vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX my husband and I financed a car with XXXX XXXX XXXX. We searched for a car dealer that reports to all 3 credit bureaus and chose XXXX XXXX XXXX for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. InXX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.

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 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: MA

Complaint narrative:
There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/108, My entire tax refund of {$2.00} was taken. I struggle to pay rent bills and buy food. I need some or all of my {$2.00} tax refund back. I have little if any room to make payments on these loans without not paying for food, rent or gas without my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way.

She then sent me an email with other payment methods.

On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee.

I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account.

All of that created a further hardship.

I called today and spoke with XXXX XXXX   telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no.

She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX.

Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats.

I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC
State: VA

Complaint narrative:
JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.

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 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.

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 2018-04-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to obtain an auto loan. However, my lender says my Equifax credit is more than likely frozen. I called Equifax on XX/XX/2018 to unfreeze my account, which I never froze in the first place. When I finally spoke to a representative and gave her my information, she informed me that Equifax had no record of me in the system. I have had established credit for 6+ years! Several credit cards and auto loans. I have verified that at least 2 of my credit cards ( XXXX XXXX and XXXX ) report to Equifax. There is no reason that my credit should be missing, especially since I provided my SSN, birthday, name, address, etc. I even remember 2 years or so ago checking my Equifax score on XXXX XXXX. This makes no sense that I have just " disappeared '' from record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was in original Equifax breach reported last year. Was unable to register online for credit protection they offered because link wouldnt work and I was never able to get through constantly busy phone. On XXXX.XXXX.18 I  received another letter from Equifax that I was part of second breach last month. Again link in letter for XXXX didnt work and I was just on hold for an hour and couldnt sign up. I know my ID is at risk and Equifax says I can protect it but their service doesnt appear to be real.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I signed up for the Experian credit monitoring on the Experian website. The agreement is you get to see your scores and have access to monitoring for 7 days for {$1.00}. If you do not cancel during the 7 days, you get charged {$24.00}, and then {$24.00} every month thereafter.

I signed up and paid the {$1.00} o

n XX/XX/XXXX. Two days later, on the XX/XX/XXXX, I signed back in to cancel. The website informs you that cancellation can ONLY happen via phone, and a phone number is provided. I called the number, and after waiting on hold for over 2 hours, I finally had to leave the phone I was calling from. Now today, on XX/XX/XXXX, I have again experienced the same thing. It has quickly become painfully obvious that there will be no telephone conversation with Experian before XX/XX/XXXX, the date on which they are
scheduled to take my first {$24.00}.

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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This is a second complaint. In regard to your letter of respectfully declining my request for compensation. Let me list the errors of your bank. First Error : loan was paid in full however you bank did not release the lien. Second Error : I went to Chase Bank in XXXX KY on XX/XX/XXXX then my lawyer contacted you XX/XX/XXXX because it was not resolved properly. Also by the time it was received and processed it was XX/XX/XXXX. Third Error : Your bank lost the paperwork not my lawyer nor myself. Fourth Error : It should never have take from XX/XX/XXXX until XX/XX/XXXX to research and resolve this issue. Therefore Chase Bank is the proximate cause of loses in the amount of {$2000.00}. This amount is in line with small claims so, if you don't resolve this I will file in small claims court in XXXX XXXX KY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo does not let you set up automatic payments from a non-Wells Fargo bank account if you don't already have a credit card balance. This is crazy, as you should be able to schedule payments in advance so you aren't forced to remember.

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 2018-04-30 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: FL

Complaint narrative:
I applied for, and received a {$2500.00} credit line from XXXX XXXX Chase.They closed the account on XX/XX/XXXX and when I inquired as to why, they said that in XX/XX/XXXX, I had an adverse relationship with Chase for a Slate card. I have never held a Chase Slate card in my life. They could not tell me if it was charged off, paid off, or what since it was so old. In XX/XX/XXXX or XX/XX/XXXX, I had filed a Chapter XXXX   bankruptcy which doesn't even show up on my credit report but they are using the Slate card from 17 years ago, that I didn't even know about, nor do I have any way of disputing it as it doesn't show on my credit, as well as the bankruptcy that was so long ago, it doesn't even show on my credit as their basis for closing my account arbitrarily. I need to know who opened that Slate card and am curious if it's even legal to use information that far back that is not even on my credit reports as basis for terminating a credit line. In XX/XX/XXXX, I was living in public housing, working my XXXX off to take care of my kid after an abusive marriage. I now hold two XXXX   degrees and work for the most prestigious marketing agency in XXXX Florida - How do I get this fixed? Also, despite closing the account on XX/XX/XXXX, they put another inquiry on my report on XX/XX/XXXX that needs removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am open this case again because Bank of america kept close the case without give me an answer. 

First : Iam requesting bank of America to provide me the steps and the process that the bank has been taken to protect my money and my account from the fraud as their liability to protect my money. 

second : the bank did not informed me that my account under fraudulent, just the bank and the managers when i called to see why my account freeze they kept told me that the account under hold and investigation they refused to informed me that my account under fraud. 

Third : I have been in FBI XXXX  XX/XX/2017 to  complain that i got fraud and the company scammed me and the bank seized my money. 
An agent on duty the was called the bank trying to help me and explain that iam a victim and under fraud and the FBI Agent asked the staff in the bank in the close account department why you did not recall her money why you did not protect my account the staff replied that the bank will not recall because the money in the danger area. 


please am request bank of america to send me and my lawyer the steps that has been taken to protect my money and to protect my account as a customer and the liability for the bank to protect me. 


why you did not informed me that iam under fraud? 

why when i told you as the bank dont resend the money to XXXX XXXX their are scamming me and i have instruction from them to wired the money, Nobody from the bank hear me or applied to take from me any information to help me. 

Please send me the steps and the action that has been taken from the bank to protect me. 

please dont close the case without send me the steps and the action that has been taken from the bank 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 2018-04-30 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: IL

Complaint narrative:
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX Trans Union And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MT

Complaint narrative:
In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was. 

The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.

Company response to consumer: Closed with explanation