vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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: IL

Complaint narrative:
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through XXXX XXXX XXXX XXXX and one through USAA. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to ask for your help in investigating why Chase Bank recently closed my credit cards and then subsequently ceased all business with me. I have been a Chase Customer since XX/XX/XXXX. I have paid my credit card bills on time and have never left a balance on any of my Chase Credit Cards since opening up my first credit card with Chase inXX/XX/XXXX. I have all of the bank statements to prove it as well. 

On Friday XX/XX/XXXX my Chase Personal Credit Cards were all working in the morning and in the evening they no longer worked. I called up Chase and all they would tell me was that they had ended their credit card Relationship with me, as per their terms and conditions, which simply state they can close your account for whatever reason they want if they so choose. I asked for a real explanation as I have been a loyal customer since XX/XX/XXXX and have never even missed a payment. Unfortunately, Chase only provided me with the same line we can close your accounts whenever we want as per the cardholder agreement. There was no warning, no explanation, and no one willing to give me a real answer. I followed up with an email to the customer service team onXX/XX/XXXX and received a similar message. 

I subsequently spoke with a Chase Executive Member ( whose name I can provide ) who called the Chase Closure Team who also was unable to give me with any more information, as she stated that the Closure Team would not give her an answer either on XX/XX/XXXX. I find this to be extremely puzzling. How is it that the Chase Executive Office can not even get a straight answer from another department within Chase. 

I then got a letter from Chase on XX/XX/XXXX stating that my credit cards were being shut down. Again, when I called, I received the same response. Chase reserves the right to close your account for whatever reason they want as per the cardholder agreement. 

On XX/XX/XXXX I called the number on the back of the Chase Sapphire Reserve Card that I had. The woman responded by telling me that the account was closed, she couldn't see why and that there was no way to get it reinstated. I asked her to transfer me to a supervisor. The supervisor told me to write a letter with my complaint and to send it to their corporate office but that I was never going to receive an honest response. 

I feel that I deserve a real explanation. Is Chase really saying that unless they can make money on me, my business is not welcome? Am I really being punished for being on top of my finances? I would appreciate a real explanation and any help in this matter. Ideally, I would like my accounts reopened as I have done nothing wrong. This has also ruined my credit which is truly unfair. Again, another reason why I feel that my accounts should be reinstated. 

Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
UKNOWN ACCOUNT IN THE AMOUNT OF {$640.00} ORIGINATED XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is failing to remove the inquires Please see attachment below. 

XXXX have also re inserted an account that was removed and failed to notify me violating the law. 

Trans Union is also re inserted an a count that was removed and failed to notify me violating the law. 

Please see Documents below

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 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 at XXXX, I received a call from Sallie Mae . The phone number was XXXX XXXX XXXX. The called me several times. I answered the phone and reminded them that it is illegal to contact me at this time of night. I am being harassed by this company. I do not owe on this debt, it is not mine. I have stated this many times. I have requested a copy of my signature showing proof. They have provided me only with a statement. I NEVER sign documents online, which is what they are claiming. This is not my debt and this company is harassing me by calling me at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had applied for 2 credit cards in XX/XX/2017 with Chase. I had two existing credit cards with Chase already. They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a {$110000.00} income at XXXX years old working for a large corporation. As a young adult, I was surprised, as I have never had a late payment. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX  can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue.

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 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had US Bank account ( opened in XXXX AZ ) but no online access to this account. 
Later I moved to XXXX TX during mid ofXX/XX/XXXX. On or abouXX/XX/XXXX Without any warning US Bank deducted {$8.00} from my bank account for monthly maintenance fees most probably for keeping balance less than {$1500.00} per month. I will say - in their response they will say that at the time of opening of this account -it was mentioned in the fine prints. But don't you think that they should have at least send a communication about non compliance rather than directly deducting the fees? 
Moreover I don't have the online access for this bank account so I couldn't figure out anything. 

Made the complaint to CFPB ( XXXX ) and usual response from US Bank that read our fine prints etc ... 
US Bank retaliated against me by further. I simply wanted to close my account and mentioned this in my complaint to CFPB also. 
Rather than helping me this bank caused further damage. I tried to withdraw my balance ( which i thought it should be there ) Not only they dishonored my check - it resulted into check return fees of {$7.00} into my XXXX XXXX  account. 

I never had overdraft protection on this account so why this bank keep on charging me {$36.00} overdraft protection fees? 

On XX/XX/ opened another CFPB complaint ( XXXX ) OnXX/XX/XXXX opened another CFPB complaint ( XXXX ) Please refer to the current letter from US Bank. They just keep on adding their charges. 
I can't pay any of this. At the same time - it's none of my mistake - so I don't want any remarks on my credit file which impact me in the long run.

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 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Dates : XX/XX/2016 {$630.00} amount at top Later in letter states {$850.00} emergency visit {$70.00} service provided between 10 : I sent a debt validation letter, with a request of my copy of my signature where I agreed to pay this

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 2018-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc.
State: TN

Complaint narrative:
I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 
In my case, two our of three websites did not work. Transunion 's website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of XXXX, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on Transunion 's report. The XXXX system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I contacted the Navient onXX/XX/XXXX and on the XXXX or the XXXX of XXXX to dispute incorrect information on my account. I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted Navient twice after, and to no avail. I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month. Might I add, you can see a copy of my payment information on the Navient website. 
Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately following XX/XX/XXXX. I received information in the month of XX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation