vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was denied credit from my bank because trans union reported info to the bank stating that I have insufficient credit history, insufficient credit experience and insufficient time since most recent accounts establish. Trans union lists my length of credit history as ; average age of accounts, 3 yrs and 2 mons, age .of oldest accounts 6 yrs 0 mons . XXXX length of credit history 21 yrs and 2 mons, XXXX   length of credit history also 21 yrs and 2 mons. This action took place on Sat. XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. 
I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. 
Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2018 at XXXX i contacted Chase Bank and Spoke a customer service Rep named XXXX and a supervisor named XXXX to close my account and was told i couldn't close the account because Chase system was down.

I noticed that Chase will manipulate and not post and hide certain transactions in order to incur a {$34.00} INSUFFICIENT FUNDS FEE, I was hit with several {$34.00} INSUFFICIENT FUNDS FEE over the course of a few months although i made a deposit before the cut off time. 

Today was no different i called to close my account and saw once again another {$34.00} INSUFFICIENT FUNDS FEE although i made a electronic deposit and was told {$34.00} INSUFFICIENT FUNDS FEE can not be reverse although i transferred money into the account before the cut off time and date. 

Chase has the deposit pending which is another method used to incur the {$34.00} INSUFFICIENT FUNDS FEE and i was told by customer service Rep XXXX and a supervisor named XXXX the system is unavailable and to call back in a few hours, which will be XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged. 

As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay. 

I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ),  and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note. 

Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.

I therefore request that the CFPB get involved and audit this loan for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
So my fee is {$40.00} a month.I pay the bill trough my bank account so i have proof.So i get in the mail i have a late fee saying i payed late.I call the representive n they tell me theres nothing they can so about it.So now i have to pay {$75.00} n the interest rate went up.All they do is raise the fees and interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2018 I mailed XXXX 's Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXX 's and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from Citi Bank XXXX XXXX PL card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXX 's is in breach of contract and has violated the terms of the agreements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
2nd complaint received response NAVIENT Company said I made payments to FFEL CONSOLIDATED LOAN ....

No I did not..knowingly make payments to this loan..internal revenue refund OFFSETS and 2 wage garnishes.. received notice just this year which is how I found out about this loan I made payments to a parent plus loan for 5.5 years. Bills stopped thought I was paid..

Response listed NAVIENT ADVOCATE..called..told that CONSOLIDATED loan lender was company called XXXX..called XXXX. Now called XXXX..was told N avient owns that loan..

AGAIN SENT IN CIRCLES..STILL NO COMPUTER ADDRESS INFORMATION AND LOTS OF GOBBLY GOOP..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt has beet settled or written off, it has been many many years since it, s closure. 
This company still trying to collect even after they have been notified and are aware of the situation, dates, info. etc. 

Excessive calls at all times of the day even late nights, early mornings and weekends, I want this to stop calling and to update their system and information.

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 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX Application for Chase Ink Preferred Business Credit Card was submitted. I called today to inquire as to the status. I spoke with XXXX in the Lending Department and was transferred to XXXX at Chase Business Accounts. He stated the account was denied to too many accounts. I then stated I do have personal credit cards and the only way to apply for a business credit card is with the use of a personal SSN despite the line of credit being extended to the company and use of FEIN. I then asked if is there a reconsideration phone number, to which he said no Chase Bank does not have that, this in itself is most certainly untrue. 

I called the business reconsideration line, XXXX, and spoke with an individual there who too told me the same thing. I asked how was this decision made. He stated that it was a systemic response. I asked what exactly does that mean-what 's the definition that Chase has provided for this term. He said it means just that. I asked was this reviewed by a human or machine / auto gen response. He repeated that it was a system response. I asked how was this decision rendered. He said " the system rejected it. '' I asked if a person reviewed it and or called me. He stated they do not do that. This is not true as when I applied for my Chase Sapphire Reserve credit card a representative from Chase did call me to verify that it was me and had personally reviewed my account and stated that yes I was approved. I then asked was this systems response due to their " 5/24 rule ''. 

