vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 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: VA

Complaint narrative:
credit reporting agency has not removed the TWO unauthorized inquiries from my credit report FROM 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 2019-05-01 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: OH

Complaint narrative:
On or about XX/XX/XXXX, I checked by chase account online. I noticed that all my funds ( {$1600.00} ) had been withdrawn out of my account that I did not authorize using chase quickpay through XXXX. I immediately called the bank to let them know my account had been fraudulently accessed and all my money was stolen from my account. They froze my account and stated that they would conduct a fraud investigation. I then changed all my passwords, usernames, and email and opened a new account due to this fraud. 

On or about XX/XX/XXXX, I called chase to check the status of my fraud claim only for them to say that they found no fraud and that they were unable to refund me my money that was stolen from my account and that I should seek outside sources.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01 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: NC

Complaint narrative:
Tried to purchase vehicle, credit report showed freeze/fraud alert. Did not place this on my personal file. Contacted Equifax the first time in XXXX. Was told to send copies of State Issued ID, utility bill and last 4 of social security number. Unable to verify security questions as well because information is obviously incorrect. Since that time we have faxed requested information to Equifax Dispute Department 7 times, most recentlyXX/XX/2019. It wasn't until fax number 4 we were told we must send an actual copy of Social Security Card. The previous four faxes can not be located by Equifax, yet they requested a copy of SSN be sent. It has been faxed to them 3 times. I have spoken to CSRs, Resolution Managers and to NO avail. I have names and badge # s of all spoken to. Calls lasting from 1 hour to 2 hours each time Equifax is contacted with NO resolution and my information faxed still not being found! Spoke with Manager on XX/XX/19 who assured the security of my SS card being received by their company and would be processed in 2-3 business days. She requested we call back on XX/XX/19 for update and status. As of XX/XX/19 they STILL have NOT received my faxed SS card! It's floating around somewhere! My ID and utility bill have been uploaded along with the last 4 of social, but NO CARD found. This is unprofessional at best, unexcusable and irritating! It is also quite difficult to speak with their agents who all have very thick foreign accents and read their information off of laminated copies back to you! I NEED HELP! Any information of who I spoke with and when, faxed info, etc. can be uploaded and sent if necessary!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LOAN TO LEARN
State: OH

Complaint narrative:
I have XXXX federal student loan and making payments under income base program. I paid my private student loan from XXXX XXXX and I paid it in full startingXX/XX/XXXXup to XX/XX/XXXX which was XXXX. Now XXXX XXXX is trying to charge me XXXX which I paid it in full 4 years. I have no idea what they are saying I have XXXX kids to take care and I do not have enough income even to pay my federal loan. I ask you to help me my condition because I am in big financial crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Auto reported to ( XXXX, XXXX, XXXX ) the credit reporting agencies a 30 day late for the month of XXXX. My XXXX payment is not 30days late until XX/XX/XXXX. I believe that Chase 's reporting system/model is fraudulent at best. It's misleading to lenders, creditors, potential employers, and me when attempting to gage my credit worthiness. Nevertheless, the payment was made on XX/XX/XXXX. So it'd be impossible for XXXX XXXX  payment to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: VA

Complaint narrative:
credit reporting agency has not removed the TWO unauthorized inquiries from my credit report FROM XXXX XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are some accounts that were paid by insurance reporting on my credit report as unpaid. I have sent a letter to Experian, asking them to correct the accounts, but they have not responded yet. Its been more than 30 days, and they were supposed to have gotten back to me by now. I am uploading a copy of the letter I sent to Experian.

