vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For the past few months, I have been in contact with all of the credit bureaus due to me becoming a victim of identity theft. XXXX  and XXXX  has since responded and removed majority of the fraudulent accounts. Transunion on the other hand has not responded with accurate verification. Accounts XXXX XXXX, XXXX, and XXXX  XXXX XXXX   still remain on my Transunion report. I have included several pieces of supporting documentation which included a copy of my Federal Trade Commission report. I also requested for fraudulent addresses, names, and other personal information to be updated and corrected. I never have been associated or received any money, goods, or services in relation to the fraudulent accounts mentioned above and I have taken specific measures on my part to have them removed. As part of the Fair Credit Reporting Act sections 605b, 609, and 611 Transunion must be held accountable and remove the fraudulent accounts in question.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My transfers begin the XXXX  if each month with Marcus By Goldman Sachs accounts. They give customers 6 transfers. I logged into my account and scheduled a transfer for XX/XX/2020 and the message I got was letting me know they were blocking my account from legal transactions and were not giving the money to me as promised by contract. Attached is an image of what the screen showed each time I tried to schedule for XX/XX/2020. They blamed it on their website which is not true this is how they deny XXXX customers their money.

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: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I reached out to this company several times as they are reporting A medical bill from XXXX XXXX XXXX. I have not nor have I ever recieved care from this facility or any other facility during the time they are reporting. I wrote A letter to the company requesting proof of this debt. Showing orginal documents with my signature and photo copy of DL. Which they would have if I seemed there service. I have not recieved a response and this incorrect information is still reporting to my credit report.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a bank account with chase bank and used my over draft for roughly XXXX.  Shortly after opening I suffered A XXXX and was out of work so I was unable to deposit the overdraft back into the account in A timely manner. I asked A family member for help to clear the account and they wrote me A check in which I deposited into the account. The family informed me the next day she wrote the check mistakenly from the wrong check book. ( She has multiple accounts ) I immediately contacted chase and asked them to do a stop payment on the check so that it would not become available and overdraft my account more. They stopped the check and all was fine. Eventually the account closed due to me not paying the XXXX in time. I went to open a bank account and was informed chase has reported " Account abuse '' on my banking history report. I never abused the account and it was closed due to the overdraft. I spoke with XXXX XXXX who informed me to write a dispute. I completed the dispute and has had no outcome or resolution since. I informed chase in branch rep that I would be willing to pay the XXXX as I am back working. But I would like the incorrect info removed. I informed her it should have showed closed die to overdraft because that's why I owe the balance. I was informed they sent an email but due to cornavirus they're not sure when I would get a call back. It's been almost A month and this is still on my banking report with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Sunoco gas credit card numbers were stolen per Sunoco customer service phone conversation in XXXX. She stated it was being used in Ca and throughout Pa and said they were cancelling the card as I agreed. I wanted to ensure I was not responsible for any charges and she replied no since the credit card agreement states that in written form. Since then they have placed this fraudulent debt on my credit report when they were fully aware the credit card number were skimmed I believe they called it and is common problem. Long story short I filed in XXXX in Delaware Court and the judge agreed that I should not pay for this debt when their own contract states that I am not responsible for these charges so they were court ordered by a judgement to pay their charges to myself which they did in addition to court fee 's. I assume everything was clear until XX/XX/XXXX letter I received from their security department requesting I call them and I did XX/XX/XXXX @ XXXX XXXX and spoke with XXXX. He noted everything as I answered his questions and he also agreed that this should be closed and taken off my credit report. On XX/XX/XXXX dated letter again requesting I call their security department as I did XX/XX/XXXX at XXXX XXXX and spoke with XXXX who reviewed the notes and also agreed that this was closed and all the info they have in their notes and should be removed from my credit report. He stated I now should contact Fraud Research dept. XXXX XXXX XXXX, XXXX XXXX, DE XXXX which I did again. I have spent hours on this issue and the court agreed I was ot responsible for any payments under their credit card agreement but this is still going on.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Acct ending in XXXX I opened a business account on XX/XX/2019 in the XXXX XXXX XXXX branch and i was supposed to receive a bonus of {$500.00} upon fulfilling the requirements for 3 months which i did. However i never received the bonus. Also i called in to customer service during the 3rd month and they confirmed i was compliant to the requirements to receive the bonus and i would receive in XXXX. When i didnt i called again and at first the rep claimed no such promo existed. I then told her i had a screen shot of the promo i used with my unique identifier on it. After a few transfers i was notified i did not meet the requirements and would need to go in to a branch. Due to coronavirus it is unacceptable to send a customer to a branch to receive a bonus they 100 % qualify for. 

