vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
- I've been a customer with Chase for over 6Y, & I have been VERY satisfied with their service, I have a checking, Saving & two credit cards with them. 
- This XXXX. I finally started my own business ( XXXX XXXX XXXX ). 
- On XXXX XXXX, I went to " My Bank '' Chase to open a business account, the banker " XXXX XXXX '' was really very helpful, she opened me a business account & a credit card for business. 
- I got an email confirmation about everything & that it is all OK, so, I used the bank account to make 2 payments related to the business, one to XXXX County, & one to XXXX XXXX. 
- on XXXX XXXX, I tried to login to my bank account online, I discovered that my login is suspended! - I was never notified the account was restricted formally until more than a week after-. 
- I went to the nearest branch, the banker told me they restricted your account & they didn't mention why! The banker told me " They didn't mention any reason ''. She gave me a phone number " maybe '' they would know why! 
- I called, the rep advised that they failed to verify my identity! ( I already have 4 accounts with chase & have been dealing with them for over 6 years )! He asked me to take my social security card, DL & go to a Chase banker to verify my identity! 
- I took them & went to the same banker opened the account, she wondered & told me " I just copied your info from your other accounts '' ( they all linked ), she scanned both of them ( SS card & DL ), and uploaded them, but also couldn't solve the issue, & didn't know why or what was the reason! After talking to her manager ( who also didn't know why they closed the account! ) they ended up that I might have an identity theft, which scared me ( I'm planning to buy a house ). They printed me the contact info of the 3 credit bureaus & advised me to check with the Social Security Admin. ASAP. 
- After wasting 3 hrs with the SS Admin. & get my Credit report, I found everything is perfect & I don't have any problem. 
- I want to know why they restricted my account, WITHOUT ANY REASON! & put me in this situation with my creditors?! If there is a problem ( and there is not ), why they didn't just put things on hold till they confirm anything - again, I wasn't just walking by & decided to open an account, I've been dealing with Chase for over 6 years ). Is it discrimination or not to pay {$300.00} new acc bonus!!!! They wasted my time ( a LOT of time ), scared the XXXX out of me ( Identity theft issue ) & might affect my credit so bad ( XXXX XXXX ) - I was NEVER late on a payment my whole life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: VA

Complaint narrative:
I received my credit report from Equifax, datedXX/XX/XXXX. I then contacted Equifax to ask questions regarding my account history. I asked if It would be beneficial to have the 5 accounts listed ( closed by me and always paid as agreed ) removed since the credit report states accounts paid on time should not be reflected on the credit report. I was told to file a dispute and have them removed by the representative. Dispute was filed XX/XX/XXXX. I recently checked my credit scores and Equifax decreased my score by 3 points because my account history was removed! I called Edquifax again today and asked the representative to put my credit history back on my credit report and if we had to file another dispute to do that, then I want to do that. After an hour on the phone with a representative that did not speak English very clearly and who obviously did not understand my simple request of putting my credit history back on my credit report, I gave up! This is not a difficult request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
I am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I never open this XXXX CHASE JPMORGAN CHASE BANK Card. It says I opened it on XX/XX/2012 but I never did. I disputed it but it still showing in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Residential Mortgage Services Holdings, Inc.
State: MD

Complaint narrative:
I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is 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 2018-03-05 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: AES/PHEAA
State: CA

Complaint narrative:
Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: KY

Complaint narrative:
I had returned a call from a robo dialer that I received on my cell phone ( in which is a absolute no no for collection agencies to call a cell phone from ). The lady on the other line did not ask if I was the right party only if I received the call at that number, she then proceeded to tell me of a debt that was owed for a apartment complex without proper verification. She did not give the Mini Miranda as required by the FDCPA either. This company has violated laws in accordance with the FDCPA, State and Federal laws First : Calling my cell phone from a Robo Dialer Second : third party disclosure Third : No mini Miranda was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: FL

Complaint narrative:
Both XXXX  and Equifax refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

Equifax continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work XXXX   refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner. 

I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The TD BANK is abusing in collecting XXXX $ overdraft fees even my account is not enrolled in such service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed 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 explanation
Consumer complaint received 2018-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Contacted the credit department at Bank of America. The representative preformed a search for the referenced account using my social security number which I provided. No information was found. They then transferred me to another department, both departments then concluded I am not a customer. 

My credit report shows two opened, revolving accounts with BOA which I did not open.

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 2018-03-05 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX keep saying they are reporting correct information about my XXXX account, ending XXXX. XXXX is NOT reporting correct information. My XXXX report has my account status and payment status as, collection charge off. I do understand that was the case then, but that is NOT the case now. This collection has been PAID in full. Also each month since the charge off has been paid in full, they are still porting payment status as Collection. Im trying to be professional about this and not use foul language, but this is XXXX me the XXXX OFF that thy can not update the current account status and payment status. I know what section 609 states and I know if sates they much report accurate information, but in this case they are state because my payment status each month still reports as a collections, which is not in collections any more since it was paid in full in XXXX. They account status should reflect PAID COLLECTIONS, no where on my report does it reflect it account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I obtained a loan through Synchrony bank to purchase a XXXX indoor bike. XXXX has since then cut ties with XXXX, but shows account as closed with open balance on my credit report. This represents a hit to my personal credit history which is currently recovering from a recent bankruptcy. Neither XXXX nor synchrony seems to take into account the damage this may cause to customers. Its unfair!

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this immediately!

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a Credit Card with Capital One for over to years and have NEVER made a late payment. A few months about i decided to open up a 360 Checking account with Capital One on line. They sent me a Debit card and i began using the product. On or about XX/XX/2018, I received a text message from Capital one stating that my funds are not available for withdraw and to please contact Capital one. They stated that they are conducting an investigation on my account and for me to call them back the next day. Capital One ' illegal failure to properly investigate an alleged fraud and Capital One 's illegal behavior in WRONGFULLY CLOSING MY ACCOUNT, UNDER THE pretext of a " business decision to close '' This behavior violated various regulations and laws, including the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45 which prohibits " unfair or deceptive acts or  practices in or affecting commerce. As of today, they are stiling holding my funds ( {$2200.00} ) and gave me no reason for closing my acount. This illegal act caused my XXXX XXXX XXXX to be late, droping my credit score from XXXX XXXX. Why are they stiling HOLDING MY FUNDS. WHY DID THEY CLOSE MY ACCOUNT WITHOUT ANY NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion

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