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 2019-05-01 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:
I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. I have contacted the FTC and the local police. I'm doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, NA XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC 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 non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i had bank of america card for over than ten years on XX/XX/2019 i provided the credit card information to buy supplement online and the shipping was only the price for the first trial bottel of thirty tablets i recieved the first bottle and then my the card statement of a charge of XXXX dollar i contacted the bank and disputed the charges and then i tried to contact the merchant i failed to get both fixed so on XX/XX/2019 i called the bank and requested the change of my card they refused stating that the merchant will still charge my card so i asked them to close the account and they said this wouldn't help either so my card was charged {$400.00} dollar i drove to the bank and sat down with a baNKER associate for couple hours and she tried to help by callng customer service and disputing the charges yesterday which was XX/XX/2019 i recieved a letter from the bank refusing to reverse the charge i was able to close the card at the physical bank of America located on XXXX XXXX XXXX georgia

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 2019-05-01 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: GA

Complaint narrative:
I asked the company to investigate the inaccuracies incorrect spelling of my name, incorrect address, which they have fail too report the accuracies of the account.

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 2019-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I wrote to Equifax, to make the aware that there were errors on our credit report. We identified the errors that were reporting for each of us, and asked them to conduct investigations. Our understanding was that we should expect a response within a month. It has been nearly two months, and neither of us have received anything in the mail from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Both yesterday and today, XX/XX/2019, I have tried to contact Experian more than 20 times, tried various numbers. Every single number I call is operator and it is absolutely IMPOSSIBLE to speak with a Human. I am very upset and frustrated wasting my time while at work. This place is a complete scam. I am desperately trying to unfreeze my account. I had to freeze it because of Experian exposed ME to fraud issues over a year ago. I have my PIN and for some reason it is not working online and I can not do anything to unfreeze my account. There are absolutely no options.

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 2019-05-01 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: OH

Complaint narrative:
I have received calls in the past and each time ask them verbally to not contact me via phone. I have recently received 3 phones calls in the past two months. Each time I have informed them to not contact me again. Today the lady was rude and wanted to argue with me in regards to the law of a verbal cease order. She told me that each time I have asked them to quit calling that they have noted the account? Somehow they didnt stop because I am still receiving calls. I informed her that I was filing a complaint this time because they are repeatedly ignoring my requests to not contact me via phone. The company is Portfolio Recovery and the number that contacted me today was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( XXXX ) have provided me with anything, the creditor has not responded to my concern. 
PHOENIX FINANCIAL SERV did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Account # XXXX AND Account # 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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a telephone call from Mrs. XXXX XXXX ( phonetic ) of Chase Bank executive office who stated, they approved my reimbursement of {$2000.00} with regards to the City of XXXX, NJ vacant property registration fees and that it take SEVEN to FIFTEEN DAYS to receive my check. I reminded Mrs. XXXX that Chase Bank AGREED to reimburse for my expenses as well. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : 2016XX/XX/XXXX COMPLAINT # XXXX, " Regarding the XXXX, New Jersey Vacant Property Registration fees and charges, PLEASE SEND US AN ITEMIZED BILL SHOWING THE FEES CHARGED, INCLUDING AMOUNTS, DATES AND TYPES OF FEES, SO THAT WE MAY REVIEW ALL FEES THAT YOU PAID. Please send to : Chase Information Request XXXX XXXX XXXX XXXX, OH XXXX '' Despite requesting to be reimbursed for ALL of my out of pocket expenses, Chase Bank refuses DESPITE TELLING THE CFPB THAT THEY WOULD! In addition, Chase Bank stated to the CFPB that they did not receive my documents requesting assistance from them. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : XXXX COMPLAINT # XXXX, " OUR RECORDS DO NOT INDICATE THAT WE RECEIVED A COMPLETED APPLICATION WITH THE REQUIRED DOCUMENTS REQUESTING ALTERNATIVE PAYMENT ASSISTANCE ASSOCIATED WITH THIS LOAN. '' I previously submitted OVERWHELMING proof that I sent the documents to Chase Bank regular, certied, express mail & facsimile and I have attached a copy of the same in this complaint as well. More importantly, I read complaint ( s ) on the CFPB where citizens made similar complaints about Chase Bank lying stating that they did not receive their documents. Once again, I am requesting to be reimbursed for ALL of my expenses and I am requesting to reimbursed for Chase Bank INTENTIONALLY LYING TO THE CFPB by stating they did not receive my documents when in fact, I am/have submitted proof to the CFPB to disprove Chase Bank 's lies. I am submitting my itemized bill for reimbursement with regards to my expenses related to the City of XXXX Vacant Property Registration fees.Parking fees : {$100.00}, Gas : {$50.00}, Court Appearances & appearances with City of XXXX Officials ( approximately a dozen or more ) : {$1200.00}, Clean up & debris removal from XXXX XXXX XXXX XXXX XXXX, NJ {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/19 I received a call from an individual whose son I was in a relationship with stating that XXXX XXXX from Navient contacted her stating that I put her down as a reference and he was trying to reach me. The individual was upset be the call as she is not a blood relative of mine and does not have contact with me regularly. She tried to track me down. Once she reached me she provided me the name of XXXX XXXX and stated that he gave her a call back number of XXXX. I tried contacting this number at the line just goes busy and sometimes it says the number is not in service. The individual stated that the number on her caller I.D . is XXXX. I contacted that number as well and the same thing occurred. I " XXXX '' the number and it said that it was reported as a Scam. I also believe this to be a scam as I suspect that a known company like Navient would not result to seedy collection practice such as calling random individuals and lying to them about the contents of my loan documents. To my knowledge my loan is in forbearance. This individual was very upset. XXXX XXXX lied to the individual and stated that I put her down as a reference when I in fact had not even dated her son until after law school and didn't even know her is then. She just had a XXXX XXXX and spent weeks in the hospital. She was stressed, alarmed and very upset by XXXX XXXX 's call. Lying and being deceptive in debt collection is is illegal and what about my rights to privacy. The fact that he identified himself as being from Navient, although I suspect that he was not and was just some kind of a scammer, violates my rights. This lady may not be my mother but she is someone's mother. If her pressure had dropped or spiked and she went into another XXXX XXXX just because she answered her own phone and was lied to by a scammer. What would the recourse be? She is learning to just to read, write and feed herself now. She can't even drive anymore and it should not be okay for a debt collect or " scammer '' as I believe to put her through this. She didn't want me to say anything but I think this is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AES/PHEAA
State: FL

