vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2019, I spoke with the branch manager, XXXX, at The Citizens Bank, XXXX XXXX, XXXX branch regarding the source to pay any overdrafts on my account. While I did have a line of credit attached to the checking account, I made several requests to change the source of overdraft payments to my savings account, and the branch manager, XXXX, acknowledged the request, and confirmed it was done. Apparently it was not done, about a week later, still in XX/XX/2019, an overdraft was funded by the line of credit instead of the savings account, and then reported to the credit bureau that I went over the account limit. I requested the negative reporting be removed, but the bank said the report was correct. They made an error at my expense. 
In XXXX I spoke with XXXX, a senior customer service rep, ( XXXX ), who " escalated '' the case to XXXX, ( XXXX ) XXXX, of the " chairman 's office ''. It has been almost a month, and they have yet to resolve, or even give me a response, despite repeated calls to " XXXX ''. This was a bank error, and the report was untrue, and should be removed, as it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Deposited a check from XXXX into my Bank of America account via teller in the bank on XXXX XXXX   19. I was told by the teller that the money would be available at XXXX  XXXX on XXXX XXXX  19. On XXXX XXXX   19 my account stated that there was a hold on the total amount until XXXX XXXX  19. I have called twice and  obtained several different reasons why there was a hold, from there being a middleman that they work with that hasn't processed the check and they couldn't get in contact with ; to, the federal reserve was verifying the check and they hold on to it for 7 business 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 explanation
Consumer complaint received 2019-07-08 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.

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 2019-07-08 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.

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 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
I was called today by man that said he was with this bank and it was a scam. He asked for my mobile banking information like username and password. This man needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
We filed for assistance during hurricane Irma XX/XX/XXXX through our mortgage company Home Point Financial. We were granted a forbearance period and a loan modification with a lower payments. Our payments start XX/XX/XXXX to be paid {$990.00}. During this time the company then had a servicer change delaying the process and basically making it impossible to communicate with the correct person. We continue to call and leave voice mail messages for XXXX XXXX which was supposed to be assigned to our case. We never received any call back and he eventually no longer was employed for the company. During this time and currently my credit was and is being reported negatively as not being paid as agreed. We were and are continuing to make the agreed upon payments by phone and attempting to communicate with the mortgage company, but seem to be getting different information and no written information in the mail regarding our loan and current/correct payments. Our contract that we signed only states the {$990.00}. 
Today, XX/XX/XXXX we are being told that we have not been paying the correct amount which has never been disclosed to us as we call and pay it monthly. We call at least once a month to find the status of our modification only to be told that we will receive a call back never to receive a call back. We are being told we have to pay a balance of over {$1700.00} to make our account current. It has been disclosed to us that there are thousands of consumer affected. We are being told our new payment is higher than our previous mortgage payment we requested assistance in paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My bank which is a federal credit union, at first did not know of these convenience checks. The convenience check had a 0 interest. I used it and have been using for approximately 4 years now my credit card is ballooned with high interest. I also see as I told the Credit Union that I did not want insurance on the card because I am XXXX, but there was included in the monthly bill. I see also there are two interest rates totaling {$98.00} monthly charge. The convenience check was very deceiving because I thought there were no interest no where did I see an interest. This originated approximately 4 years ago and I was using these convenience checks one each month as it was sent to me on a monthly bases. I really would not have started using these convenience checks if I knew they would turn out with such high interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NY

Complaint narrative:
Hello This complaint is against the three credit reporting companies. Experian, XXXX XXXX and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from Experian and XXXX was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote Experian and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only Experian wrote back a letter dated XXXX stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XX/XX/2019to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because Experian, XXXX  and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.

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 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have an account on my credit that does not belong to me called CREDIT COLLECTION SERVICE. I have asked for a signed documentation bearing my signature and I have gotten no response.I have disputed this account with all 3 credit bureaus. I get the same pre-made letter that this account MEETS FCRA REQUIREMENTS. I have attempted to resolve this matter to remove this erroneous account and no one seems to have investigated nor validated this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct 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 non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a {$3500.00} check from my client via my mobile on XX/XX/19, which was returned for some reason. I contacted my client and he asked me to deposit it again. I called Chase and they told me to re-deposit the check. I tried to do it via mobile again, but the application instructed me to do it through ATM or Chase bank. I followed the instruction and re-deposited the check at ATM on XX/XX/19. Soon after I noticed that the deposit was put on hold. I called Chase and their rep told me that the bank was verifying availability of funds, and the amount would be available in a few days. I left for vacation and did not have any further communication with Chase regarding this matter. On XX/XX/XXXX I opened my mail ; there was a letter from Chase stating that they removed {$3500.00} deposit as a duplicate. I immediately called the bank and tried to get an explanation. I emailed a complaint, after which on XX/XX/XXXX I received a call from representative XXXX. According to him I 'was not supposed to re-deposit the original check '. I was supposed to wait for an 'official check ' from Chase. I asked why nobody had mentioned that before, as I've spoken with several reps regarding this matter, he could only apologize. To my question 'where was the official check ', he could not find any explanation other than it was probably lost in the mail. He could 'reissue ' the check but it would take 5-7 business days as there was no way to expedite it. I have decided to file this complaint as the information provided by Chase representatives is inconsistent and lacking clear communication. I have attached the most recent letter from Chase which does not mention any 'official check ' that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: United Accounts, Inc.
State: ND

Complaint narrative:
I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
In XXXX, I paid a medical bill to XXXX XXXX for XXXX. Several months later, I received a debt collection letter from Central States Recovery attempting to collect XXXX for a debt that was not paid to XXXX XXXX. 

The transaction date was XX/XX/XXXX. The posting date was XX/XX/XXXX. I spoke with XXXX XXXX and they said that, yes, I paid it. 

For 10 months, I tried to get Central States Recovery to remove this debt. It has negatively affected my credit score. 

Finally, Central States Recovery told me that they contacted XXXX XXXX and were told that it had been paid months ago and should never have been sent to them. 

My credit was just run again ( XX/XX/XXXX ), and it shows that I paid the debt. But it has not been removed from my credit report. So my credit score still has not recovered and is still negatively affecting my family. 

I am going in circles with this company. I have spoken with XXXX or XXXX at least 10 times. They keep telling me that they can't do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: NJ

Complaint narrative:
I contacted Coast Professional ( as indicated on my Student Loan Account ) in attempts to start repayment on my student loans. Of course I had so many questions and it seems the rep was frustrated. They wanted me to send them a photo of a note pad, that I'd taken with my phone, authorizing them to charge my account every month but when I included the dollar amount, they wanted me to delete that " detail ''. They'd asked me to send it stating that they could just withdraw the money each month. So basically I am writing a letter, telling them they can post date a payment ( with no set dollar amount ) AND they wouldn't send me anything in writing. 

I have read the reviews online and they aren't good. When I told him I wasn't sending him letter indicating that they could charge my account nor giving them my bank info the phone magically hung up.

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : Chase Bank This matter with Chase Bank has been a terrible fiasco. 

When I deposited a $ XXXX XXXX  XXXX XXXX check from a friend who lives overseas, at Chase Bank ( in XX/XX/2019 ), they put a 7-day hold on its availability. Before the end of this availability waiting period, though, they sent me a letter that my account has been suspended because I hadnt given them information they requested. I hadnt received any request from Chase. 

I immediately went to the branch to talk with a customer service person directly. That person called the back office, and they told her my account was flagged for potential fraud. She said they have been trying to contact the person who sent me the check to verify that he gave me the check or whether I had faked it. 

I asked her how was Chase trying to contact him? Her response was nebulous. She then said they wanted to speak with him in person at a Chase branch. I told her that he lives in XXXX and that he is also traveling. 

I offered to call him and put Chase on a conference with him if I could reach him. They declined that. They said they want to see him directly at a Chase branch. ( He lives overseas and rarely comes to the United States, except on business matters. ) Alternatively, they recommended that XXXX put a stop payment on the check. 

Last week, I learned that they had cancelled my account because they hadn't received any response yet from XXXX XXXX XXXX. 

I immediately went to my Chase branch. That person said that there could be many reasons why they might suspect the check was fraudulent. 

I asked him where was the money? He said that it was being held back at Chase in suspension. I asked him how long it would take to release the $ XXXX back to my friend? He called the back office, and they told him they are holding it indefinitely. '' I told this customer service agent that, in essence, Chase has " stolen '' my friend 's money. Theyve taken it out of his XXXX XXXX XXXX account, and they arent returning it to him. They aren't giving it to me. Theyre using his money to continue making money on it. This agent told me that, at some point, they'll send me a check for the $ XXXX and then I can refund it to my friend. Still, theres no timeframe for them to do this. 

XXXX XXXX XXXX said it was too late to do a stop payment on the check, and the customer service agent at XXXX XXXX XXXX didn't want to talk with the customer service agent at Chase.

Can you help me get this money from Chase that they have stolen from my friend who sent me the check?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I have returned the leased vehicle in the month of XXXX and attempted to pay dues and any other dues I am responsible. I was told by the dealer that GM finance will contact me but I never get contacted by GM or did not received any final statement to pay my dues. 

I even called three weeks back and requested to send the statement and it was not sent. when I realized that I did not received the statement, about a week back, I requested the GM Finance to post it online in my online account with them or send email to the email addressed that was linked to my online account or text me the dues. But GM Finance told me that they only mail it to my physical address or fax it to me. 

I was advised to wait couple more days. I called again to tell GM Finance that I did not received the statement, they told me that they initiated another request but I requested to connect me to a supervisor but I was told that the supervisor was not available. I requested a call back form the supervisor to explain the situation. But I did not get any call back. 

My intention was clear that I wanted to pay my dues as soon as I see an official statement and working with GM Finance for the last 4 weeks but they reported to Credit Bureau that my payment was late which I think is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I applied for an XXXX account last week. I was denied so I wanted to know why I was denied. I called XXXX XXXX customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. I have also reached out to the FTC and my local police department and I am doing this on my own behalf. 
There are still items on my credit report that are not mine and need to be deleted from my report. 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