vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: NY

Complaint narrative:
I was trying several times to open chase sapphire credit card. 
I was rejected many times. The reason : many credit cards. 
I have only 3 from other banks with 0 balance. I spoke to credit reporting file. They confirmed I had 6 before. I have 3 closed 5 years ago. And have 3 active ones I always pay on time. My credit score is XXXX. 
Surprisingly chase sent me mileage  card with XXXX line of credit. 
I didnt ask about XXXX   card. They sent it to me by mistake. 
Its weird. Because right after I closed XXXX  card and wanted to open XXXX  again, I was rejected again. 
How many cards am I allowed to have if all of them paid within required time. 
I dont understand the reason for rejection. I have investment account in the bank of {$400000.00} Please help me to resolve this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had used a CapitalOne Visa credit card to pay for travel. Due to the Covid-19 restrictions the trip was cancelled and the company refunded the money. On Friday XX/XX/2020 it appeared as a Pending credit in my account. I called to have it sent to me and was told they could not begin the process while it was pending. On Saturday XX/XX/XXXX I spoke with XXXX in Customer Service at CapitalOne who explained to me that their policy was to issue a paper check, they were not able to refund it directly to the checking account from which monthly payment is taken. She started the request for check and said it would be about two weeks. 

Wednesday XX/XX/2020 I checked and there does not appear to be any activity to move the credit balance. I called Customer Service and spoke with XXXX who informed me they were working on the transfer but it would take a minimum of fifteen business days. I asked to speak with a supervisor and was transferred to XXXX. We discussed federal banking regulations limiting the amount of time a financial institution can hold funds and that since this had been an electronic transfer a hold of fifteen days was out of compliance. He explained that was an internal CapitalOne policy and there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am applying for a mortgage my name is XXXX XXXX. my lender pulled a credit score on me in XXXX and now we are trying to pull it again and they will not allow me to pull it again. I have called them 8 times and they still will not release my score. I have verified there is no freeze on my account. There is no fraud alert on my account. my mortgage company still can pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  id XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
Im filing this complaint because I have not received my regular monthly mortgage statement from Selene finance since they took over my mortgage from XXXX XXXX  in XX/XX/2020. 
Secondly, according to the last monthly mortgage statement I received from XXXX XXXX  in XX/XX/2020 just before they transferred my mortgage, my regular monthly payment was scheduled to go down to {$2600.00} starting XX/XX/2020, but instead of going down, on XX/XX/2020 Selene finance increased my mortgage payment to {$3400.00} without giving me any written notice or explanation as to why the payment was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to link my regular bank account to make deposits to my savings and it wont allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I have contacted Trident Asset Management, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: FL

Complaint narrative:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Nelnet, Inc.
State: FL

Complaint narrative:
I did not want to attend XXXX University Online. I withdrew before the deadline because I knew the program wasn't right for me and they still call me about the aid they tricked me into for their one week of classes I did not even attend online. They are crooks. As far as I am concerned I don't owe them anything since I am on Nelnet 's XXXX  Discharge program for forgiveness of my student loans..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion. I have had a collection account XXXX XXXX XXXX XXXX XXXX Transunion File number XXXX disputed several different times with Transunion. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my Transunion report. I disputed it again and was told by Transunion that they verified it to be accurate. Transunion refused to provide me with the documentation that the company sent to Transunion to prove this was my account. However, Transunion removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with Transunion and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my Transunion report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like Transunion to remove the collection account from my credit 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 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XXXX we reached out to Freedom Morgage ( who holds our FHA loan ) and inquired about refinance rates. After we discussed it, my husband and I decided to sell our home instead of refinancing. It took us 3 months to put our home on the market and 2 additional months to have an offer on our home. We accepted an offer and started moving forward on the paperwork when our buyers morgage company discovered that Freedom Morgage unlawfully against our knowledge opened a case # against our address the following day after we ONLY inquired about rates. The buyers for our home are unable to get a FHA case # assigned to them while there is an active case # on us. I reached out to Freedom Morgage at XXXX this morning and it is now XXXX and they refused to close our case # today, potentionally costing us the sale of our home and the contract of our new home due to it being contingent on ours selling. We were transferred more times than I can count and placed on hold for hours at a time with people who never came back to the phone and never made the call backs they promised. Freedom Morgage has the ability to cancel our case # by simply logging on to FHA connection yet refused to do so. After SEVEN AND A HALF HOURS of being on the phone with them, the BEST they were willing to do is contact HUD and request it be cancelled, but we reached out to HUD and have it in email that that is not the correct way to handle this and that Freedom Morgage was to log onto FHA connections and process this. I have names of most people we spoke to, also have the extension # of the person who never bothered to return our call. I am beyond angry at how horribly they have done business with us. This is the second morgage we have had through them and we will never have another after this horrendous customer service. We did NOT give them permission to open a case # on our property. We were not even notified that they did! Because they were not willing to close the case correctly today, our closing is now delayed and we may lose the contract on our new house due to their atrocious customer service.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
For one, I dont know who these people are. I never gave them permission to go into my personal information to obtain my personal information. Which resulted in higher interest rates of a recent purchase. My credit score was extremely low compared to other reputable agencies. I truly believe their main purpose is to help crooked business to charge the consumer more monthly payments, because of low credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CA

