vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 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: IL

Complaint narrative:
Someone stole my daughter 's identity and was using it do online transaction. OnXX/XX/XXXX, my daughter received a report from Chase Bank, alerting her to an overdrawn that left her account in the negative. She contacted Chase customer service and she was put through to the claims department where she  disputed the claims. She was told that after an investigation, that she would be contacted. I made sure to remind her to keep up with them, Chase Bank did n't send any letter to inform us the outcome of their investigation. We did n't know what was going on. I was concerned because when I first opened that Chase account for her, I linked my account to hers, so I could monitor her spending habits. This person continued to write checks in my daughter name and deposit it online. A total of {$3600.00} was deposited and withdrawn from her account. by this person. Meanwhile at the time of the Illegal online transaction my daughter has only {$90.00} in her account. 
On XX/XX/XXXX, when my daughter turned XXXX, without a completion of the investigation by the bank, the total amount that was withdrawn from my daughters account, was withdrawn by Chase bank, from my account. I called the bank and tried to find out why they had taken money from my account and they claimed that it was because it was linked to my daughters account. I repeatedly tried to explain to them that I didnt think they should have taken money from my account, especially considering that the overdraft was not from my personal account and besides, it was an unauthorized transaction. I tried to explain several times with the hope that they returned my money, all to no avail. Chase Bank later sent an affidavit to my daughter explain to them what she knows about this unauthorized transaction, of which did. It was afterwards that bank sent a check to my daughter in the amount of {$2100.00} with holding {$1400.00}. On XX/XX/XXXX, the bank started taking money from account again without any explanation. In separate occasions in the month XX/XX/XXXX, they took {$330.00} and {$480.00}. I called the bank to find out what was going on they told me they want recover the money that was sent to my daughter. They told me make payment arrangement. Chase bank could not protect my daughter 's account. Now I 'm being penalize for unauthorized transaction from daughter account. Look at little me and giant Chase bank taking the little I have. I have attached my supporting document with this complaint. I would like Consumer Finance Protect Bureau to investigate this matter. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
My initial loan in XX/XX/XXXX was with XXXX, then XXXX XXXX XXXX now Seterus. XXXX put me into a XXXX loan with escalating payment resulting in a refinancing after less than 6months in XX/XX/XXXX. This cost me additional closing cost immediately deminishing all equity in the home. As an equity loan was taken to pay the additional closing cost. This began the spiraling downhill financial strain I now face today. At the time of the initial mortgage, I could sustained the additional cost at that time as I was employed full time. InXX/XX/XXXX I lost my full time employment and eventually was unable to keep up with the mortgage. I reached out to XXXX XXXX XXXX, the initial modification and it was granted. I resumed payments when I secured a fulltime position inXX/XX/XXXX, but unfortunately was laid off in XX/XX/XXXX. The second ( {$1100.00} ) and third modification ( {$1100.00} ) were basically the same amount and did not provide the relief in financial burden that could be sustained. I have since secured employment and reached out to Seterus since XX/XX/XXXX to present and have been consistently denied for a modification although the value of the home has been in an upside down position for the past 8 years. The taxing authority in the township has acknowledge the decrease in value, other home sale in the area have been tippering in the range of {$80000.00} to {$140000.00} and yet the mortgage company refused a request for principal reduction and/or modification claiming among other reasons, " interest rate not fixed rate '' when they were the one who took away the fix rate and offered an adjustable, which I was unaware of.
I have XXXX XXXX in XXXX and XXXX in XXXX XXXX and have been a XXXX mother working all my life to maintain a home for my children and I. Unfortunate circumstances beyond my control have brought me to this point, however I still a wiling to pay the mortgage, just need one that is affordable and does not cause such financial burden.

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 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My monthly mortgage statement shows " Outstanding payments, fees, and charges '' of {$15.00}. I tried to pay this {$15.00} in each of my XXXX and XXXX payments. I clearly wrote on each XXXX and XXXX payment coupon " Outstanding fees '' and " XXXX ''. However, Bank of America did not apply the {$15.00} to outstanding fees, as shown in the XXXX and XXXX billing statements.

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 2017-09-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have student loans I can not pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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 CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to Equifax 's lack of adequate security, my personal information was made available for misuse. I have had to freeze my credit to protect against this misuse, but my personal information can not be taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I am a physician attempting to repay my student loans. This is my third complaint regarding Navient. Most recently, I made a large payment towards my principal and was assured multiple times my monthly payments would be reduced thereafter. 

However, I have been charged the same monthly amount via automatic debit every month since that payment. 

As usual, Navient 's customer service has been useless and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TN

Complaint narrative:
several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

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 2017-09-20 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
There are two inquiries on my credit report for XXXX XXXX XXXX . One inquiring is for an airlines/cruise lines credit card and the other inquiry is for a Walmart credit card. I have reached out to SYNCB that I did not authorize these inquiries. They were not able to provide me with any personal information other than my social. I have never applied for a credit line with XXXX, Walmart or XXXX. The date for the Walmart listed inquiry is XX/XX/XXXX and the date for the airlines inquiry is XX/XX/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 2017-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my credit score and future opportunities.

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 2017-09-20 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: NY

Complaint narrative:
I consolidated my Federal Student Loans with XXXX in XXXX 2016, but Navient is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting Navient both verbally and in writing about correcting this information. Navient is no longer the agencies for my Student Loans, the accounts have been paid in full to Navient, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted Experian on XXXX XXXX, XXXX @ XXXX informing them of the fraudulent inquiries on my credit report. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for XXXX minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Experian. I asked that the CFPB help me stop Experian from victimizing 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 explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: LEXISNEXIS
State: TN

Complaint narrative:
several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX loans have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: Innovis
State: TN

Complaint narrative:
several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( innovis ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: NY

Complaint narrative:
I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

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