Complaint narrative:
Student loan accounts were under XXXX Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
XXXX XXXX XXXX XXXXXXXX  XXXX Installment Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous XXXX   FORGIVENESS ACCOUNTS WITH XXXX XXXX XXXX XXXX  Then, I have contacted XXXX XXXX XXXX and tried to resubmit the same information that I submitted to XXXX XXXX XXXX XXXXXXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account.

I have did my time XXXX  and I am still in the XXXX field in XXXX and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX XXXX XXXX   does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XXXX XXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXX  XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX   XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Re : Discover Credit Card Last 4 acct. digits : XXXX Last 4 SSN digits : XXXX Card was opened on XX/XX/XXXX, Total Credit Line : {$6000.00} On Tue. XX/XX/XXXX, the following email was received from Discover : As a result of a recent review of the Discover it card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason Inactivity on your account ( s ) We will credit your account with your Cashback Bonus ( or Miles ) balance if you have one. If you have any questions, our service specialists are available to assist you 24 hours a day, 7 days a week, by calling XXXX Sincerely Credit Operations On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, the service number listed on the back of the card, as well as the number listed on the bottom of the email. I was informed, in both cases, that the card could not be reactivated, and the inactivity clause was noted on the user agreement. I explained that I was saving the card for emergencies, and that If I had some advance notification regarding this action, Would have been happy to use the card in order to prevent this rather abrupt and consumer hostile action. All to no avail, my pleas fell on deaf unresponsive ears. I really feel that a professional courtesy of advance notification could have avoided all this.

Company response to consumer: Closed with explanation