vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from Chase Bank on XX/XX/18 about suspicious activity on my debit card. They recommended that I cancel my card and let them send me a new one - which I did. The debit card was used in XXXX XXXX, TX ( XXXX area ) to get cash at a XXXX store and I live in XXXX, west side of XXXX. There were two back to back purchases/withdrawals as shown on my bank statement and I will attach that to this complaint. I was in possession of my debit card and used it at a XXXX in XXXX on the same day - also shown on my bank statement. Initialty Chase Bank refunded my money but then reversed the credit to my account 5 days later. I called and spoke with the Chase fraud department a couple of times but they felt like the cash withdrawal was somehow authorized - even though they initially flagged it as fraud. I told them I was at home that day - not in the XXXX area, no one had my authorization to use my card number, I'd never been to XXXX XXXX or taken cash out at XXXX anywhere. I told them it was fraud and I would submit a sworn statement or take a lie detector test - they were not interested. I'm also including a copy of a letter I mailed to Chase ( a XXXX XXXX address provided by the Chase Fraud department ) over two months ago. They never responded to the letter and it was not returned as undeliverable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 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: NC

Complaint narrative:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

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 2019-03-25 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: NC

Complaint narrative:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NC

Complaint narrative:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

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 2019-03-25 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: GA

Complaint narrative:
Equifax is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and Equifax. I need your assistance in getting this item removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
old dept now greater than 15 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Recoveries, Inc.
State: NV

Complaint narrative:
See Complaint XXXX it was sent to a company with almost the exact same name and was denied as a result. I am resubmitting under a new complaint.

I met the requirements for the ability to benefit False Certification to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

Moreover, I only filed one False Certification. After it was denied by National Recoveries the Department of Education automatically denied it as though I submitted it twice. This is also illegal.

Lastly, when I called to ask for a fair payment arrangement I was denied. This is also highly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Total Finance AC LLC
State: WI

Complaint narrative:
I financed a vehicle from XXXX with Total Finance Company in XX/XX/XXXX. Upon financing the vehicle I was told that I didn't need full coverage insurance. I got into a car accident XX/XX/XXXX.  The finance company tows the vehicle away XX/XX/XXXX They have had the vehicle since then up all the way until now. they have had my vehicle for two months now and every time I call they tell me my vehicle is under review. They are still collecting payments for my vehicle but yet they are not giving my vehicle back or letting me know if they are going to fix it or not. They claims department doesn't answer the phone and when you try to file a complaint no one never answer the phone. This finance company is a scam. And they keep threading me saying well if you don't pay your loan we gon na hit your credit. 
These people are telling folks they don't need full coverage insurance on their vehicles and taking their cars hostage and still making them pay for loans hoping they eventually default because they know people are not going to pay for product that they don't have. If this finance company would have never advise me that I don't need full coverage insurance I would have had my cat fixed and would not be going through such hard ships this finance company has cost me two jobs because the won't relinquish my car or fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED XXXX DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM XXXX. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT 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 explanation
Consumer complaint received 2019-03-25 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: PA

Complaint narrative:
There was a 30 day late reported with a line of credit in XX/XX/2019. I spoke with someone in the bank who advised me to dispute it and I was told that it would be updated as current not late. When disputed with the credit card bureaus the issue was never updated properly or resolved. This is a Line of Credit with 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 explanation
Consumer complaint received 2019-03-25 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: PA

Complaint narrative:
There was a 30 day late reported with a line of credit in XX/XX/2019. I spoke with someone in the bank who advised me to dispute it and I was told that it would be updated as current not late. When disputed with the credit card bureaus the issue was never updated properly or resolved. This is a Line of Credit with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TX

Complaint narrative:
sent double social that was on 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 non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Pentagon Federal Credit Union ( penfed.org ) Application for Line of Credit for Investment Property Closing documents for loan received XX/XX/2019. 

Closing documents included a document entitled : " Occupancy and Financial Status Affidavit '' ( PenFed XXXX ( XX/XX/XXXX ) - XXXX XXXX This document requires a signature certifying that the property being mortgaged will serve as my primary residence. 

PenFed Credit Union was aware that the property WOULD NOT serve as my primary residence. I brought this fact to their attention ( representative name XXXX XXXX ). XXXX XXXX assured me that PenFed understood that the property was not to be my primary residence, yet he informed me that the document needed to be signed, anyway. 

The document states that the Federal Credit Union Act ( 12.U.S.C.1751 ) prohibits Pentagon Federal Credit Union from making a mortgage loan on a home that will not be the principal residence of the member. 

The fact that the property WOULD NOT be my principal residence was submitted multiple times, although the application process encouraged me to say that I " could possibly '' reside in the property ( apparently in order to get around the FCUA regulations ).

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 2019-03-25 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: GA

Complaint narrative:
XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.

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 2019-03-25 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: GA

Complaint narrative:
XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.

