions on XX/XX/2019, one for {$1000.00} and the other for {$530.00}. I have never seen the names the money went to so I immediately called Chase customer service to report the fraud. They recommended me to visit a branch in-person to close the account. I immediately go to a branch to close my checking account that I had for 20 years and open a new one, to prevent any further fraudulent activity. Chase informed me that while they investigated they would temporarily reimburse the lost money. 

On XX/XX/2019 I received a letter dated XX/XX/2019 that Chase had completed their investigation and has found that the transactions were processed correctly or was authorized. Also that the funds that they had initially reimbursed me would be removed on XX/XX/2019. I immediately call the number listed on the letter in which the person I spoke with recommended I visit a branch instead. I return to the same branch near my house to dispute the letter. I go over the issue with the Assistant Branch Manager and she escalates the case with Chase Fraud Department. I asked Chase for the information that was used to determine my case and was told that they could not give that to me although in the letter, it specifically says that I could request it. Instead I was advised to take screenshots of my phone and laptop ip addresses and to email them to Chase Fraud Dept. The Asst. BM lets me know that it will take a few days for them to review the case but reassures me that she will keep me updated. 

On XX/XX/2019, Chase withdraws the funds as was indicated on the letter and I call the Asst. Branch manager to re-inquire about the status of my case. She lets me know that while they reopened the case, it was not possible to postpone the withdrawal and that currently the escalated case was still under investigation. She mentioned she would get back to me within another week to give me another update. 

As of today, XX/XX/2019, Chase has withdrawn funds from my account in the amount of {$1500.00} that was never authorized by me. Currently I am still waiting for an update and have reached out a few times by phone and email. I have not heard anything. 

I have been a loyal Chase customer for 20 years with 2 checking accounts and approximately 6 Chase credit cards. I requested them to review my usage habits as I believe it is quite evident in my behavior and reiterated that the 2 transactions were fraud. Absolutely incomprehensible that Chase would allow this kind of fraud to occur and then turn around and make me responsible for it. I will definitely rethink who I bank with if this is how Chase resolves their issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I wanted to purchase some in XXXX XXXX from a guy online and I was talking to him through an app called XXXX I sent him {$42.00} for the XXXX for a game called XXXX XXXX he immediately blocked me and never sent me the XXXX therefore scamming me for XXXX dollars. I would like to get the money refunded since I was scammed, I contacted paypal and they told me there was nothing I could do since the guy made me send the payment as family/friend. I have attached images showing that he scammed me and blocked me after I sent the money I will also share with you the paypal transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America small business checking account at the end of XXXX. My account is a little over a month old and I've deposited 3 checks so far from the same employer/contracted agency and all 3 of my checks have been put on hold for 12-15 days. I have tried to fix with issue with the bank. It is my first time using Bank of America. I'm a loyal XXXX customer, however, for my business account I decided to give BOA a try. My first check deposit was done on XX/XX/XXXX, and was put on hold until XX/XX/XXXX. Customer service is extremely rude. I've tried going to the bank and asked them to return my check from the ATM machine because I have bills to pay. I was told that the bank will not do that and I would have to call the customer service line and ask them to see if they'll be willing to get my check out of the ATM and mail it to me. Which obviously would've taken longer than the time it would take them to clear it. The bank manager XXXX XXXX at the branch on XXXX XXXX and XXXX, in XXXX XXXX was very rude and told me you're going to have to wait. I asked how long is the account considered a new account. He said he does not know and I'll know once my checks deposit without a hold. Is that even a legit answer? I trusted this bank with my money and they're giving me the runaround. I have regular deposits every 2 weeks of around the same amount. I've threatened to close my account if this continues but they do not care. I deposited another check on XX/XX/XXXX in the amount of {$4800.00}. The bank told me it will not be available until XX/XX/XXXX. I have bills to pay that are all due the first week of the month. This is unfair and very unprofessional. They're doing nothing to address my issue and won't give me a timeline of when my account will be considered " Not New ''.

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 2019-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Unauthorized account ownership of a store credit card. I was helping a friend out with car problems and he didn't have the money to pay for new tires. I agreed to be an authorized signer for a XXXX XXXX XXXX   credit card. Not an owner of any sort because I didn't want it to be part of my credit. I was deceived and misinformed by the employee of XXXX XXXX, he said I wouldnt be an owner or liable of the account if they use me as an authorized signer to help my friend get approved. I signed not knowing what I was signing because I was young and they made it seem I wouldnt be affected at all. This took place around XX/XX/2016 at the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX, AZ. Ever since Ive been trying to get this corrected and off my report and nothing has changed when it was never authorized. It says I am the sole owner of the account which I never agreed to be an owner but it doesn't report on my friend at all when he signed paperwork in front of me to be the sole owner of the account and it shows up in my name? I feel mistreated and abused by XXXX XXXX for putting something in my name only when we both signed the paperwork but I only signed as an authorized user to help his approval odds.

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 2019-06-01 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: TN

Complaint narrative:
Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 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 2019-06-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying over SEVEN MONTHS now to have Experian properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( Experian ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person.

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 2019-06-01 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: TX

Complaint narrative:
sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neches

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: TN

Complaint narrative:
Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase maintains that they can not place a Fraud Alert on my account after their recent data breach, resulting in a very specific phishing email I received today and reported to Chase Customer Service. 

Please contact me regarding corrective action that needs to be taken by Chase.

Company response to consumer: Closed with explanation