vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received a credit alert from XXXX XXXX  XXXX  on XX/XX/2019, XX/XX/2019, and again on XX/XX/2019 with a message Alert Type : Potentially Negative - Major Derogatory A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identify theft. Balance {$360.00} Collections Open date XX/XX/19 Payment Status Grid Code G ( Collections ) Diversified Consultant with the companies address and phone number. I called and spoke to someone and they told me they could look this up by pulling my credit report if I would give them permission which I did. They said this had to do with an original creditor XXXX XXXX XXXX. I later spoke to my husband and we both remembered when we switched from XXXX XXXX XXXX to XXXX we called several times to confirm and XXXX XXXX XXXX   told us we did not owe any additional fees. I have not contacted anyone since I did not want to have anyone start calling me. I also have not gotten any mail or phone calls from this company notifying me I owe them anything. They have put this on my credit report 3 times. I called on XX/XX/2019 and asked what I should do about this and another representative said I could open a dispute and sent me over to the dispute department or so I thought. Took additional information from me and said it would take 30 days and I would hear something. When I saw the 3rd negative mark on my credit on XX/XX/2019 I called again and that is when I spoke to a customer service representative and she said these could be removed and she did not see where any dispute had been opened for me. She transferred me over to the dispute department and I spoke to a lady who told me the additional negative information put on my report on XX/XX/19 & XX/XX/19 by the same company and the same amount of {$360.00} could not be removed and they could put this on my report every day if they wanted to it just depended on how they did business. I asked if I could dispute this and she said she would open up a dispute. I don't know if she did or not. I really don't know if this company will continue to add negative credit information and who they are. I am worried. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, Chase Bank closed all of my personal credit cards and also informed me they will be shutting all of my personal bank accounts on XX/XX/XXXX. I have been a Chase customer for over 25 years and have never been delinquent on any loan and have always maintained all of my accounts in good standing. This decision caught me completely off guard and to make matters worse, when i called Chase and asked them why they are doing this to me, they refused to give me a reason other than " its a bank decision ''. This is no way to treat a customer and it has created a tremendous burden on me and my family. My credit score has also been affected because of my credit cards being shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the evening of Wednesday XX/XX/XXXX, my personal PC notified me that there was an infection. My computer was slow sluggish with multiple processes active that I had no idea about. The infection allowed remote control of my pc. I did my very best to use whatever software I had to help clean the infection over the next few days days. 

On Thursday XX/XX/XXXX, my personal email address that I use for multiple account was flooded with thousands of emails per hour. This was a red flag. 

Also on XX/XX/XXXX, my XXXX account was compromised and there were 2 orders placed that were unauthorized as claimed by XXXX. 1 was a a gift card for {$50.00} to an unknown person and email address. The other was an item purchase ( {$34.00} ) that was sent to myself as a cover up. XXXX has addressed the item for {$39.00} claiming it was unauthorized but not the purchase of the gift card. This all was discovered that night. 

Also on XX/XX/XXXX, my Chase account was accessed and sent a {$500.00} quickpay transaction and tried to spoof it according to my 2 other quickpay historical transactions. I send money on rare occasions to my fiance. The hacker used the same name but instead of sending it to her email ( linked to her chase account ) like I typically do, it was sent to a random phone number. 
I noticed the transaction with an alaert on Sunday XX/XX/2019. Chase took immediate action, refunded my money and investigated. 

I had a fresh install of XXXX on XX/XX/XXXX to remove any last traces of an infection. 

On today XX/XX/19 I discovered that Chase did a reversal of the money and withdrew that {$500.00} back out of my account. At no time did a Chase representative call me to ask me my story during their investigation. I went to a branch to see what they could do. They claimed that the transaction came from my same IP address. This would make sense seeing as my computer had been compromised and remotely accessed. 

What Chase is not considering is that the hacker had access to my computer and made transaction while I was not at it. I will ask them for times associated with the transaction and will use my XXXX location history to prove I was not indeed at my computer at those times. 