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 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I ordered dresses from XXXX on XX/XX/XXXX and paid for the three day expedited shipping. By the end of the first week of XXXX, I emailed to inquire status and then I cancelled my order. The second week of XX/XX/XXXX, I had not received my items, I cancelled my order again and told the company I do not want to do business with them. They sent me a return email stating that my order was on the way. I told them again that I didn't want it and they in turn sent me the order at the end of XXXX anyway. I had to send it back PAYING SHIPPING AGAIN when I told them not to send me the order as it was cancelled anyway! I paid for these items through PayPal Credit and to whom I sent in a dispute. After months of going back and forth, I received an email from Paypal stating that they denied my dispute as the reason of my items not looking the same, they are not seeing proof. The items looking the same was NEVER my claim. My claim was that I paid for three day shipping on XX/XX/XXXX, but cancelled my order my by three first week of XXXX. This company forced me to do business with them by sending the items anyway AND I DID NOT RECEIVE THEM UNTIL THE LAST WEEK OF XX/XX/XXXX. I TOLD THEM I DID NOT TO DO BUSINESS WITH THEM AND TO REFUND MY MONEY. I HAVE THE EMAILS REQUESTING THIS. Paypal will not accept an appeal from this unresolved dispute ; They simply just toy around with me by keeping me on hold. Very XXXX!!!! XXXX says not to return to the address given but, would not provide another address. I returned items to address on packages.

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 2019-03-25 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX. 
I applied for a XXXX XXXX XXXX to see what my interest and credit limit would be. 
Once XXXX  got the application they set me up for a account with a credit card when I had called them and told them I was only checking what the interest and limits would be. 
I never received a credit card and never activated a credit card with this company, but yet they show on all 3 credit reports that I closed a credit Card account with them, This hurts my credit reports a lot. 
I called them and told them I did NOT want to use there services or credit card and never Opened a account with XXXX XXXX XXXX XXXXXXXX 's. 
Please remove the closed account from all three credit reporting agencies.

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 2019-03-25 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: TX

Complaint narrative:
sent double social that was on 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 explanation
Consumer complaint received 2019-03-25 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 double social that was on report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
This company won't stop sending me letters about a debt I do not owe. I have paid all of my debts in a timely manner for longer than any statute of limitations that may apply. I don't recognize this debt, and if it were ever mine, it is way beyond any statue of limitations and is time-barred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have an AUTO Policy with USAA. My vehicle was deemed a total loss. The bank whom also manages my checking account collected money off the top of this vehicle loss. I contacted them and told them I will not be adding any other vehicles and I did not have any vehicle rental options on my policy So It Should Have been Closed. Instead they kept withdrawing payments from my account stealing my money via draft. I filed a complaint with the CFPB last week 2 times and they sent a man names Mr XXXX to call me. He threatened me telling me that If I sued him he would simply report a lapse in my coverage when I dont have a vehicle! I told him cancel the policy and this is what he told me! Please assist me in canceling this policy. I sent you proof that the Investigation was over. I need an executive to help me in this matter. They sent me a check and collected a percentage on the loss. Close my account now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
TIAA Bank illegally withdrew {$840.00} from my bank account on XX/XX/19. When I phoned them regarding this issue TIAA admitted they were in the wrong. I instructed them that the unauthorized debt amout of {$840.00} needed to be credited back to my bank account because it will deplete my entire bank account for the month of XXXX. I was informed that it would take 2-3 weeks to do that. I immediately filed a stop payment and unauthorized debt of my bank account. After numerous phone calls to TIAA Bank I was informed to wait and make my XXXX mortgage payment when the 2 unauthorized payments made by them cleared my account with them. In the mean time they froze my account, would not allow me to make a payment by phone or online. After leaving several messages with TIAA Bank without receiving any call backs from them. All this resulted in delinquency notices, late fees, NSF fees and negative reporting to the credit bureaus. All this was caused 100 % by TIAA Banks poor practices, illegal bank debts and a complete unwillingness to resolve the issues they caused. All I received from them was we know we are in the wrong regarding this problem to your account, but you the customer need to file a complaint with us to resolve the negative credit reports they sent because they were generated by our computers. I have also filed a complaint with the XXXX regarding these shady montage practices by TIAA Bank. 


I made the following phone calls to XXXX Bank : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 * Description of calls attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received an alert that I got a hard check of my credit. I checked it out and XXXX checked my credit. I did not request this check at all. I am not a XXXX customer and have no intention of becoming one. Here 's the information provided : XXXX XXXX Request from : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Since it was only a credit check and an account was not opened, I could not submit a dispute with TransUnion ( the credit agency checked ). I called XXXX and they said they do not have a fraud department and could not provide me with any information because I was not a customer. I called TransUnion back and they said that I needed XXXX to provide a deletion letter and I needed to also send them an authorization letter. I called XXXX back and they have a specific policy where they do not provide deletion letters. 

So essentially, I'm caught in a loop where TransUnion won't remove the inquiry because I need a deletion letter from XXXX and XXXX has a policy where they do not provide deletion letters. Apparently this credit check caused a 5 point drop in my credit score. I want it 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