I will now list all requirements along with my actions taken and upload all supporting documents. 

1. Visit branch ( went to XXXX XXXX XXXX ) 2. Deposit atleast {$25.00} ( I deposited {$23000.00} ) 3. Have {$15000.00} on day 30 and day 90 and have 5 or more transactions post in 90 days ( I had {$15000.00} average all throughout and posted well beyond 5 transactions in 90 days )

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I am a second generation college graduate and Ive been struggling with NAVIENT for years. I was strongly suggested for years to request a forbearance when I was jobless and struggling to pay rent while working a full time job and to try different plans, which in my ignorance raised my interest and kept resetting my PSLF plan and recalculating my IBR. In XXXX I hit the tipping point and cried and sought legal counsel after I had saved up enough money to make an offer to payoff my loans. I was told that XXXX XXXX VP Navient would review my request. I called back at the end of XXXX to learn that he denied my request because I hadnt defaulted or been behind in years. I was told by the representative on XX/XX/2019 that if my account had been delinquent and I wasnt able to pay then he would have accepted my offer. To make sure I was getting the same story ... two other representatives said that it is typically NAVIENTs practice. As a XXXX XXXX American woman, it breaks my heart and makes me want to speak up for others who may not have the education nor desire to ask for justice and help. My scenario was I can only go to college with a loan at XXXX  so Ill start applying, I cant pay back the loan right away so I have to take a forbearance, I can start paying the loan but i wont be debt free until 20 years so Ill work for a non profit and do good in the world while hopefully getting my federal and maybe private loans forgiven, I save up money to be debt free so I am not a burden on my husband and our two girls .... and then NAVIENT gives me hopeless options continue to pay on the loan for 10+ more years, pay off the entire loan or become delinquent-Ness up your credit score and then theyll accept my lower offer. It seems like an injustice and abuse of power. I continue to pay monthly, because its my duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I called Citibank regarding my credit card ending with XXXX. It has been closed for quite some time due to Fraud and I was forced to pay this balance off which I have been for years. I recently paid my last payment on XX/XX/XXXX, and since we are in the COVID-19 pandemic, my salary was reduced and I called Citibank customer service XXXX, and spoke to XXXX who offered me a two month deferment, no increase in the APR or any late fees. She set me up and said that she would transfer me to the RVR to complete the process. Then she sent me to silence, then back to the automated system where I spoke to another CSR named XXXX, who was very unhelpful and started to get rude, I asked for a manager or supervisor, and she replied with " Im so sorry we cant help you at this time '' I asked once more for her manager and she said the same response and then hung up on me. Im going to file Bankruptcy if this can not be resolved since they have been very unhelpful in the past, and would not remove a {$700.00} charge that was fraud although I fought with them for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: Palmar, Inc.
State: AL

Complaint narrative:
my exs lived with while i realize i attract the XXXX  of the earth, and divorced both. they agreed to pay these debts they created in my name withot my permission but have yet to do so. how can I get these off my credit report as they are not my charges. if you look my bank family savings credit union my light bill all my bills are paid on time im not ever late. 
I trusted my husbands that lived with me, they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, you name it in XXXX if any cards or credit isnt bad it isnt mine. look and call my bank family savings credit union ive never misses a payment and my phone is through XXXX  i have always had prepaid or government phone. im on XXXX im very low income i dont live above my means. I dont like being punished for someone elses stuff on my credit it isnt right nor fair!