" If you have 5 or more new credit card accounts in the past 24 months from any lender, you will get automatically rejected, no matter how good your credit score is. This policy is called the 5/24 rule. '' After several moments of silence he continued the conversation and avoided addressing the " 5/24 rule '', he then stated that they do not personally review accounts which I know to be false and find this to be discriminatory. 

The problem with this rule does make exemptions for authorized user accounts as it can not denote the difference. In addition they stated they do not personally review accounts which I know to be false and find this to be discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My first complaint dealt with Equifax requesting MY driver 's license to obtain a credit report for my deceased mother AFTER I sent to them her death certificate and Letter of Administrator which has my address on it. My complaint also dealt with Equifax not having knowledge of my driver 's license that I sent upon their request. I received MY credit report on XX/XX/XXXX - I never requested one for myself. I called Equifax immediately and spoke with a Supv'r who told me that my driver 's license was scanned but she could not read my address. I told her she could verify my address off the Equifax credit report that was sent to me without me requesting one. She refused. I received another credit report today ( XX/XX/XXXX ) for myself without request. I received TWO reports in my name I did not request and a report for my mother received today ( XX/XX/XXXX ) that was mailed ONE day ( XX/XX/XXXX ) BEFORE a telephone conversation with a Supv'r ( XX/XX/XXXX ) who stated " no report for my mother would be mailed out until they receive a copy of my driver 's license that they could scan and then read the address. '' Then, today in the mail I received an informational letter that they would release a report for my mother when i would send them a death certificate and a Letter of Administrator. The logic in this procedure is POOR because I sent them these two documents after the first request for my mother 's credit report as her executrix. 
My concern with respect with identity theft is that Equifax had a copy of my driver 's license that they could not locate and they stated they did not receive it but they had it because the Supv'r said she could not read the address. Then she requested a copy to be sent again and I refused because they misplaced the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I am XXXX years of age. I discovered that One Main Financial has charged me for unemployment insurance a few months ago. I have requested ( on XX/XX/XXXX ) that they refund these premiums since there would have been no coverage because of my retirement and age. In addition, my original contract with the lender required a reduction of interest as long as payments were made on time, which I have done for the last several years. However, there has been no reduction and, therefore, I was overcharged interest on this account for a number of years. I requested that this be done in my correspondence to them on XX/XX/XXXX of this year. As of this date, I have received no response to my requests for these refunds and I believe they have elected to ignore my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I modified my home equity loan with Chase Bank and established a monthly payment system with them that would automatically withdraw my account for a monthly installment of {$490.00}. 

In XX/XX/XXXX Chase withdrew all of the money I had in my account ( amounting to {$2000.00} USD ) without notice or warning. After speaking with a representative, they informed me that their system had committed an error in establishing a payment arrangement and that the installment they were withdrawing was insufficient. They then demanded I pay {$60000.00}. 

As a result, my credit score has been severely negatively affected for complying with Chase 's agreement and are refusing to establish my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that XXXX is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. XXXX indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called XXXX and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes  while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. XXXX continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has closed my checking and saving accounts without my consent. When I ask the reason, they refuse to give me the reason. I have even called the bank 's headquarter and still don't give me a reason or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am Submitting this complaint with the CFPB due to Experian NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/2018 I sent a dispute letter to Experian on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to Experian that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Experian doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: BB&T CORPORATION
State: FL

Complaint narrative:
I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX  and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX  stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. XXXX  deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
A debt validation letter was sent out on XX/XX/XXXX asking portfolio recovery to validate debt that ar reporting on my credit report and in response they only could only send a letter stating they had verified it their records but not provide physical validation proof therefore I didnt get proper validation of the debt they are saying is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This complaint is a follow-on to my previous complaint # XXXX. 
I have 2 Kohls Charge Statements now ( closing XX/XX/18 & XX/XX/18) to upload as well as a PDF showing a secure message that I sent them through their website about their fraudulent practice of claiming to have corrected their double payment error by issuing me a refund check on XX/XX/18. They have not responded to my secure message. They simply repeated my message as a reply and marked the status as completed ( a totally bogus response ). 
I have never received this check in the mail, so I could not have cashed it, thereby allowing them to have proof to proceed in changing my negative balance into a positive balance again.

Company response to consumer: Closed with monetary relief