vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
State: NJ

Complaint narrative:
As a young man with minor responsibilities I went into XXXX  to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a XXXX I made the decision to get married to the love of my life and then came our beautiful XXXX children. My responsibilities increased as my family depended on me. I had to divide my time to attending XXXX, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a XXXX has stretched out into XXXX XXXX XXXX credits. Up until now, I still am a XXXX XXXX trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I setup and account with AXOS bank less than 30 days ago. I then did a photo deposit of a check. I waited for a few days for it to clear. When it did not clear I called and was told that it would be released on Monday XXXX. I waited for Monday and the money was not available. So I called in once again and was told that the funds would be available by XXXX XXXX  CST. So I then waited until XXXX XXXX  CST and the funds had not been released. SO I then called again. I was then told oh I am sorry they were wrong in what they told you. It will be XXXX PST before the funds will be released. SO AGAin I waited until XXXX XXXX  PST and guess what the funds had not been released. SO I called again ad got a 3rd time the monies would be released. This time I was told XXXX PST ... 

I am feeling like either I am being lied to or that they have very poor training and no one has the ability to tell time. I will again be waiting until Midnight XXXX and see if the funds are to be released.. 

Side note the bank was gracious enough " as a courtesy " Release a {$1000.00} at the XXXX XXXX  CST time call. Also if find it very interesting that they dont have a supervisor available to talk to a customer when they have been treated so poorly.. AFter I pushed the issue and put on hold, I was told that I talked to my supervisor and they will call you back in 1 to 2 Business days. Really ... So they do have a supervisor available but not for customers. 

this a correspondance from their online response center.. 
XXXX - Axos  XX/XX/2020 @ XXXX XXXX  Hello XXXX XXXX, Thank you for contacting Axos Bank. I hope you are having a wonderful day! I am happy to assist you with your inquiry. After reviewing your account, please provide us with proof that funds have cleared the other financial institution and then we will be able to submit a request to release funds. Again we apologize for the inconvenience this may have caused you. We really appreciate your business and patience through these unprecedented times. If you have additional questions please let us know. 



We appreciate your business and commit to providing superior banking products, support and services. 



Best Regards, XXXX Axos Bank Customer Service If this person can release the funds so should someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual  reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.

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 2020-07-14 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
ENHANCED RECOVERY XXXX is violating my rights as a Federally Protected Consumer, the Original Creditor, XXXX XXXX and its Principal and Authorized Representative for on all accounts. I have not created any of these by my signature, As of the date of this letter you and XXXX  and XXXX have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 I purchased workout equipment on a website ( XXXX ) I found via XXXX banner and purchased with my Chase Bonvoy card. Soon thereafter I realized the website was fraudulent and tried to email and call the company but no response. I also went to their website to initiate online communication and had no response over 10 times. 

XX/XX/XXXX I contacted Chase customer service to file a dispute and they instructed me that I needed to wait the charge went from pending to cleared. 

XX/XX/XXXX Called chase dispute phone number and they would not process a dispute and told me I needed to call back in 15 days. In addition I waited over 15 min to get ahold of someone. I repeatedly told them I did not want to wait 15 days and the representative told me to wait 15 days. 

I feel strongly based upon the tone and actions of Chase that they are discouraging me to make a dispute and find an adequate action to recoup the {$440.00} I was fraudulently charged. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: GA

Complaint narrative:
On Saturday, XX/XX/XXXX, I logged onto my online Chase bank account to check my accounts ' statuses. I then went to browse through available credit cards, and found that I qualified for the Sapphire Reserve card with my new income. I called that same day to request my card be shipped to my new address. 

On Sunday, XX/XX/XXXX, I was unable to log onto my online Chase account, which has my checking account and two credit cards ( one of which is the new Sapphire Reserve card ), due to " suspicious activity ''. I also noticed that my older credit card was declining. Today ( Monday, XX/XX/XXXX ) I tried calling the phone number that I was given when trying to log into my account, but after 2 hours on hold, the agent needed to transfer me to a different department that was, at that point, closed for the day. 

I don't really have any idea why my account is locked and my credit card is declining. Besides an increase in my income, I have not had any major life changes that would affect my financials negatively, nor have I had any recent late payments, large transactions, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Using XXXX and can't connect my pnc account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB Case # XXXX was resolved on XX/XX/XXXX with credit of missing {$500.00}. On XX/XX/XXXX funds were withdrawn again incorrectly {$500.00}

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 monetary relief
Consumer complaint received 2020-07-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I have a 30 day late on my credit report for HSBC for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from HSBC stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I saw on my credit card statement In XX/XX/2020 XXXX billed me {$1.00} and they billed me {$2.00} and then I saw several months billed at XXXX each. I did not authorize or used their service. I have six months of charges on my credit card totaling {$230.00}. Since i did not authorize these charges and did not use their product or service and was unaware that I had subscribed or ordered it, I disputed the charges. Capital One credited my account and cancelled the card and paid off my balance. I thought it was taken care of until I get a late statement and finance and late fees on my final bill. Capital One placed XXXX in addition to late fees on my final bill. 

I did an email search on XXXX  and I saw a welcome email that said I subscribed to a five day trial, The email was dated XX/XX/XXXX, and on XX/XX/XXXX I simply replied to the email to cancel any subscription. I forgot about it as I never authorized, used or was aware that I had a subscription until I saw my XXXX Capital One bill. 

The XXXX XXXX XXXX gives this company an " F '' and the internet is full of reviews and scam alerts. 

I did not authorize these charges, use their service or was aware of my relationship with this company. Please help me. I am retired senior citizen on a small fixed income and can not afford this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-14 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: NJ

Complaint narrative:
Second complaint to Experian, and again I am sending a copy of the FTC report and my social security card and my Identification

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 2020-07-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-07-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

Company response to consumer: Closed with explanation