vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, Short story : Chase Bank refuses to open Business Checking accounts for General Partnerships licensed in XXXX XXXX. They keep changing what documents are " required '' for KYC despite us complying with everything. 


On XX/XX/15 I walked into Chase Bank to ask questions about opening a Business Checking Account for my band. My band has a Federal TIN and is registered/licensed with the city of XXXX XXXX as a general partnership ( only two owners ). We already have a XXXX XXXX account with XXXX XXXX XXXX XXXX but decided to move to Chase. After I confirmed with the banker at Chase that everything was in order, I then closed the account at XXXX and walked back to Chase with an Official Check and my business documents. 


The banker then proceeded to inform me that I don't have " partnership agreements ''. In the city of XXXX XXXX, such agreements are not necessary, moreover, that is not an actual legal document. I've already successfully filed taxes and had checking accounts with this business for a year - it's tiny, just a band that I have on the side. 


I then called XXXX and asked what they would need. We have driver 's licenses for both partners, passports ( or debit cards for second form of ID ), XXXX XXXX Registration Certificate, and a Federal TIN. They said that should be enough to open the account. When I tried a second time they then said my XXXX Registration Certificate is wrong and should list both partners. I checked with the city and even logged into my online portal to be absolutely sure I registered the business properly with both partners. Both partners are accurately listed with the city but the city does not identify partners on their certificates, just the DBA/Business Name. Here is an example of a XXXX  Registration Certificate I found online : https : XXXX Partners can be verified using the city 's online portal by anyone, but they charge a fee which I'm assuming the bank does not want to pay. I even offered to pay this fee and they refused. So I'm literally stuck with no bank account right now because the bank is unable to figure out their own KYC requirements. I'd understand if I had made a mistake on my paperwork but that is definitely not the case. I used to work in compliance at a bank and I'm frankly puzzled by what additional documentation we'd have beyond Federal TIN, XXXX, and Driver 's Licenses for the owners. This isn't an XXXX so no Articles of XXXX or anything are needed. Not only that, but the bank keeps changing the requirements as if they are making this up each time. We are just a small funk band that makes maybe a few grand a year as a side project. 

Locations involved : Downtown XXXX XXXX and XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day. 
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018. 

It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I opened an account with Bank Of America. I made a check deposit and it didnt clear. They reported that information as a Suspected Fraud Activity on XXXX   XXXX showing an open balance of {$490.00} and now I am not able to open an account which I really need to manage my business. I never tried to commit fraud to Bank Of America. This was not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by Equifax. XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of Equifax with regards to these accounts. I provided them proof of the inaccurate credit reporting. Equifax did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote Equifax directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that Equifax received the dispute. A copy of this complaint as well as past CFPB complaints on Equifax is going to the FTC, Georgia Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have owned my home for about 10 years now and I have paid many designated principle only payments above my required monthly payments. On XX/XX/XXXX I reached out to my mortgage company and requested that they send me an updated amortization schedule so that I could see how much my extra principle payments have effected the repayment of my loan. On XX/XX/XXXX They sent me back a letter stating that they are unable to provide this information. I then called the servicing company on a recorded call and requested if they could at least provide me with an updated final payment date that factored in the additional principle payments they have received. They responded by saying that this also could not be provided. I'm making these extra principle payments to shorten the life of this 30 year mortgage, but if the mortgage Servicer can not tell me how my extra payments are affecting the life of my mortgage, than I'm concerned that they aren't even applying the payments properly. I'm afraid of them over collecting and cheating me of my extra payments in the end. I don't want to wait 20 years to find out. I should be entitled to knowing how my payments are affecting the length of mortgage term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I have a derogatory mark for a collection from XXXX XXXX XXXX   starting XX/XX/2015 of {$160.00}. It originally came from XXXX. I had no knowledge of this derogatory mark. I had a motorcycle for a very brief period in which I had to get insurance on. I never had ANY issues with payments at all. I had everything on autodraft. So I was very surprised to see the derogatory mark and not have the ability to get it removed. I am hardworking and starting a business and want to put myself in a better place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I  will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX XXXX. This account is time-barred and needs to be removed from my credit file. On XX/XX/XXXX and XX/XX/XXXX, I  complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to this account. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, XX/XX/XXXX Attorney General, XX/XX/XXXX Attorney General, XX/XX/XXXX and my legal counsel.

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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am currently three months in default on my loan. I am able to make a payment around 1700 a month continuously until my income increase. I don't want to go into foreclosure. My lender has not reached out to me to do a face to face. I need your help as I don't want to wait until it's too late. Please audit my mortgage and make sure that their are not any improper charges added or calculations not properly deducted.

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 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters  violating rights and etc. I have tried to reach out to the main company as well as the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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:
Equifax is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX  XXXX XXXX -- - # XXXX XXXX XXXX -- - # XXXX XXXX/XXXX XXXX -- - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX   in california  using my USAA XXXX XXXX card for {$1500.00} and {$1500.00} on a XXXX credit card. The vehicle broke down on the way home and I contacted everyone to get it resolved. The dealership told me to basically " XXXX off '' and that it wasnt their problem. I called XXXX and they resolved the issue within 1 business day and I had the money back in my account. USAA has now been " investigating '' this issue since then and still does not have the issue resolved. Every single time I call in there is a mysterious department that no one in USAA can contact who is " investigating '' this and that is all the info they have. At this point I have filed a XXXX claim, sent letters to the beuraus, sent letters to USAA and they refuse to fix this fraudulent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted XXXX, and XXXX XXXX/XXXX  on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. XXXX responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by XXXX. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by XXXX. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX XXXX XXXX -- - # XXXX XXXX XXXX  -- - # XXXX XXXX/XXXX XXXX -- - # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX contacted me saying I owed them money on a delivery. I said I paid for an item, and paid the seller for all shipping costs. If he still owed money they should NOT have shipped the item. Whenever I ship  something on XXXX, I pay in advance before they ship. I said it sounded suspect that they are coming back to me for more money, when this has never happened before. 

Regardless eventually I said I would pay the {$36.00} ( because they kept mailing invoices ) and it was a trivial amount, only if I could pay online, and if they could tell me how. I tried countless times and it never worked, I called them 3 times and they said they didn't know how either. 

Eventually it went to debt collection, but there was NO WAY for me to pay, and I said I would not write them a check and mail it as it costs additional money, which I shouldn't even owe in the first place. I then got a notice from Transwold Systems which I am disputing. 

Company : XXXX XXXX XXXX : Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A Credit account or consumer loan account showed up on my credit report from Bank of America. I asked them to look up this account and they showed no record of this account from my social security number. 

I have never had a Bank of America Credit Card nor took out a loan. 

I have contacted XXXX, XXXX and XXXX, answered questions and filled out forms but no resolution. The name on the account i my Ex-Wife. We have been divorced for years prior to this account showing up. 

Please help me remove this as it is having major adverse effects on my credit.

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 2018-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to process a request to block fraudulent charges from credit report despite receiving all supporting documantations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My husband has been having issues trying to work with Transunion to fix his consumer report as it contains incorrect information from XX/XX/2014. 

My husband asked me to review MY OWN personal CONSUMER file with Transunion. After many follow up, I finally received MY report from Transunion and I also see the same error that was in XX/XX/2014 in MY OWN CONSUMER FILE. 

Basically, the housing court case from XX/XX/2014 should have never been entered into the Transunion database for my consumer file because the case had a court stipulation that expunge the housing court cases from the tenant screening company ( including Transunion ). However, Transunion failed to prevent incorrect information of mine to be entered into the database. Also, Transunion does not have a system to screen out incorrect information in its database that is now hurting consumers like myself. 

Transunion also heavily relies on personnel located outside of US who does not have expertise in dealing with the stipulation and how the court case should be expunged.

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 2018-05-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
cra violations inaccurate information sent police report and still on credit report after 30 days

Company response to consumer: Closed with explanation