vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
1. CD originally purchased by XXXX XXXX ( father ) and XXXX XXXX ( daughter ) on XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX Indiana ( now part of JP Morgan Chase ). 
2. On XXXX XX/XX/XXXX, attempt made to redeem CD at Chase Bank XXXX, XXXX XXXX, XXXX, TN ( XXXX XXXX, Asst. VP ). We were advised that it could not be redeemed as the bank had to check their records. A pdf file of the CD was provided as well as marriage record for XXXX to verify current last name. 
3. After several exchanges with Mr. XXXX, he called ( XX/XX/XXXX ) and said to check with Indiana State Treasurer to see if CD funds had been turned over by bank to state as ( lost ) or abandoned funds. 
4. Indiana State Attorney General 's Office reported back ( XX/XX/XXXX ) to us that these funds were never turned over to State and thus were retained by the bank. 
5. In a number of exchanges with the bank branch ( including XXXX XXXX, Vice President ), XX/XX/XXXX and later, we were told that the bank continues to check and determine resolution ( that never happened ). We advised bank of call to State Attorney Generals Office and again provided copies of CD and marriage certificate. 
6. Further sporadic calls ( XX/XX/XXXX, XXXX ) were received from Chase, from people who only gave their initials or first names, ( AD, XXXX, XXXX, ... ) ; including from " Dispute Resolution ''. All said that digital records could not be found due to age of CD and redemption unlikely. 
7. Shortly thereafter, a call was received from a specialist from the executive office who said our CD would not be honored. Our position was that : We have the original of the CD, and that should be evidence of its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I never knew that sending money to my incarcerated mentee usig my Capital One credit card was considered a cash advancement. So using XXXX XXXX, XXXX or XXXX is considered a cash advancement that prohibited me from obtaining a credit increase. I fee this practice is discriminatory and targets XXXX, XXXX and XXXX people who are trying to send incarcerated people money. It is akin to redlining in the real estate industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: AES/PHEAA
State: OR

Complaint narrative:
I am working towards loan forgiveness through the XXXX XXXX XXXX XXXX program. I should be credited with making approximately 115 " qualifying payments. '' Fedloan is crediting me with 94 " qualifying payments. '' Lump sum payments were previously made on my behalf through the US Department of Justice / XXXX XXXX Justice program. Fedloan has credited these lump sum payments made while my loans were being serviced by Fedloan as " qualifying payments, '' but has not yet credited the lump sum payments made while my loans were serviced by XXXX or XXXX XXXX XXXX. 

Fedloan has been performing this review for nearly two years. Customer service will not give me an estimate of when the review will be complete. I'd estimate it would take less than one day to actually review my payment history and credit the payments. Fedloan will not permit me to communicate by phone or email with the department performing the review. Contacting Fedloan results in more " reviews, '' but never an actual answer. I've previously filed a complaint in XX/XX/2019. Fedloan responded by saying they were conducting their review. They never actually completed this review, yet the complaint was " closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have Sallie Mae loans on my reports that were paid off by the US Dept. of Ed during a consolidation of my loans when I left school. The loans are all now more than 10 years old and paid off for that period of time. According to the FCRA which I never see enforced by the CFPB, the old information is to be deleted when it reaches the expiration date. For positive credit it's 10 years, for negative credit it's 7 years. These items were positive and paid off in good faith by the US Dept. of Ed. The items are ALL MORE THAN 10 YEARS EXPIRED AND SHOULD BE REMOVED FROM MY CREDIT REPORTS - ALL OF THEM!!! I've repeatedly disputed this info with XXXX, XXXX XXXX XXXX XXXX to no avail. They continue to contact the Student loan provider stating the info reported is " inaccurate '' not " STALE DATED & DUE FOR REMOVAL ''!!! If Sallie Mae or whoever they call themselves now do not remove these items from my reports effective immediately then I will sue them in civil court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Don't care how long it takes to get a court date I'll be ready! Remove all of the outdated accounts now or risk being sued. I'll go after all 3 credit bureaus too since Sallie Mae pays them to report inaccurate credit information. We can do this the easy way or the hard way, their choice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 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: Avid Acceptance, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, Avid Accepta add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-05 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: IL

Complaint narrative:
As I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase called to what they called evaluate my credit limits and allow I have a better credit profile now then I did when I opened the credit card they lowered my credit limit by 150 %. The person and I did not have a pleasant conversation as I was working at the time they called. When I tried to follow up with a phone call to a supervisor they told me the person making the call has the ability to raise or lower my credit limit as they see fit. For this reason I believe that the decision to lower my credit limit was personally motivated and not in line with credit limits extended to other customers with the same credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX after I completed a refi. Taxes were due in XXXX. Mr. Cooper never paid them. I received notices from XXXX XXXX, XXXX in XXXX that I still owed taxes for XXXX. I contacted Mr. Cooper and expressed the urgency of resolving this quickly so I would not take a hit on my personal income taxes due to not being to deduct the approximate {$5700.00} that was due. 

