vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: AES/PHEAA
State: NY

Complaint narrative:
I opened a student loan with AES/XXXX  Secondary Market in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with AES/XXXX Secondary Market was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported 60-89 days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with XXXX in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added 6 more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11  months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11  months and then stops reporting it late? Also, after an investigation by XXXX, how can the company verify this information as accurate and add negative information instead of removing it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My name is XXXX XXXX And I bank with Navy Federal. I deposited a payroll check that was {$850.00} on XX/XX/2018 and the funds have not been released yet. I was told that it takes up to one business day and it has been one business day. This is the second time this has happened because it is a payroll check. I have set up direct deposit but that has not went through yet. I just would like my funds to be released I have important things to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America notified me of fraudulent activity on XX/XX/17. BofA is still processing the fraud claim ( it was fairly straight forward ) 5 business days later, and will not provide a timeframe for completion, and will not reverse the transaction in the meantime. This is not fraud protection. Absolutely unacceptable performance for a previously bailed out bank.

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 2019-03-22 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have a debt originally from XXXX from XXXX that is currently being reporting as the date of delinquency XX/XX/XXXX. The collection has been resold a few times and this creditor just put the date the last creditor bought the debt on as the date of delinquency, illegally reaging the debt. I have disputed it to the credit bureaus with them just returning the same information and XXXX and XXXX just saying its valid. I would like it removed from both credit reports.

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I initiated a transfer on XX/XX/19 from my Chase Checking account to an external account. The amount in question was {$10000.00}, which was well within the funds I had available. I already completed verifying that external account a week prior with no issues. 

On XX/XX/19, I tried to log in to Chase 's website to see if the transfer had completed, but the website said my account was locked. 

I then called the customer service number provided, but after talking and waiting for an hour, they did not provide any solution beyond " go visit a branch. '' I am located quite far from one, so I will have to take time off from work to travel there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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:
I took out a loan to attend XXXX located in XXXX XXXX, Texas. I took courses in XXXX XXXX and XXXX to retrain for a career. Originally, the loan was not through Navient but was later reassigned to Navient. The interest rate was exorbitant and the principal seemed to never go down. My payments only seemed to pay the interest amount. As soon as we could be approved to get a personal loan to pay off Navient we did. I no longer have " Student Loan '' but I do have a loan that I am paying on. I feel that I deserve to be a participant in any lawsuit settlements against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I received a official copy of my credit report from Transunion and derogatory remarks was removed from Transunion as credit reporting agency as XXXX XXXX XXXX made contact with Transunion to remove the negatives from my credit report. 
Why would Transunion falsify on deletions of negative on my credit report as Transunion gets a electronic or Verbal message from XXXX XXXX. 

I am respectfully requesting that Department of Justice ADA  and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that Transunion, XXXX, XXXX  to delete all Unauthorize Hard Inquiries on my credit report and also for Transunion and XXXX remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with XXXX and I signed a Privacy Release for Federal Investigations.

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I first reached out to Citibank to notify them I am representative for an estate for a deceased member on XX/XX/XXXX. The decedent lived in XXXX, AZ for more than 20 years and that is where my business is located. There is no local branch. The closest branch is about 3 hours away. I received no response and Citibank refused to update the address on file. As the Estate was winding down, I again wrote a letter to Citibank on XX/XX/XXXX to demand they close the account or release beneficiary information, if applicable. I've submitted certified court documents to prove my authority as well as an original death certificate. I also provided a copy of the husband 's death certificate, who is also listed on the account. I received a generic response indicating I could complete a small estate affidavit. I can not complete a small estate affidavit as the Estate is not small, and I have authority to administer the Estate by court appointment. The letter was sent by certified mail and a receipt was received. We also received documentation back which indicated they had been scanned by Citibank. When I called the Citibank Priority hotline, the representative indicated nothing was scanned. On XX/XX/XXXX, I again submitted my documents, this time by fax, waited a couple days and called back. Again, nothing was associated with the file and the representative would not provide information. We reached out to the branch in XXXX, CA where the account was likely opened, but the branch manager referred us back to the Citibank XXXX hotline. Again documents were submitted and Citibank claims they have received nothing. I am unable to close the Estate as Citibank is withholding Estate assets, or information regarding beneficiaries. It has been nearly a year and it is unfair to the beneficiaries of the Estate.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Formal Complaint : CHASE BANK XXXX HANDLING AND RESPONSES TO THE CONCERN WERE INSUFFICIENT AND OTHER PROCESSING ERRORS NEED TO BE ADDRESSED On the two nights of XX/XX/XXXX and XXXX, XXXX, we stayed at a hotel, XXXX XXXX, located at XXXX XXXX XXXX in XXXX VA. The rate confirmed upon booking several weeks prior was {$79.00} per night. We authorized a charge of {$150.00} for the two nights upon checking out. However, two transactions charged to our card XX/XX/XXXX : one for the proper {$150.00}, and an additional charge for {$79.00}. We contacted the XXXX XXXX regarding the erroneous {$79.00}. The hotel manager, XXXX, searched his records thoroughly, and advised the hotel only charged the card once, for {$150.00}. XXXX assured us there was no record of the additional {$79.00} being charged to us at the hotel, and without a transaction to reverse on his hotels systems, that our only option is contact the credit card company for resolution. The two nights of XX/XX/XXXX and XXXX, XXXX, were our only visit to XXXX to this day. 

We then contacted Chase Bank in an attempt to resolve this concern. We were advised the improper {$79.00} charge would be immediately credited back to the account during the investigation. However, a credit was never applied to the account from Chase Bank. We were told we would receive a call within a few days after initially presenting this concern. We received a voicemail several weeks later while at a dentist, and we returned the call and left a message to call us back, but never received another call back. We then received the included letter dated XX/XX/XXXX, from Fraud Department, stating we received benefit from the transaction, which the letter indicates occurred in XXXX, for {$79.00}. To make things worse, Chase then charged our card {$79.00} again XX/XX/XXXX, as shown on the statement, with a Purchase dated XX/XX/XXXX likely a processing error attempting to offset a credit we were promised in XXXX but never received as shown on the included Statements. 

Upon receiving the XX/XX/XXXX letter, we again contacted Chase Bank to resolve the concern of the now XXXX erroneous {$79.00} charges. However, Chase provided no resolution in the response from XXXX XXXX XXXX dated XX/XX/XXXX, included with this complaint. Instead, the letter just says their latest review confirms the previous findings. 

Enclosures : XX/XX/XXXX Statement showing the authorized and disputed charges XX/XX/XXXX Statement XX/XX/XXXX Statement XX/XX/XXXX Statement showing the additional erroneous charge XXXX  XXXX Receipt Chase Response # 1 dated XX/XX/XXXX Chase Response # 2 dated XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the XXXX XXXX XXXX auto loan account that is being reported as late onXX/XX/2018 several times. XXXX nor Experian will look into the account at all. I was on an Auto Loan XXXX during the time in questions and NOT late. I went into a branch and had them print out my XXXX letters and payment history as proof. However, neither have updated my 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 2019-03-22 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of Prestige Financial Services.

I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for Prestige that negatives of my Auo loan # XXXX was removed by XXXX. 
Prestige administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2018 I owned on my XXXX XXXX Credit card issued through Chase {$2200.00}. They received payment on XX/XX/2018 of {$100.00}. Leaving a balance of {$2100.00}. Additional charges came in at {$16.00}, {$3.00}, and {$14.00}. A statement was sent out for XX/XX/XXXX with the balance including interest at {$2200.00}. On XX/XX/2018 I paid off the entire balance by mailing in a bank check for {$2200.00}. The next payment date would have been on XX/XX/2018. I owed them nothing at that time. Yet, Chase states I owed tacked on interest of {$43.00}. I did not get a statement for XX/XX/2018 and as far as I was concerned was paid off and paid off. I made just two additional charges on my XXXX XXXX card. 

I went from owing them little to nothing to somehow now owing them over {$190.00}. I contacted the company and they refused to remove the {$43.00} accrued interest charge but did remove the late fee and just {$2.00} interest from the recent purchase. This is to me credit card fraud. 

On XX/XX/2018 I contacted Chase and ended up paying them off again and not only paying them off but automatic payment out of my checking account of {$150.00}. They told me they are again going to tack on interest charges even when I paid the entire balance off. Under their scenario even if you pay off the entire unpaid balance they still keep tacking on interest charges which makes no sense. Under that scenario a consumer will never get Chase paid off. They just keep tacking on interest charges and late charges. Chase phone number XXXX. My name is XXXX XXXX, Phone XXXX, address is XXXX XXXX XXXX, XXXX, SC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have contacted this company on multipal occasionsand informed them that this was paid by insurence. they have informed me that the original comany ( XXXX XXXX ) was not given insurence info. Which at the time i did provide to them ( XXXX XXXX ) the insurence info. I have disputed it through them several time Which at that time they have told me they would report to the accurate standing of the acct to the credit agencys. To this day it is still showing open on my CBR not as a DISPUTE. i contacted them today XX/XX/2019 at XXXX and was advised of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In my attempt to correct inaccuracies reported by ; XXXX, Equifax, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by XXXX, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {XXXX} and reported by various collection agencies - once by XXXX XXXX and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX  , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XXXX - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court. 
The date of my first attempt to correct matters was made by certified mail datedXX/XX/XXXX, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations. 
In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was in New York on XX/XX/XXXX and purchased two single ride tickets that were suppose to be {$2.00} a piece at a XXXX machine. I was instead charged {$33.00} a piece by XXXX which caused my bank ( BMO Harris ) to charge me {$71.00} in overdraft fees. XXXX refunded the two separate {$33.00} charges the same week, but BMO Harris refuses to refund the {$71.00} overdraft charge. XXXX emailed me saying they will not refund the {$71.00} charge either

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 2019-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of XXXX XXXX XXXX. 
I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for XXXX that negatives of my Auo loan # XXXX was removed by XXXX. 
XXXX administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.

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 2019-03-22 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: HW Holding, Inc
State: FL

Complaint narrative:
The collector continues to update/change the amount due on the accounts to both XXXX and XXXX back and forth from XXXX to XXXX and then back to XXXX.. so on. I have not made an payment and this continues to hurt my credit score as if I am missing a payment and making a payment when actually the collector is changing the amount owed every month illegally. Please remove Hunter Warfield from all credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: AES/PHEAA
State: MD

Complaint narrative:
After XXXX confirmed that Loans 1 and 2 were in repayment under the PAYE plan when I called them on XX/XX//2019 ( which was additionally confirmed when I heard back via CFPB complaint XXXX ), XXXX attempted to retroactively place my loans in repayment in forbearance, even while they were in repayment with XXXX and despite the fact XXXX assessed a payment on XX/XX/2019. I never requested forbearance on these loans while payment was being assessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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:
There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent. 

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with Transunion, XXXX  and 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