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30 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: LA

Complaint narrative:
I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!

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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report JPMCB AUTO - - XXXX XXXX, XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My organization has a checking account with PNC Bank. For the two months, we have started to incur analysis fees in the amount of XXXX on XX/XX/20 and XXXX on XX/XX/20. In checking with the bank, we are being charged {$3.00} for each night deposit that we make. Part of the fees are offset by earnings on the account, but the fee itself makes no sense. We are being penalized for putting deposits into our accounts. We do not have an option to use the ATM or mobile deposit because each night deposit contains a large amount of cash. It is also done outside of normal banking hours because of the nature of our business cash flow cycle. 

Now with COVID, PNC has restricted access to the branch lobby. They are basically saying in order to avoid this {$5.00} night deposit fee we should risk our life to make the deposit at the drive-up during their limited business hours. This is anti-consumer and the fee should be eliminated from all checking accounts at PNC. 

I have spoken with our XXXX Banker at PNC and she also thinks the fee should not exist but of course there is nothing she can do about it. This is a great example of a banking executive making a decision in the best interest of the bank 's bottom line which hurts their customers and now is potentially putting human life in danger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I haven't received a mortgage statement in 7 months. TD Bank does not post statements online, so the only way to receive them is by mail. I've reached out to them on multiple occasions and all everyone has tried to do is to confirm my address, which has not changed. I receive other mail from TD Bank including receipt of payments, but no mortgage statements. I have no way of knowing what my remaining balance is. I continue to pay online without ever receiving a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is helping its clients with COVID 9 impacts, by providing an electronic method of deferring payments due to COVID-19. 

My account is closed, closed by Chase, even though no payments were missed. 

My wife lost her income due to the Pandemic. Chase is stalling assisting me, telling me to click the online link, they did this two times. 

When I told them they closed my account, and the system is not setup to handle this scenario, they then finally told me to call. I tried on four ( 4 ) separate times to contact them, but unable to get through. 

I requested to be escalated to Office of the President, and they refuse to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Received a credit monitoring alert indicating on my XXXX credit report that a collection item from CONVERGENT OUTSOURCING was placed in my credit report. I do not have any record of doing business with CONVERGENT OUTSOURCING, I dispute the validity of the debt which does not have an account number, original creditor or any verifiable account information. This unverifiable collection item needs to be immediately removed from my XXXX 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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This month on XX/XX/2020 I received a notice from Lowes Credit Card in XXXX Mi.that they checked my credit, and decided that the XXXX dollar limit that I had was to much, and they reduced it down to what is owed at XXXX dollars. They decided to do this during the covid- 19 pandemic. Adding to the already stress of worrying about my credit report among other stress related problems.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) I applied for a car lease loan on XX/XX/2020. 
2 ) XXXX claims they received a score from Equifax of XXXX. They approved the loan. 
3 ) On XX/XX/XXXX I arrived to pick up car and they alleged that Equifax gave them a score of XXXX. The loan was modified. I suspected a scam. 
3 ) They claim they have the proof to confirm that the " XXXX '' is valid. It is hard to believe their claim because .... 
4 ) Data on my Equifax report does not support a 53-pt reduction in a span of 18 days. 
5 ) If anything, data reveals a reduction in debt, hence score would remain the same, at worst. 
6 ) I need to confirm that Equifax INDEED supplied a score of " XXXX '' to XXXX in order for me to consider a next step, legal or otherwise. Without this confirmation, I am unable to proceed in either direction. 
PLEASE HELP!!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC IS REPORTING NEGATIVELY TO CREDIT REPORTING AGENCIES AND IS TRYING TO COLLECT A DEBT THAT HAS REACHED THE STATUE OF LIMITATIONS

Company response to consumer: Closed with explanation