vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom it May Concern, I have been a customer with JPMORGAN CHASE since XX/XX/2007 and have always paid on time. As of now without any valid reason they have closed 2 of my credit card accounts which has made my credit score go down significantly. Plus the fact that I have all my cards on autopay and am a very good paying client with a yearly income of {$120000.00}. I feel that I have been treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I had automatic debit for my loan, yet I was charged monthly late fees. I also applied for loan forgiveness, and was told I would receive administrative forbearance ; however, the payments continued. It got worse, Navient deducted {$220.00} on XX/XX/19 and again on XX/XX/19, which hurtled me into a financial landslide. Finally, the discontinued autopsy, after I demanded it. I demanded they return my extra payment, and they to me it would have to be approved, which would take 2 weeks. Meanwhile, my stress level has increased, and I do not know how to stop their trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2019, Equifax sent me a letter stating : " We have received your request concerning inaccurate information on your Equifax credit file. 

A preliminary review of your Equifax credit file indicates that the Social Security Administration ( SSA ) has associated your Social Security number with a person reported as deceased. It is important that you contact the SSA to protect your current and future benefits eligibility. '' I called the number listed on the letter and spoke to a customer service representative. I first verified that my social security number was listed correctly on my credit file. After being placed on hold several times, the customer service representative could not answer any questions regarding this letter I received. They stated that there were no " deceased '' remarks on the credit file. I asked if they could see the letter they sent me. They had no access to this information. I asked to speak to a manager and without asking or putting me on hold. The customer services representative told me there were no managers available. I am clearly not deceased and wanted to know why I received this letter. The CS rep would not answer this question and had no information about it. 

I received this letter in response to a dispute letter I sent. I feel that this letter was a stall tactic used by the credit bureaus to prevent me from disputing the information on my account. I asked them to verify that the bankruptcy listed on my credit report was correct. I received a letter stating that it was " verified as accurate '', I then asked them to provide the method of verification used to verify the public record. They responded back that it was " verified as accurate ''. I then sent them another letter asking to remove the item off my credit report and I received the above-refrenced letter. This was sent to me as a stall tactic to prevent me from disputing incorrect and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and TXXXX are reporting incorrectly ( 60 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had refinanced my home and paid off my mortgage with PNC mortgage on XX/XX/2019. I was unable to stop my bill pay, although I had forgotten to do that then. On XX/XX/2019 an automatic payment was sent to them in amount of {$700.00}. 
I called them to make them aware of the error. I was to.d that they did get the check, but that they had to hold it for 6 days. Why, I asked? It isnt yours to hold, and I dont owe you anything. I was told it was to make sure I had the funds to cover the check?. What? You plan to cash my check? I requested that they simply return the {$700.00} to my PNC checking account. There should be no waiting as the sending and receiving bank was the same bank! Just verify and return ... .click, click, done. For me a 10 day wait is detrimental. I am on a fixed income and this just screwed up my budget royally. 
I tried several times to stop payment but screen went gray n locked as soon as I hit thr stop auto pay button. So I just deleted them from my list of bills. 
Why did they need to keep my funds when they were drawn on their bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: OH

Complaint narrative:
Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.

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 2019-09-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed 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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Reliance Holdings LLC
State: SC

Complaint narrative:
My paycheck is automatically deposited on the XXXX at XXXX. Had been for years. The bank purposely ran debits at XXXX, overdrawing my account, hit me with multiple OD fees, THEN deposited my paycheck. 
When discussed with the manager, she said I dont care so I closed the account. 
Do not bank with First Reliance!! 
Regardless, This needs to be deleted from my credit reports because it is from XX/XX/2010!!!! Nine years ago! And is a violation of the FCRA. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent in my ftc report I have sent in I have five disputes and Equifax will tell me that results are completed and that the information has been DELETED!! I have still ever time checked and the information that is NOT MINE AND PROOF HAS BEEN GIVING THAT IT IS NOT MINE IS STILL SHOWING ON MY CREDIT REPORT AND I AM NOT HAPPY ABOUT THIS COMPANY WHOM KEEP VIOLATING MY RIGHTS I WANT THESE FALSE ADDRESSES DELETED NOW XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only address that is min is the one on my eleteric bill I just summited as proof on this form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello, I have made several attempts to just get an explanation of each student loan I have with Navient. 
Each time I call, I do not get answers. I have 17 student loans which I have paid over {$44000.00} already. 
Loan 1 I owe {$3500.00} 2-Paid Off {$2800.00} 3-I owe {$2000.00} 4- Paid Off {$1200.00} 5- {$3100.00} I owe 6-Paid Off {$2300.00} 7-Paid off {$1900.00} 8- I owe {$3500.00} 9- I paid off {$2000.00} 10- I owe {$5500.00} 11-Paid Off {$320.00} 12-Paid Off {$120.00} 13-Paid Off XXXX 14- Paid Off {$1700.00} 15-Paid Off {$8400.00} 16-Paid Off but they have no info 17-I owe {$8000.00} I have paid in total just under {$45000.00}. If you add up what I have paid from above, this does not add up to that amount. I keep simply asking where is the rest of my money? Where has it gone to since the above adds up to only about {$23000.00}. And they are saying I still owe over {$25000.00} more. 
Each time I call they can not explain it to me and keep telling me someone will call me back. This has been going on since XX/XX/2019. 
I have all the proof of what has been paid and I just want more answers. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: VA

Complaint narrative:
I sent the following email to " XXXX '' regarding their card I received. I called their customer service XXXX and could find no way to speak with a person without activating the card, which I did not do. Note the brochure comment about charging me for inactivity, which is exactly what I plan to do, no activity because I do not want their card. 
My name is XXXX. On Friday ( on the email I mistakenly stated Saturday ), XX/XX/2019, I received a Netspend " charge card '' ready for activation, etc. 
I request that you cancel this card immediately. I neither solicited this card, nor do I want this card for any use. 
In your brochure accompanying the card, you state that if I do not register and activate the card, you will begin assessing an inactivity fee. 
I will not activate this unsolicited card nor do I expect any charge for that. 
After I send this email, I will proceed to forward this information to all agencies interested in consumer harassment and abuse.

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 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: TX

Complaint narrative:
This company is reporting a delinquent balance of {$190.00} every month for a secured account that was opened with {$300.00} of my own funds. Every month, I get a monthly statement for the account with a {$0.00} minimum payment due and a credit of {$1.00}, of which I will attach the bill. I have tried to contact the company to resolve this, as I am a XXXX XXXX Veteran and live on a limited income. I contacted the company initially when I became XXXX through service. I am given the run around with no resolution to this debt, only the company reporting negative information month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Applied for a cellphone service through XXXX XXXX. All approved, phone ordered. Went to store to buy the phone, setup the account etc. but received awful service and rude salespeople. Decided in the shop NOT to continue with the service setup and told them I no longer wanted the phone or service. Never received or even touched the phone, never activated or started service with XXXX. Decided to go with a different company. 

Received a collection bill from XXXX in the mail. Called them 3 times to try sort out, every-time going through the whole same explanation and EACH TIME they can see no service was even started, they apologize and promise they would fix it. 

Then I got a credit alert from Experian that there was now a delinquent account on my perfect credit report and my credit score has dropped substantially. Immediately looked into this, saw it was from XXXX and submitted a dispute online through Experian. 

Once AGAIN called XXXX XXXX to sort this out and once again I had to explain the whole situation, once again got an apology from XXXX and promise to sort it out and contact the credit bureaus to remove the negative report. 

I then get a result of the dispute from Experian to say " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So basically this INCORRECT information is still on and affecting my credit report. XXXX has admitted their mistake to me every time I called them but this is still not resolved on 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: NY

Complaint narrative:
MoneyLion told the CFPB on XX/XX/XXXX that they would issue the bonus amount of {$400.00} within 7-10 business days. As of today, XX/XX/XXXX, they have not paid the bonus. They lied to the CFPB complaint # XXXX stating they would pay this bonus within 7-10 business days ( they should've paid no later than XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.

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 2019-09-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, Equifax and other credit reports in which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting ( 4 ) duplicate entries on the XXXX XXXX XXXX - account number XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 4, 5, 6, and 7 of the attached credit report. ) These multiple entries are for the same amount of {$100.00} ; reporting the same start date and the same reporting date. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items, however I have not been successful.

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 2019-09-06 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX on my closing statement I was charged 1.75 % = {$7800.00} for UFMIP. 
I refinanced this year and closed XX/XX/XXXX and the new cost of UFMIP was 1.75 % = {$7700.00} On my closing statement I DID NOT RECEIVE a UFMIP refund credit. 
In order for me to close the loan they stated I needed {$4100.00} cash to close. 
Since I did not have the cash I asked is there any LENDER credits they can provide to help offset the cost. 
TIAA said that they could change my rate from 3.5 % to 3.75 % so that I could get a LENDER CREDIT ( separate from a UFMIP refund credit ) to help with closing costs, since I could not roll the fees into the loan. 
When I asked the loan originator about the HUD refund for MIP, since I refinanced FHA to FHA, they stated that refunds are done after the fact and that no REFUND credit will show on my closing statement, and that the HUD will refund me my credit. 
I called HUD and they stated that I have an overage and that a credit will be applied to the lender. 
The lender maliciously did not apply the UFMIP credit so that I would have to increase my rate from 3.5 % to 3.75 %. Had they applied the credit, I would have not needed to come up with funds or increase my interest rate.

Company response to consumer: Closed with explanation