vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the credit card limit was {$500.00} they told me someone took about {$1500.00} from credit card how is that posiable when the limit is {$500.00} they autherized {$1500.00} when i contacted them they wasn't helpful such as they can't take the complain over the phone has to be summited by mail hours if hon on the phone this credit card company known to give hard time to consumer they don't even take online payment you have to call them and give them checking account with additional payment fee to process the payment. 
i tried everything to resolve this matter but i failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax follow up from Complaint ID XXXX Thanks for responding back to the complaint with the Cfpb. however You still DID not address my concerned. I DID NOT ASK YOU FOR CREDIT REPAIR ADVICE I ASKED AND WILL ASKED AGAIN! FOR YOU TO SEND ME THE ORGINIAL SIGNED DOCUMENETS THAT THE FEDERAL GOVERNMENT INSTRUCTED THE REPORTING AGENCIES TO HAVE IN YOUR POSSESSION AT ALL TIMES THE FCRA 609 ( A ) ( 1 ) ( A ) AND SECTION 611 ( A ) ( 1 ) ( A ) ALSO SECTION 611 ( 5 ( A ) BUT I'M NOT CONCERNED ABOUT GETTING THE CONTRACT ANYMORE BUT HOWEVER I'M CONCERNED THAT YOU FAILED TO INVESTIGATE WITHIN THE 30 DAYS THAT THE FCRA ALLOW THE REPORTING AGENCIES ALLOW YOU TO. PER THE FCRA IF AND SHALL NOT COMPLETE IN 30 DAYS THE ACCOUNTS MUST BE REMOVED I HAVE ALREADY NOTIFIED THE MN ATTORNEY GENERALS OFFICE WHO SHOULD BE IN CONTACT WITH YOU IN THE COMING DAYS ALSO I WILL FILE LAWSUIT IN FEDERAL COURT WITH IN THE NEXT 5 DAYS SO HELP ME GOOD WITH ALL OF YOUR BURGAGE YOU SENT IN YOUR REPONSE YOU WILL NOT SEND ANYTHING VIA THE CFPB WEBSITE JUST CURIOUS YOU DON'T HAVE THE ORIGINAL CONTRACT DO YOU? IF NOT WHY DON'T YOU PLEASE ANSWER YOU ARE BREAKING THE LAW EQUIFAX. BUT REMOVED ALL ACCOUNTS LISTED ON THE PRIVIOUS COMPLAINT. ALSO TO ANSWER YOUR QUESTION FROM PRIOR YOU ARE EXACTLY RIGHT CREDIT REPAIR COMPANY CAN'T HELP ME AT THIS POINT BUT GUESS WHAT YOU CAN BY REMOVING THE ITEMS THAT YOU FAIL TO INVESTIGATE IN 30 DAYS! 
THANK YOU SO KINDLY LOOKING FORWARD TO WORKING WITH YOU IN THE COMING DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX  NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days. I also used someone's refer ( XXXX XXXX with account no XXXX ) and each of us would get an additional {$50.00}. However, I met the requirements but I don't see either the {$200.00} or the {$50.00} referral bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CO

Complaint narrative:
I was declined by a Chase Credit card on XX/XX/XXXX after calling the credit card to ensure that I would not be denied due to a prior bankruptcy. The agent told me although it would be considered, it would not be the only factor considered. After being denied, I called Chase and spoke with 4 different agents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Each agent gave me a different answer with two saying that I was declined due to having very little credit history on my credit report. I pulled my credit report and found that XXXX  XXXX was reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/XXXX ) ; no usage ( I have used the card every month since XX/XX/XXXX ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing and I filed a complaint with the credit bureau and it was subsequently corrected. However, despite the fact they found the recording of the agent telling me I should apply and would not be denied due to the bankruptcy XXXX  7 years ago and that another agent said I was denied due to no credit history, which was reported incorrectly by my credit card, XXXX XXXX, and is now corrected, they will not extend credit, even a prepaid card. Additionally, I explained that the bankruptcy was caused by my now ex-husband 's investment in real estate and the fall of real estate values in XXXX. Personally, all of my bills are paid and I have no debt. I believe they are unfairly discriminating against me because I am an XXXX XXXX over 50 years old, rather than looking at my financial situation and my demonstrated payment of all my debts after I divorced my ex-husband who still does not pay his bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: NJ

Complaint narrative:
I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XX/XX/XXXX + {$470.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$240.00} Needs Attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Complaint is with the JP Morgan Chase Bank and the US Treasury Department. 

My name is 'Nobody ' and I am now XXXX XXXX years old. I need, at this time, to get my affairs in order. 
I purchased a Certificate of Accrual on Treasury Securities, ( CATS Series S ), on XX/XX/XXXX, XXXX No. CPN-S XXXX, XXXX XXXX XXXX XXXX XXXX ) This CATS certificate was transferable at the offices of : XXXX XXXX XXXX XXXX XXXX New York. 

XXXX XXXX XXXX XXXX was purchased by the JP Morgan Chase Bank.When this happened, What happened to my CATS Series S certificate. 
I have been told to contact the US Treasury, ( No Satisfaction ). 
I have been told to contact the Federal Reserve, ( No Satisfaction ). 
I was told to contact XXXX XXXX, ( No Satisfaction ) I need to have this issue resolved soon. I do not want to have this CATS cert. to just disappear in a lost file somewhere. 

I have spent many hours on the telephone and internet, since XX/XX/XXXX, trying to track down the Bank responsible for this certificate, that I understood, in XXXX, was a rock solid investment. 

Who is in possession of this certificate? 
Who is responsible for payment, to Me, on this Certificate? 
How do I receive payment on this certificate? 
Can I transfer the funds from this certificate to a New account for my XXXX? 

