vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, It was in late XXXX XXXX 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: IN

Complaint narrative:
The account has been paid by Navient /Department of Education listed on website and my account Number says I have XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.

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 2018-01-02 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: CA

Complaint narrative:
On or about XX/XX/2017 my wife and I applied for a loan to purchase a used vehicle at XXXX XXXX, XXXX, California. We were trading in two vehicles for the one. We were told the loan was approved by XXXX XXXX XXXX XXXX, XXXX XXXX, California. A week after bringing the vehicle home and the dealership having our two vehicles, we were called by the dealership to go back and sign new paperwork since XXXX XXXX declined the loan. Without our knowledge the dealership made several inquiries ( hard hits ) on our credit to get a loan approved. A few days later we started receiving letters from various banks and credit unions explaining why were declined. We received one letter from XXXX XXXX which explained that although I had a credit score of XXXX I was declined for various reasons. One of the " key factors that adversely affected my credit score '' was " time at current residence ''. I have tried to contact XXXX XXXX, my personal bank, Experian and the Federal Trade Commission in an attempt to determine how it is possible 23 years at my current residence could adversely affect my credit score. I  have not been able to find an answer to this question! This should be spelled out somewhere with some agency.

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 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reviewing my credit report and it shows a collection agency that I do not owe. The creditor is XXXX XXXX, Open date X/XX/17 for {$1700.00}. I received phone calls probably a year ago which would correspond with this date that I owed a balance with an old credit card. I verified the account they were speaking of and told them that I had in fact paid this debt off and they wanted me to send them proof because they did n't have proof. I did not feel comfortable doing so and the phone calls stopped. Now I am noticing this on my credit score.

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 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
This company has been very deceiving. I received statements staying i was up to date with my loan for two to three month. Then i received a call stating that i have an agreement which i do not, and that i was behind. Then after the call i received a statement with a different amount. This is very confusing and deceiving and it 's damaging my credit, one month they report i am on time and not behind, then the next month they report foreclosure status all while i have been paying my monthly payments according to my statements. They need to make a forensic payments investigation with the underwriter department. In the state of MD they are required by law to send intent to foreclose and i never received such notice. I checked my credit and it was updated to foreclosure proceeding started on XX/XX/XXXX that 's how i know. They are illegally practicing collection efforts and taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for XXXX {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I made a same day {$9000.00} wire deposit transfer from my regions account with address as follows : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; to my coinbase account who as a company uses XXXX XXXX XXXX. The recipients address is as follows : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. 
The recipient bank address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is not responding to queries and the recipient bank is not being helpful. 

This money has yet to appear and it is Tuesday the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Hi, I have a transfer that was created XXXX XXXX and should have arrived XXXX XXXX the latest. The wire was for {$10000.00} and I was charged with a {$25.00} fee which I agreed to. I 've contacted the company and emailed them they let me know it would arrive today and it has not. I was promised 1 business day transfers. 

XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX {$9900.00} USD COMPLETED REFRENCE : XXXX account is under my email XXXXXXXXXXXX Please look into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The school XXXX XXXX XXXX close down in the middle of getting a certification the school lied and said that they were Having financial issues and ensuring us students that we will graduate and receive certificate but the school bankrupt in the middle and I was left without the education and stuck with heavy fines and fees which were XXXX XXXX at the time it was sold to another lender whom I dont have a agreement with because I did not get the loan though them so I have two issues one the loan was sold so I owe nothing because the agreement was with XXXX XXXX and two the school close and filed bankruptcy so I did not receive the education need to graduate and all I get it grive and talk down to from the new lender that I should stop trying to fight it which I will not because this is unjust and not fair I just want it removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX  Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I attempted to contact the regional supervisor over the property, XXXX XXXX XXXX XXXX, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on XXXX/XXXX/XXXX, after trying to contact the parent company XXXX XXXX on XXXX/XXXX/XXXX and was directed to resolve the issue directly with the regional manager. I contacted the office again XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of XXXX and received a confirmation that it was delivered successfully. I have also attempted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX through both phone and fax between these dates to provide documents which prove that a debt is not owed and none of these parties will consider the evidence that proves this, instead I have received forged documents that have copied my original signature and applied it to a document that I was never in possession of. I had a lease for a one bedroom apartment with a clean move-out checklist that showed now charges were due and no repairs needed made to the unit, but the document they provide that claims I owe a balance is for a two bedroom apartment. I did not rent a two bedroom and I have the clean move-out checklist/zero balance bill to prove it. Pro collect has contacted me repeatedly and refuses to provide me with proof that the debt is owed, instead only sending billing statements which claim my balance is due within a day of receiving the billing statement. I have provided evidence and they have confirmed receipt but will not accept it as a zero balance and they refuse to provide any proof that I actually owe the debt following my faxed dispute. They are trying to collect a debt that they are not owed and I can provide the document to prove it, which I have provided them on numerous occasions. In addition to billing me incorrectly after claiming I owed nothing after a walk through of the unit followed by the signing of the move-out checklist with the zero balance, they failed to provide me a copy of the bill they chose to forge within the 30 days they had to do so as outlined by Ohio Statutes.

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 2018-01-02 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: NJ

Complaint narrative:
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The account has been paid by XXXX XXXX XXXX XXXX listed on website and my account Number says I have XXXX balance

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