Complaint narrative:
Experian Credit Reporting agency refuses to fix documented incorrect information.

I have submitted dispute 7 times, several with supporting documentation.

They refuse to correct the

information. All the report needs to say on Mortgage Loan is that it was " sold or transferred ''. Instead it says " Discharged in Ba
nkruptcy ''.

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 2020-04-29 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: GA

Complaint narrative:
I have made several attempts to have unverified information deleted from my credit report from XXXX   and Experian. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.

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 2020-04-29 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: NCB Management Services Inc.
State: PA

Complaint narrative:
My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with XXXX XXXX. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from XXXX  on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from NCB Management Services Incorporated, stating that they were collecting the {$890.00} debt on behalf of XXXX, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with NCB to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to XXXX  in order to get approved. I went back to the NCB website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched NCB on the BBB and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
1 ) I scheduled {$10000.00} to be transferred from my Citi savings account to XXXX XXXX XXXX   ( XXXX ) on XX/XX/2020.

2 ) SNB never received the funds and when I called Citi on XX/XX/XXXX, the agent told me that the transfer was cancelled out of concerns for fraud. Then I questioned why the {$10.00} was still deducted from my account, he informed me it should be back into my account automatically. 
3 ) On XX/XX/XXXX, still not seeing the money back into account, I called again, and the agent assured me again it should go back to my account soon. 
4 ) I urgently needed the money but still not seeing it back onXX/XX/XXXX, I had to call again. But after waiting on the phone for more than one hour, I got disconnected by the system! By the way, for the previous two calls, each time I had to wait for more than one hour before I can speak to an agent. 
5 ) Called again on XX/XX/XXXX ( this time I wrote down the agent 's name : XXXX ) -she said she would create a case and escalate this issue. 
6 ) XX/XX/XXXX, still nothing! Called again, the agent didn't see any active case in my account! But she was finally able to create a case ( investigation XXXX ). 
Again the call took me quite some time ( 2h41m on XX/XX/XXXX ). 
7 ) On XX/XX/XXXX, almost one month later, the {$10000.00} was finally put back into my account.

8 ) I have been extremely frustrated with this experience - Citi 's system glitch ( cancelled my transfer request but still took money away from my account ) was very weird, but the way the customer service was resolving this simply issue is just unbelievable! Not only I lost interest during this period of money disappearing, but much more importantly it cost me a ) more than 13 hours of time ; b ) the opportunity cost of the {$10000.00} ( I was transferring money into my brokerage account ).

9 ) I called on XX/XX/XXXX, asking if I can get any compensation on this. The agent told me that she was not able to provide any credit, even for the lost interest!

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 2020-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I took out my private loans in XXXX. I call a couple of years back because my federal loans went from twenty years to thirty-year loans. They explained to me that it was because I had consolidated my loans for a lower interest rate. At the time this was not explained to me. Fast forward I was looking at a credit report from XXXX and it clearly shows my private loans as a loan term of 240 months or twenty years. Suddenly in XXXX, my estimated payoff date is XXXX instead of XXXX. They can not seem to explain to me why they have added three years to my loan payments. 
This is fraudulent and I would like them to make it right. I have not placed my private loans in forbearance or any other stop payment type action. I have paid them consistently over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have contacted LVNV Funding, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with LVNV Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 ( see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2020, at XXXX XXXX, I made a XXXX $ money transaction with a person name XXXX on the Cash App ( his profile is XXXX XXXX ). After we made the transaction, the seller blocked any of my contacts and declined my refund request. I have contacted XXXX to report such case but received an automated email about how they can not refund the completed transaction. I try to contact my bank while the transaction is still processing, but my bank said that they can only help me to open a dispute after the transaction is final. Is there any way that I can stop the process? Thank you.

Company response to consumer: Closed with explanation