Please Help! 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I first received and unsolicited check in the mail from a particular company and it stated the terms if I were to cash it. I cashed the check and made regular payments on that loan until it was paid off. I later went into the office to receive another loan on XX/XX/2018, and was making regular payments on that loan as well.

In XXXX I was experiencing financial difficulties and I sent them a letter detailing my situation as well as when I could start repaying my loan. I have been harassed to no end with phone calls to my job, my personal references, and my cell phone. On yesterday, they went one step further by making an unauthorized hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I met with XXXX XXXX XXXX, to inquire about purchasing a XXXX XXXX XXXX. I had the vehicle inspected by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  cleared the vehicle, indicating the engine was okay. On my home, a short time after purchase, the vehicle started to hesitate and lost power. Immediately, I contacted XXXX XXXX broker to return the vehicle and request a refund. The transaction took place from my debit card using XXXX XXXX. XXXX ignored my calls and rejected my refund request. I contacted my Navy Federal Credit Union to initiate a refund or stop the transaction since it was a fraudulent transaction. I received a provisional credit of {$2400.00}, pending further investigation. 

On XX/XX/XXXX, Navy Federal Credit Union reversed the provisional credit, since the transaction took place through an intermediary app. That resulted in my bank account being overdrawn by - {$1300.00} and potentially ruining my credit. I was told by the supervisor, the transaction happened peer-to-peer and the funds were lost. I inquired about being protected by the FDIC and was told XXXX XXXX  does not follow federal regulations, and I would have to retract my money directly through XXXX XXXX. I have since incurred late charges to my loan payment due to my account being overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: LEXISNEXIS
State: NJ

Complaint narrative:
I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XXXX XXXX, XXXX + {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$240.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CA

Complaint narrative:
Equifax continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Equifax as : XXXX XXXX XXXX XXXX ... # XXXX These two accounts, having never been properly separated and distinguished by Equifax as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Equifax, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Equifax agents understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Equifax form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like them from having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). Equifax and XXXX are in violation of FCRA regulations ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
The representative has been calling me after I told him not to contact me anymore. I told him that the debt was invalid. Sent him proof via email and he repeatedly calls me. He even is calling at XXXX and XXXX. I have sent numerous emails to him to stop contacting me and he won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: STATE FARM BANK, FSB
State: MO

Complaint narrative:
When I bought insurance from State Farm I was solicited to get their credit card. At the time, the " auto-pay '' was never established so the card has not gotten much if any use. 

I called on XX/XX/19 to deal with a problem on my auto/home insurance billing. I was repeatedly transferred to the banking operation who insisted on verifying my identify requiring my full social security number. After the 7th transfer, and all manner of apologies, the last person took offense when I refused and hung up on me. 

I sent an email complaining of the poor service and indicating I was considering ending my relationship with State Farm and asking for information on cancelling the card if they were going to continue to provide this poor service. 

I never received a response to the complaint. I did however about 10 days later receive a form letter indicating they had closed the account " on customer request ''. I immediately called and indicated that we didn't want to do that. They have steadfastly refused to correct this, requiring a new credit " hard pull '' and a new application. 

It is very difficult if not impossible to deal with the auto/home insurance customer service without being stuck dealing with the banking side. And I find the banking side to be extremely difficult, and in one case, rude to deal with.. 

On XX/XX/19 when I called, I spoke to a supervisor " XXXX '' who indicated he would get back to me on XX/XX/19. I never received a call back or any other form of communication. I followed up on XX/XX/XXXX, was transferred again 4 times to get to a 2nd level supervisor. I was repeatedly told ( by all 4 agents ) that they couldn't access my information because " that was a different department '' or " they didn't have access to that information '' etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a checking account, and later a savings account, with JP Morgan Chase Bank for about 8 years. I protected my money by obtaining overdraft protection for my checking account. I have saved for my first half property taxes and was able to pay it by the due date. 
Around XX/XX/2018, Chase decided, without my permission, to change my savings account into a checking account, effectively cancelling my overdraft protection. I pleaded with a bank official in the home office to restore my savings account as I didn't want 2 checking accounts and I was now vulnerable to overdraft fees of {$34.00} per transaction. He refused. Since then, my savings have been steadily depleted by overdraft fees, none of which was the bank willing to forgive. About {$470.00} is gone so far. I am coming up short on my property taxes, I don't know if I can raise the shortfall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence resource management keep calling my phone all day every day i don't answer my phone. i know i don't owe no credit cards or no bills i check my credit report and a debt collection agency put a XXXX bill on My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our Mortgage was sold to Shellpoint Mortgage 5 months ago from XXXX XXXX. 
My husband and I completed a loan modification with XXXX prior to the transfer. 

Shellpoint currently has outdated information reflected on our account they claim we owe over six thousand dollars in missed payments which is inaccurate. Before our mortgage was transferred over from XXXX our loan balance was XXXX and our account was up to date and current. Shellpoint mortgaging is reflecting an inaccurate mortgage balance of XXXX and over 6,000 of  missed payments and late charges. 

I have sent over the documentation proving our loan modification and a Shellpoint Representative verified the information was received. A Shellpoint Rep also verified the official copy of our loan modification was sent over by XXXX but our account has not been updated. According to Shellpoint it will not be updated until we sign a new loan modification from Shellpoint. The  representative told me If we don't agree to sign the modification we will be forced to pay the XXXX of  back payments that should not even exist because we never missed payments!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days.However, I met the requirements but I don't see the {$200.00} bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). XXXX and Transunion are in violation of FCRA regulations ...

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