I am in the middle of submitting a reclaim with chase and providing documentation to support it. 

I have since increased my security, changed all my passwords, had chase issue a debit card and put XXXX security on all my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please correct my XXXX Credit and all credit reports including Equifax and XXXX to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please correct my XXXX XXXX and all credit reports including XXXX and Experian to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! 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 2019-05-02 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: NY

Complaint narrative:
I putted in a dispute for a wrong address and two incorrect XXXX  XXXX XXXX Credit Card accounts showing up on my Equifax credit report. The result came back, deleted the incorrect address, but still remaining the two XXXX XXXX XXXX credit card accounts that don't belong to me. I contacted the XXXX XXXX XXXX, they don't have any accounts under my name or Social security number. I pulled the credit reports from two other credit bureaus, those two incorrect accounts weren't there, only showing up on Equifax credit report. At this point, I don't know what to do. I don't know how Equifax investigate the case. If Equifax had contacted XXXX XXXX XXXX, then they would know those accounts don't belong to me. Please advice. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had an XXXX XXXX/Synchrony Bank account that was paid in full and closed After sometime had past Synchrony Bank took upon their self to charge off an account that was already paid off and closed. 
I had several times in the past tried to solve this issue with Synchrony Bank, regarding my XXXX XXXX account. 
Approximately the week of XX/XX/2019 I received a check in the mail from Synchrony Bank regarding my XXXX XXXX account for {$140.00}. I reached out to Synchrony Bank regarding this check and they said this was a check for over payment on my XXXX XXXX account. The manager stated that the derogatory information will be removed from my Credit Bureau reports within a couple of weeks. At the past time the derogatory information is still lingering on my credit reports.

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX, 60 as of XXXX and XXXX, XXXX, 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I called yesterday to try to make a payment in full which is {$280.00}. But I have a recurring payment every month which is {$50.00}. So I called the customer service of the build company today to make sure they wont double charge my bank account. I found out the payment of {$280.00} didnt go through. They told me to call my bank which is XXXX XXXX XXXX. And I did. The bank said they didnt see any attemp or transactions from the build card company. So I called back n asked to speak to the supervisor. The supervisor said she cant collect the money either told me to call my bank. I already close the build card account, but today is the due day. If I dont pay it in full today, I will end up paying the interest tomorrow. This is is why I spent my day calling back n forth n still cant make the payment in ful. Funny, the customer service told me my recurring payment of {$50.00} dollars is going through tonight, but I cant make my payment in full. So I guess, the build card company just want me to keep on paying the interest every month instead of paying in full. It wastes my time of the day talking on the phone back and forth and still cant solve my problems.

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late in both XX/XX/XXXX and XX/XX/XXXX and 120 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 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: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref. : Ditech Loan # XXXX, XXXX Loan # : XXXX E-mail : XXXX XX/XX/2019 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : I recently had an extremely upsetting and very costly experience with your organization, regarding lost by 60 points on the credit score report. As you know my loaning ( see above Ref. # ) servicing was transferred from DiTech to your company. And within the 60 day time period your company and XXXX reported me 30 days late on loan payments. I made my payment on time to Ditch before you have taken over loan servicing. And DiTech forward monies on XX/XX/XXXX ( per your CSR ) which is not my responsibility to handle. However, CSR, spoke to me that it was my fault. How rude, unprofessional and unknowledge of the requirements in place to say such statement to a customer!. I request compensation from your company, causing a negative effect on credit score and also effect on my interest rate credit cards. 
Prior XX/XX/2019, I made my mortgage payment as per contract in place. Once I received a report from XXXX, XXXX and XXXX my credit score has been packed with report of late payment. I immediately contact your company, and out of multiple calls made I was told do not be concerned and also letters. XXXX is not permitted to make note of a late payment, or report to credit scoring agencies. However, that is what you exactly did anyway!! Furthermore, out of all contacts I made to your company, only one CSR was professional and respectful to me. All other treated me like a deadbeat person. Where do you get off treating customer in such a poor manner. 
This XX/XX/XXXX, and still you have not corrected your error. Even though, you reported me late with 60 day grace period and almost immediately after XX/XX/2019. Such a swift action, but you are still not able to be as swift in correcting your error. It is amazing this how your company acts and treats a new customer. 
In an addition I am sending this complaint to Consumer Financial Protection Bureau for them have record and take further actions on your misdeeds. 
Please call me at ( XXXX ) XXXX or email that you are confirming receiving this formal complaint of misdeeds. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My correct date of birth is not reporting on my credit report. 

