vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 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:
I have attempted to open both a personal checking ( within the last year ) and a business checking account as recently at XX/XX/19 on both occasions the accounts were opened by XXXX XXXX   representatives and on both occasions, the accounts were opened then immediately closed followed by erroneous letters with Chase letterhead that gives you no explanation other than checking with the three reporting credit bureaus. 

In the second attempt like the first the reps are cryptic in their approach and only give yur word and warning that " the account that was opened will be discontinued and closed immediately '' nothing more nothing less. 

It is important to note that I owe nothing to Chase Bank ... an have separate accounts at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that are both in good standing. 

This bank is egregious in its behavior and seem to have some sort of prejudice to certain clients and should never be allowed to take monies and open an account only to close it with absolutely no explanation whatsoever except some erroneous letter that states that they made the choice with no explanation or cause whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts 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 2019-03-12 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 — Problem with personal statement of dispute
Company: GMFS, LLC
State: LA

Complaint narrative:
I am a XXXX XXXX ( XXXX  ) that was affected by the government shutdown from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I  contacted my mortgage company, GMFS servicing loans to inquire about any forbearance options that they may be offering federal employees because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXX  's delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XX/XX/XXXX. So I called GMFS on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted GMFS escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX   XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has refused to close my checking account for almost three months. I opened the account online. I have never been to a TD Bank branch. I called their customer service number to close the account on or around XX/XX/XXXX. I was told the account would be closed. In early XX/XX/XXXX, I received a statement in the mail. The account is still open and has been charged two monthly service fees since XX/XX/XXXX. I called their customer service number again on XX/XX/XXXX. I was told they could not close the account and that I needed to contact my " local branch, '' despite the fact that I have never been to any TD Bank branch. I called the local branch at the number I was provided. The local branch refused to close the account. First, they told me to call the customer service number. Then, they told me to send a letter to a post office box in Maine. Neither the representative at the local branch nor at the customer service number could explain why my account was still open or why they were unable to close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: MN

Complaint narrative:
I am a physician with > {$350000.00} in student loan debt through XXXX  XXXX. They have been challenging to deal with for the last decade, to say the least. 

I found out when logging into my account on XX/XX/XXXX that my loans were put into forbearance without my knowledge. As a result, payments were suspended, interest rates were increased ( to nearly 8 % ). 

I spoke with 3 different individuals with XXXX. The first 2 told me I must have missed a payment ( never have in 10 years, I overpay on them ). When they verified that, they told me they had no idea why I was in forbearance due to delinquency. A higher level individual notified me that in XXXX, when I applied for the Pay as You Earn ( PAYE ) program, I was denied this program, which would have resulted in lower monthly payments ( at a time that I really needed that ), and that denial was an error. They " corrected '' this on my behalf right now. As a result, when switching repayment programs my loans were put into forbearance, with the resultant negative consequences ( higher interest rates, the {$48000.00} of interest now may capitalize on my principal, no one could answer why it was listed as a delinquency forbearance which may impact my credit ). 

All of this was done without my knowledge or consent. Based on a previously denied PAYE application in XXXX. I only found out about the forbearance when Iogged in to my account. 

They are currently " submitting my file for review, '' I can do nothing but hope some of this is corrected. I asked for something in writing regarding all of this, which as of now I have not received. They do not seem to take seriously how egregious this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX  % of each one,  totaling {$530.00}, to settle both balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to payoff my account using the mobile app on XX/XX/XXXX for a total amount of {$9100.00}. The payment was returned. I contacted Capital One and they informed me that my financial institution, XXXX XXXX XXXX XXXX, did not recognized the payment since XXXX XXXX was under my husband 's name. On XX/XX/XXXX, my husband reached out to Capital One and XXXX XXXX and provided permission for the payment to be completed. Again the payment was returned stating that the incorrect account number was provided. I confirmed with XXXX XXXX that the account number was correct. I submitted another payment via the mobile app on XX/XX/XXXX for the amount of {$9900.00}, which is the total payoff amount. That payment was returned because Capital One processed the payment incorrectly. On XX/XX/XXXX, I spoke to a representative over the phone and they reached out XXXX XXXX, at which point the XXXX ( XXXX XXXX representative ) explained step by step how to process the payment. 
I was happy that the payment finally went through. I logged on to see how many reward points I received and that's when I realized that Capital One 's Fraud department closed my account. XXXX XXXX wrote a letter to Capital One explaining the error. Capital One promised to review the case and get back to me within 3 days. It has now been over two months with no follow up. I finally called them back and they stated that their decision to close the account stands. I paid my account in full and they closed my venture card, without allowing me to utilize my rewards. They received a letter from my other financial institution stating that this was an error on both bank 's behalf. I have never been late with a Capital One payment and have always been in good standing. XXXX XXXX has even wrote in the letter that the funds have always been in the account. I would appreciate any assistance in helping me have my Capital One Venture card reopened along with my rewards reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY XXXX XXXX XXXX WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD XXXX XXXX AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX in Florida in XX/XX/2019. XXXX offered no-interest financing ( 0.0 % APR ) for 18 months with no fees. I accepted their offer and financed the furniture based on their representation that there would be no interest or fees for 18 months. The store opened an installment credit account in my name with Synchrony Consumer Financial and charged the furniture to that account. Two months later, I noticed charges on the account for " card security '' and monthly interest charges presumably related to the card security fees. Upon further investigation, I discovered that Synchrony and/or XXXX had, without my permission, registered me for " debt cancellation '' insurance at a cost of 1.6 % of the monthly balance on the account. I did not request or accept the service when I purchased the furniture. The charges simply appeared on my monthly statement. The terms and conditions, which I subsequently discovered, state that all charges will be refunded if the service is cancelled within 90 days. Luckily I noticed the charges and cancelled the service with two weeks to spare, although it remains to be seen if the fees will be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: M&T BANK CORPORATION
State: TN

