vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX 4 fraudulent checks were deposited to 2 of mine and my sons account,. On XX/XX/XXXX I went to the bank and spoke with XXXX about them, he suggested that the 2 accounts be restricted and because my social security just went into account he suggested to open a new account and to use the current debit card. He also said my sons account should not be affected. XX/XX/XXXX I  went to the bank to make deposit to pay my bills and found out all accounts had restrictions and I was being charged several fees. I spoke with XXXX and he called home office and spoke with XXXX and she told me I could no longer be one of their customers, I said ok, but if they were closing all accounts I wanted my money and she said no and XXXX said he could not do anything. Today XX/XX/XXXX my son and myself went to chase to officially close accounts and get our remaining money out, which for my son is {$640.00} and mine is {$800.00} they told us no that it would be mailed to us in about 10 days. Not exceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??

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 2017-10-11 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: AZ

Complaint narrative:
On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.

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 2017-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was a victim of identity fraud. Someone used my information to open an account with Care Credit. The account was opened without my authorization. I received a billing statement in the mail, which was my first knowledge of the account. I contacted Care Credit on XX/XX/XXXX. I was told the account would be closed, and an investigation would be completed. I was also told that I would received a package in the mail to complete. I was told that I would have the package in 30 days. Today, is XX/XX/XXXX, and I a still waiting on this package. I made a second call to Care Credit on XX/XX/XXXX, to be told that no investigation was started. The investigation started on XX/XX/XXXX. I have still not received a package.
I am still receiving a bill from Care Credit. I received a letter dated XX/XX/XXXX that I was not responsible for the charges, and that there is still a bill. I had requested a copy of all transactions from this account. I HAVE NOT RECEIVED THE TRANSACTIONS AS PROMISED. I WAS TOLD THAT MY ID WAS TEXTED TO THE DOCTORS OFFICE. I WOULD LIKE TO SEE THAT TEXT MESSAGE AND PIC ID, ALONG WITH THE APPLICATION TO OPEN THIS ACCOUNT. WHICH I DID NOT AUTHORIZE. I CONTACTED CFPB WITH CASE # XXXX, PLEASE HELP

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 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I paid the bill in hopes to get it back but they said I 'd have to pay a different installation fee and to send the equipment back so I wo n't be charged for it but they never removed the charges!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XXXX XXXX prior to closing on a refiance i contacted wells fargo, the mortgage holder, to inquire about payoff amounts. I was informed prior to the call that under FHA terms interest was allowed to accrew through the end of the month ; but that interest could be waived and prorated. 

I brought this to the attention of thd wells fargo representative, and she confirmed that they would prorate my interest, as allowed by new fha guidelines. However, after the payment was received I was informed by wells fargo that they would not be prorating my interest. 

They are of course entitled to do so, however they should not be allowed to essentially lie to me about if they are going to. While not a great deal of money, some XXXX $ ; I had planned on those additional funds being availible, because they told me so. This is a company that appears to be continuing to use deceptive tactics.

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 2017-10-11 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: IL

Complaint narrative:
I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for 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 2017-10-11 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 have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.

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 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Union Credit Corporation
State: GA

Complaint narrative:
I have had XXXX insurance since XXXX. I should n't owe anyone anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX a loan was taken out in my name with XXXX XXXX. I believe it was a third party company that submitted the loan application to them in my name for a XXXX XXXX XXXX for {$34000.00}. 

I submitted a dispute to them in writing, where they sent me the original agreement that was sent to them with what appears to be my signature. 

I have never been in this car nor have I ever seen this vehicle. As soon as I found out there was a car in my name, I called XXXX XXXX and advised them to pick it up as it was fraudulent. They got the car, however still held me responsible for the finance charge, which is still effecting my credit. 

To add to the issue, I reviewed the employment verification documents and it shows that I 've worked for XXXX XXXX XXXX, making $ XXXX as an office XXXX, which is incorrect. I have been a nurse for over 10 years and have never worked at XXXX XXXX XXXX. 

This issue has caused an extreme issue with respect with me getting approved for a home loan at no fault of my own. 

I have dealt with this for months and am at the point where I need the accounts removed and removed from my credit report immediately. It clearly shows that XXXX XXXX has been engaging in unfair practices at my expense. 

Please help. I have no other alternative for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. 

Each time, they demanded that I phone. 

When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. 

This is so typical of the service I have received recently from them. Time to part company forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: IL

Complaint narrative:
In my previous complaint XXXX. Equifax stated they reviewed my complaint and its records regarding my dispute. They responded the disputed inquiries XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX are currently not reporting on my Equifax credit file. Written confirmation was to been mailed to me. XXXX XXXX XXXX, XXXX I checked my credit report and the inquiries are still reporting. I called Equifax and was told they would n't be removing the inquiries. I was also blocked from accessing my report online through their website/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Someone in Florida tried to open 5 credit cards using my info. This happened through syncb. They appear on my Credit Report as hard inquiries. They are : syncb/XXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX. I never ordered any of these and would never. 
They appear on my credit report ( through XXXX XXXX ) as hard inquiries and could stay on my credit report for a number of years. Please have them removed and make sure they were never opened.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have had a PMI with PNC Bank XXXX formerly XXXX XXXX ) since XXXX. I 've recently had an nationally certified appraisal on my property and realized the value has now exceeded the necessary 80 % Loan-to-Value amount. I reached out XXXX/XXXX/XXXX to PNC Bank to proceed on removing PMI and was informed that PNC Bank is requiring me to conduct an appraisal through an appraisal company they own and pay an appraisal fee that is twice the normal amount. They refused the nationally certified appraisal and are denying my ability to remove the PMI I qualify for until I pay their fee. I cited that none of the mortgage/closing documents say I have to use PNC Bank 's appraisal company. They agreed that there is no language or binding agreement, but that they have instituted this policy and will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I send {$90.00} to my cousin in XXXX, she try to pick up the money the next day, true the companie MONEYGRAM they told her that the transaction was cancel or someone pick up the money, but she was the only person authorized for this transaction I talk to her, she doesnt get any money, she ask who sings they set theres no signature, I havent have any help from the company and have no been refund what can I do to get my money back?

Company response to consumer: Closed with monetary relief