Mr. Cooper outsources escrow services to XXXX XXXX. They don't even have a number for their representatives to contact anyone from XXXX XXXX and only would allow me to contact them via email. They supposedly mailed payment to XXXX XXXX on XX/XX/XXXX, but can not or will not show me any proof of that other than a line item on my statement saying that funds were withdrawn. This left me in a position where I had to take personal funds to satisfy the tax obligation on XX/XX/XXXX to avoid further penalty. 

As of today, XX/XX/XXXX, XXXX County has still received the payment. I've in effect paid my taxes twice, once to Mr. Cooper through escrow and then directly to XXXX County. Mr. Cooper has been unwillingly to cancel the checks that are lost in the mail and refund my {$5700.00} that they lost. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: WI

Complaint narrative:
Certegy Payment Solutions had sent me my consumer file report and I have no negative information on file. This company is not letting me cash a refund check that I got from XXXX that is 100 % Valid, they even told me on the phone that i should be able to cash a check but it got denied and when i called them they said it can because " risk factor '' or the check is bad which isnt correct at all, I have attached file so you all can see the report from them i think they still have something in the background of their system thats not letting me cash checks.

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 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions, permission was never requested from me nor given to allow for over the limit transactions. Moreover methods were not in place to prevent fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Moreover, any information can not be withheld from the consumer if the consumer will be held responsible. This is America. The theft resulted in account being closed, charged off, exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2021-01-05 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: LA

Complaint narrative:
I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Purchased furniture from Ashley Furniture on XX/XX/XXXX and used an open credit account with the store through Synchrony Credit. They promised a delivery date before XXXX, however they subsequently kept pushing back the date due to a back order. When it was looking to be in XX/XX/XXXX - I cancelled the order. Ashley did not put in a credit request with Synchrony and Synchrony pulled the entire purchase amount of {$1700.00} from my bank account stating is was on auto pay and allowed full payment. I did not authorize a payment in full since I was going to utilize the 12 month interest free offer. On XX/XX/XXXX, I contacted Synchrony to get my money put back into my account and after 2 hours on the phone with them I was told a check must be issued for a refund. Apparently electronic banking works only one way. I requested to speak to a manager to ensure this was put in place - the manager confirmed the refund request was put in and the check was requested on XX/XX/XXXX. The length of time to receive this was 2 to 3 weeks. On XX/XX/XXXX I called Synchrony to follow up since I had not received my refund check. I again spoke to a manager and was told the refund check was not requested. She stated I have 2 options 1 ) request the refund check on this date or 2 ) contact my bank and put in an unauthorized transaction form.

Completely unacceptable service and handling of my money. I opted for my bank to put in an unauthorization request form. This has put an extreme strain on my finances and and still now have another 10 days to receive my funds back into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am writing to get some help and answers I was a previous client with ( XXXX XXXX ) they put me on a loan modification that was perfect and affordable for me at a payment of {$1500.00}. I was to sign my paperwork which I did after I made my final trial payment the paperwork I signed was incorrect, so my account manager had to resend the paperwork with correct wording which I signed had notarized and sent back. I was told to wait to start paying until my loan is permanently modified and I get my packet in the mail. So now this brings us to XX/XX/XXXX ' I received a letter advising that SPS is now my lender so I immediately called SPS as I was going through my modification waiting on the paperwork I was told by a representative at SPS that they are still waiting to receive my file to be patient well needless to say this went on for MONTHSSS. With this my mortgage is getting behind finally now we are in XXXX ' fed up with no answers and the run around I spoke to a supervisor on XX/XX/XXXX ' I explained my situation she advised me that SPS should have sent my paperwork out to me back in XX/XX/XXXX ' she stated she was going to have my matter escalated and resolved well again THE RUN AROUND AND NO RESOLUTION. I have tried to work numerous times and always different reps with SPS to get help and to date nothing and now I am being told that I am in foreclosure I had no notice mail notice or anything about this how appalled I am just to let SPS take my home right from me with no knowledge how unethical is that and all I got was the run around. I want to keep my home but I need some help as this was a big oversight and mess up with SPS and now im being punished SPS has failed me and failed to offer me any type of help or loan assistance. Can someone look into this matter and help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MS

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MS

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: MS

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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