Complaint narrative:
M & T bank is showing ( 30 ) days late on a payment that was attempted to be made on several occasions. Each time I spoke with a representative from the bank, they told me they were having computer issues and that they were not able to process the payment. The bank does not have an automated system and my wife always asks to speak to a representative to make a payment on the phone. However, during the 3 attempts to make a payment the bank told my wife their systems were down still. The woman representative my wife spoke with told her she didnt know when the system would be working but to have her call back. We finally got through to make a payment, but by the time we were able to get help from the representative, the payment reported late by this time. The woman representative was able to take the payment over the phone and she said she would make a note on the computer that this payment was in fact NOT late and that it would not go on our credit report because it was no fault of ours that the bank does not have an automated payment system and when we finally got to speak to a representative it was several days later. This incorrect reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: VA

Complaint narrative:
NAME : XXXX XXXX XXXX DISPUTING ACCT : XXXX   XXXX XXXX ACCT NUMBER XXXX SSN : XXXX I sent a dispute letter to EQUIFAX on XX/XX/2018, disputing fraud credit card account on my credit report. I have also filed an identity theft report with the FTC and sent the copy to the EQUIFAX as well. 
After few months, EQUIFAX deleted that fraud account off of my credit report. But after few months later, they have re-posted that fraud account back on to my credit report. 
My understanding is that, the bureau must notify me by mail stating the reason why they are re-posting that account on my credit report before they do, they did not notify me at all. Also other credit bureaus ( XXXX, XXXX XXXX ) deleted that account off of my credit report and never put it back again, but EQUIFAX is continuing to report this fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial is on my credit report in the amount of {$1000.00} for what looks like a medical debt but not sure where its coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: GA

Complaint narrative:
I have sent letter after letter requesting that Experian Investigates a charge off account for XXXX XXXX XXXX and XXXX XXXX XXXX charge off account only response Experian is saying these items have been verified in return I ask them how are they verifying the account Experian hasn't been able to provide me any info on that. All of my letters stated that I was requesting this info and did not consent to e oscar verification.

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 2019-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
All accounts are paid in full but they do not update their system and it's been 30 days and it still shows on my credit report as open account with a balance. Every time I call in they do not know why and no one can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/XXXX, I processed a payment to be applied to reduce the principle amount to help payoff the XXXX XXXX loan. I submitted the payment incorrectly within the online website and called the company to help allocate the funds to the correct fields. I was told that they are not able to do that and all of the money paid will go to interest. I stated that that is unfair practice to take additional payments and place them to interest. When I am a good customer who is already paying the monthly fees and interest. All of the funds I pay extra should go to the principle. I committed to paying XXXX XXXX XXXX but as I was entering the funds I typed in {$150.00} dollars in error so I went in to pay the other {$50.00}. They called my and said they still would not apply the {$150.00} to the balance to help me pay the account down. I don't think this is far as I tried to call them within 10 minutes of making the payment and they still will not move the funds to reduce the balance. They did not tell me to hold off on paying the total amount of {$200.00}. They refused to fix the money and say they are keeping the money for interest leaving me with the same balance and on the XXXX they will take the same interest as if I pay nothing. XXXX XXXX, https : XXXX # x. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. This is a unfair practice. This company wants me to continue to be in debt and it will take forever to pay them off if they keep continue to limit my option. I called them right away to help and they said their system was not able to fix the issue. It is not fair to have application where you can not correct the payment within the same day/hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief