vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 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: FL

Complaint narrative:
I have gone above and beyond to provide Equifax with a ton of evidence confirming inaccurate accounts on my credit report and over the past year, they ignored my disputes several times. Ive included evidence showing Equifaxs negligence in handling these issues. Below are the Balances and Payments reported by each credit bureau. Please just look at the huge difference between what Equifax is reporting compared to XXXX and XXXX.

Balances : - XXXX {$6500.00} - XXXX {$4700.00} - Equifax {$31000.00} Payments : - XXXX {$310.00} - XXXX {$240.00} - Equifax {$830.00} This is extremely significant and has been very detrimental to my family and me. Im XXXX XXXX and live apart from my wife and children in a different state due to my current orders. As a result, Im forced to take an XXXX to work and back every day because I cant get approved for an auto loan solely due to my Equifax Report, which is unfair because the information is completely inaccurate. In addition to that, I was just recently denied for my first VA Home Loan because Equifax brought my score down so much, I missed the minimum 3 score average requirement of XXXX. I dont know where else to turn or what else to do, please help. These accounts below are whats reporting inaccurate and I have provided XXXX/XXXX XXXX XXXX requested to have this deleted off my report. This was already  deleted by XXXX and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested to have this deleted off my report. This was already deleted by XXXX  and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX The same account thats listed above, The Original Creditor ( XXXX XXXX XXXX ) requested deletion of this account and it was already deleted by XXXX   months ago. 
See Investigation Results from XXXX  Deleting This. 

XXXX XXXX XXXX and XXXX were both UNABLE TO VERIFY and DELETED this account? 
See Investigation Results from XXXX  Deleting This.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
I'm disputing the following accounts XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
I'm disputing the following accounts XXXXXXXX XXXX XXXXXXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.

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 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is the 3rd time it has happened and this is the 3rd time I am submitting a complaint on CFPB for the same fraud attempt by Navient ... ... .. Navient has again, wrongly applied my federal student Loan payments, ( Cashiers check # XXXX, cashed on XX/XX/2019 ) for loan ID ; XXXX, XXXX and XXXX, to loan ID : XXXX. I had both written the instruction on the check and sent in a separate letter with written instructions, as they instructed, but for some reasons, they again decided to apply the payment incorrectly. 

I am starting to believe that this is an attempt from them to fraudulently apply the amount on a loan without any authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX  {$300.00}, and XXXX XXXX XXXX {$91.00}

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 2019-04-15 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: MO

Complaint narrative:
The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$300.00}, and XXXX XXXX XXXX {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$300.00}, and XXXX XXXX XXXX {$91.00}

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 2019-04-15 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: MO

Complaint narrative:
My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXXXXXX XXXX # 2 XXXX XXXX {$0.00}, # 3 XXXX XXXX XXXX {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}

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 2019-04-15 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: MO

Complaint narrative:
My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXX , # 2 XXXX XXXX {$0.00}, # 3 MO Child Support {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX XXXX Account Info , # 2 XXXX XXXX {$0.00}, # 3 MO XXXX XXXX {$2700.00}, # 4 XXXX XXXXXXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Hello I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello How do I dispute a Hard Inquires. Someone keep open an Account with Chase Bank for the past 2 years I contacted Chase last Year when I received a Bank Card in the mail originally sent to my old address and I called them and told them it wasn't mine i didnt open an account with them they suspect fraudulent So after That a few months I check my credit report and saw there are several hard inquiries from Chase Bank I file a complaint and dispute with them bank. Chase bank USA checked my credit again yesterday without my permission. This is ridiculous they keep letting someone open an account And causing my credit to drop tremendously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2019 I called Chase to close all three of my credit card accounts. The balance was already XXXX on two of the accounts. On XX/XX/XXXX, I made the payment of XXXX to close the third account. I called Chase to process the payment of XXXX for the third account and request Chase close all three of the accounts. The Chase operator spent significant time talking me out of closing the accounts, with a specific focus on keeping the one which I was making the final payment on open. I was clear and stated that I wanted all three of the accounts closed and ensured that the XXXX would close all the counts. After much conversation back and forth Chase verbally agreed and confirmed closing the accounts. Chase also confirmed that the account was closed and that there were no additional fees or interest charges to the account. 

On XX/XX/2019 I received a late notice for the Chase account which I had made the XXXX payment, plus Chase had added additional fees. The overdue amount was for an interest fee charge of XXXX cents, and the late fee was XXXX. 

I have paid the XXXX cents. I am concerned that Chase did not close my accounts when asked, and that they went to such effort to keep them open despite my repeated requests. My efforts to close my accounts, now that they were settled, were met with opposition at every level resulting in them not actually being closed. 

I would like all my Chase accounts to remain closed, and to not accrue any additional fees for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
I ask, do XXXX consumers have a Right to Challenge XXXX, PayPal over their Refusal to allow competition, regards the choice of who they wish to process payments for items bought online in America?  I was Coerced into taking out a Contract with PayPal in 2015 as payment processor. I purchased 12 items on XXXX, All the sellers claimed they had a contract with PayPal to process buyers payments, PayPal refused to accept my payments for those 12 items, refused to process a payment demand from XXXX for their fees. No reason given by PayPal. I then stated to PayPal I wished to close my account with PayPal, they have refused my request. There have been a number of Class Actions taken against PayPal, v I refer to Civil Action XXXX : XXXX XXXX XXXX PayPal Settlement XXXX Does that mean XXXX and PayPal can Treat Consumers around the World with Impunity? Thank you for your time and help. XXXX XXXX. XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: GA

Complaint narrative:
When I went to make my monthly payment it shows no available credit and the full balance due. I have not been contacted at all and have tried contacting via email and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2019 I was a victim of fraud. I purchased tickets off of XXXX and paid through XXXX via my Chase checking account. Within an hour of the transaction I discovered the transaction was fraudulent and attempted to stop the money transferring, but soon learned I could not and that there is no consumer protection for this. I called the banks 24 hour customer service who further validated this. The transaction was still showing as pending when I called, since it was a Sunday night, but the woman I spoke with, XXXX, said that there was no way to stop the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
Heartland ECSI a distributor for XXXX XXXX released a deposit on XX/XX/2019 for {$130.00} to XXXX XXXX in error because the XXXX account or routing numbers matched the system as a XXXX XXXX account. I have disputed error with both banks since last week and my money has not been returned to XXXX to correct and release to me. Please contact XXXX and XXXX XXXX to straighten out situation. Thank you this is XXXX XXXX SS # XXXX email address XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
This complaint concerns Fedloan Servicing and the public service loan forgiveness program. Last year ( XX/XX/XXXX ), in XX/XX/XXXX timeframe, my student loans were transferred to Fedloan Servicing to manage my payments towards the public service loan forgiveness program. I have been consistently making on time payments since my loans have been in repayment status ( XX/XX/XXXX ), before and after they were transferred. In XXXX ( XXXX ), I called customer service to get a total count on the number of payments I had made towards the 120 qualifying payments and was told that I had only made 3. I  informed the customer service representative that it should have been more than that because I had been in repayment status for much longer than that and had been making payments. After reviewing my account again, the representative informed me that I had been making payments larger than what I was supposed to be paying and as such, the payments were not being captured towards the qualifying payments. The representative agreed that I had made more payments than what was originally stated. The rep advised that she would record my concerns and a letter will be mailed to me notifying me of the total number of payments that quality since there was a backlog for this type of issue. Last week ( XX/XX/XXXX ), I received notification that the total number of qualifying payments I had made was 1, which is completely different from anything that was discussed in XX/XX/XXXX. In addition to the above issue, it appears that the balance of my student loans has increased tremendously from what the balance was prior to transferring to Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We reduced our coverage amount because our XXXX XXXX balance is XXXX and our Home Equity balance is XXXX.I feel {$200000.00} for the dwelling is adequate amount for the flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Mr. Cooper is my mortgage company. I have contacted them numerous times, including twice on XXXX. The company has refused to pay the taxes out of my escrow for my second piece of property and the penalty acquired on both pieces due to their lack of accepting responsibility when acquiring my loan from the previous company. I had to pay due to the threat of garnishment due to my being a XXXX employee. XXXX XXXX has repeatedly ignored my request for the second piece to be paid, never even acknowledging the property in previous complaints. I can not believe the audacity of this company to think that it is ok allow penalties to occur and then dump the fee on the consumer. I would not recommend this company to anyone and will pursue whatever means necessary to make sure this company does not do this to another individual. I have had to pay the taxes/penalties, lost time at work, spend numerous hours on phone and have multiple emails to document the attempts to resolve this situation. I believe they are stealing from consumers due to their admitting that it happens all the time and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We have been ill and tried to keep up. We filed a Chapter  XXXX in XXXX and were paying regularly. In XX/XX/XXXX the payment suddenly rose from a manageable {$1400.00} to {$3200.00}. We are both on Social  Security+ pension and our total per month is {$2700.00}. We asked our Attorney { XXXX XXXX from XXXX, PA ] how and why. He said 'because they can ' and that we would need to find a way to pay it! We couldn't and we had to suspend our plan in XX/XX/XXXX. The total mortgage owing was {$61000.00} at that time. Our loan servicer was OCWEN. They have refused to work with us in any way. We couldn't even pin them to a mortgage amount and our attempts to pay resulted in the checks returned. We attempted to get another Attorney to help and all required ~ {$5000.00} retainers! Now they have 'foreclosed ' and we just received an 'ejectment ' notice! We built this home 25 years ago, we are elderly and ill. We need HELP!!! Please help us to stay here. I guess we'll need some type of stay until we can secure a loan to start a 'buy-back? I will also appeal to XXXX for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I submitted a complaint ( XX/XX/2019 ) against Citi for opening an account when they disallowed my acceptance. Feedback from Citi ( XX/XX/2019 ) accepted my terms to close the account. I received a letter from Citi, explaining the account has been closed ( XX/XX/2019 ). I received a statement a month later ( due date XX/XX/2019 ). Allowed this statement, giving the company time to get their records in order. However, I just recently received another statement, due date ( XX/XX/2019 ). Citi did not abide by the agreement. The account is still open.

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