XXXX Incorrect addresses are reporting on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX 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 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: CA

Complaint narrative:
Loan Discharge : The XXXX XXXX ( XXXX XXXX campus ) announced its campus closure and assured me courses would continue through the end of the Fall quarter ( XX/XX/18 XX/XX/18 ). I enrolled for the Fall quarter expecting to have on-campus courses and complete a full semester. During the registration period, I was told that no courses would be offered. I kept looking myself and found some online courses to enroll in. 
Online instructors told me to purchase software ( XXXX XXXX XXXX ) the school was supposed to provide. The school was obliged to provide this, so it wasnt an option to purchase it on my own with no instruction or support. I went looking to all the recommended classrooms and the tutoring center and nobody had the software program. Other XXXX programs were unavailable as well. 
Also, all the teachers and support staff were leaving the campus ( like rats off a sinking ship ). There was nobody to help or give guidance. One staff in the tutoring center/library, one instructor, and one person in administration all advised me to leave XXXX XXXX as everyone was leaving and there was no access to resources. They were trying to help me, but the campus was being deserted. The XXXX XXXX has since closed more branches and gone into receivership. They are now backing out of all assurances made to students, such as transfer grants and reimbursements. 
We received a Loan Discharge Application ( due to campus closure ) from XXXX XXXX XXXX XXXX. That was completed and submitted timely and completely. Cornerstone summarily denied the application because ONE CLASS HAD BEEN ACCEPTED FOR TRANSFER CREDIT to a new major. They cited proof there was no teach-out agreement ( there wasnt ) and that NO credits could be transferred. I strenuously object to the ethical correctness of this decision. I dont see where one course applying to a new major negates the entire loan discharge process. I need your help to get my student loan properly discharged, as I received absolutely no benefit from my time, energy and expense at XXXX XXXX XXXX. I certainly should not remain financially obligated to XXXX XXXX for a tiny piece of education rendered, especially when they are now unable and unwilling to pay their own corporate debts and good faith financial assurances to students.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to " exercise its right to no longer do banking business with '' us. The letter further stated that " certain obligations were not met '' without elaborating on the nature of the supposedly unmet obligations. 

Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of " There's nothing we can tell you. '' To make matters worse, we are still insurance customers of USAA " in good standing '' ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website -- including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored. 

Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us. 

To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal closed my checking account back in XX/XX/2019. I have been trying to get this matter resolve since then. Until this day I have yet to get answer as to why my checking account was closed. I have email the CEO but have yet to get a reason as to why my account was closed. I really need CFPB to look into this matter for me. As I feel this was unfair as I haven't done anything wrong for my account to be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TX

Complaint narrative:
Their website does not work in terms of the complaint process. 

Their website pulls incorrect information in the security-question process rendering the service useless. 

These " credit-reporting '' agencies are incompetent and are affecting the daily lives of people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Solutions
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX we received an automated call from XXXX XXXX XXXX ( XXXX ) asking for XXXX XXXX and to have her call XXXX and reference case # XXXX. After pressing XXXX we were connected with an operator who refused to remove our number and threatened to " call our corporate number ''. After numerous requests to remove our number he decided to hang up

Company response to consumer: Untimely response