vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was locked by Chase on Friday, XX/XX/XXXX. I called first thing in the morning and was assured it would be unlocked. The day went by and still had not been unlocked. I called Chase again and was on hold for 3 hours before I was hung up on. By that time the department had closed for the weekend. Now, on Monday, XX/XX/XXXX, I have been on hold for over 2 hours when a 15 minute hold time was given. During this economic situation, a financial institution can not place holds on accounts and not pick up the phone when called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Due to Covid-19 I have lost my income. 

I called Capital One to see if they would help with lowering interest and they said no, they would only allow me to not make the payment this month and I would have to make it for the month of XXXX. 

This is only beneficial to the Credit Card Company, as my 24 % interest will accumulate and come XXXX I will another almost 200 dollars more then before on my account therefore the Credit Card company will charge me even more for the XXXX Payment. 

Everyone is struggling, I need money for food. 
Why aren't these wealthy credit card companies able to put the interest at 0 % or very low to help people in my situation. 

I've been a loyal customer for so many years, never missed a payment.. and in true time of need this company does nothing to help. In fact, it's beneficial for them if I don't make q payment, more money for them the next month with more interest. 

Despicable, I am so disappointed. And I don't know what to do. 
I need to eat, that's number 1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.

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 2020-04-06 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: DISCOVER BANK
State: OH

Complaint narrative:
My Discover account of 11 years was closed for inactivity without my knowledge or warning after sending me an updated card with a new expiration date on it. I called to explain my account has been long term and in good standing and was used less than a year ago. I spoke with XXXX in XXXX, XXXX in XXXX, XXXX, and XXXX and XXXX in XXXX. They all provided me with different reasons for which my account has been closed and none of them offered a solution to playing a part in wrongly negatively affecting my credit score by closing a long standing account with such a prominent availability, not even an apology or empathy for my situation. I wonder if this is legal for them to do to their customers and how closing an account without consumers knowledge serves as a promoted policy. I truly hope this company does not use discrimination to make these decisions. I am disgusted with Discover 'S actions as well as customer service or lack there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late COLLECTIONS XXXX  XXXX {$490.00} not mine

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 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.

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 2020-04-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
When I filed a complaint against this company before, the company responded only to fix one of my concerns. 
I can not pay my mortgage at a branch or online without paying a fee which is stealing money from me. 
The company keeps saying false statements in their letter. I have proof that payments were returned which screwed up the payment process and my payment history. I was threatened with foreclosure even though my payments were current. They were told by their own attorneys that it could not happen. 
I have not been treated with respect as a customer.

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 2020-04-06 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I filed a complaint on XX/XX/XXXX. 
OMB # XXXX Equifax responded and stated that they investigated and XXXX XXXX XXXX  confirmed the DOFD of XX/XX/XXXX is correct. 

Now my XXXX  XXXX account on Equifax has a Date of Last Activity as : XX/XX/XXXX I spoke with a supervisor about this and she confirmed that with Equifax it's a DOLA/DOFD. They are the same thing. 

I told her XXXX  XXXX reported a Date of Last Payment as XXXX XXXX to XXXX  and XXXX. 
She finally admitted that the Date of Last Payment on Equifax is alsoXX/XX/2013 with a DOFD of XX/XX/XXXX. 
I told her federal law states the XXXX is 30 days after last payment, not 60 days. 
I asked why Equifax has XX/XX/XXXX as DOFD and she said, " I can't tell you that. '' I informed her that Equifax was on record with the Consumer Finance Protection Bureau stating the DOFD is XX/XX/XXXX. 
She said there was nothing she could do. 
Someone is trying to keep this account on my credit report longer. This account was illegally re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
For the past year Jp Morgan Chase Bank has been reporting that I have a XXXX charge off on XX/XX/2015 which is inaccurate and untrue. 
When I contacted Jp Morgan Chase Bank and sent them a debt validation letter pursuant to the The Texas Finance Code And The Fair Debt Collection Practices Act they sent back incorrect information, The information they sent me to validate the debt, was an old credit card application and had a date of birth, that was not mine as well as a social security number and an address that did not belong to me. When I contacted Jp Morgan Chase Bank with a current copy of my drivers licence and my social security number proving that this was not me and the information was inaccurate and untrue, Jp Morgan Chase Bank refused to respond. When a data furnisher is aware that the information ON A CREDIT REPORT IS INACCURATE AND UNTRUE, Under The Fair Credit reporting act the information is required to be removed from the consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank bank gave me a forebearnace for XXXX, but they did not help me for XXXX. I do not have income and need a forebearance for 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 2020-04-06 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: MI

Complaint narrative:
My complaint is with Navient. In the month of XX/XX/20 I received a notice of Recertify your payment plan notice that has no money owed, document sent Navient recertify payment plan. The notice state your new monthly amount will take effect when your loans re-enter repayment. 

Navient I need to know student loans owed with original amounts dates, interest accrued and lender name. By law I am entitled to know. 

I do not owe any student loan. 

Also the {$600.00} monthly payment for 12 months amount does not represent any principal amount owed for student loans with dates and interest. The $ XXXX  monthly payment states how much Navient request only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I paid off my card XX/XX/2020 and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.

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 2020-04-06 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: MD

Complaint narrative:
I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
Due to the COVID-19 pandemic I have experienced a significant loss of income. I own a small XXXX family home which I run as a short term XXXX  for the XXXX area. I've lost all my XXXX  for the next XXXX months - at a minimum. I have saved for an emergency but nobody has planned for something like this. 

I called Flagstar Bank - my mortgage services - and asked what I could possibly do to work out a deferment plan. They were adamant that there would be no deferment plans and only a forbearance was possible. I explained to them that I would not be able to make up that lost revenue and they told me in no circumstances would they work out a deferment plan for any of their borrowers. 

I have never missed a mortgage payment in 5 years and I work very hard on my credit score which is  currently at XXXX. I called as a faithful borrower who has done everything right and I was told that it was essentially too bad if I couldn't make a forbearance balloon payment at the end of this then they would proceed with foreclosure.

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Recently I paid off my credit card account with Bank of America but somehow they drafted my XXXX XXXX account twice for {$11000.00} ( my final payment ). 
I noticed a credit for {$11000.00}. on my Bank of America credit card statement. I called customer service around XX/XX/XXXX and requested the statement to be refunded. I was told that the amount would be refunded to my XXXX XXXX checking account within 7-10 business days. 
On XX/XX/XXXX I noticed that the {$11000.00} credit was no longer showing in my Bank of America account but it still was not returned to my XXXX XXXX checking account. 
I opened an inquiry online to find out where the money is. I have called customer service more than 7 times ( waiting on hold for hours ) but Im not getting an answer. Every time I call Im told they will open an inquiry and have an answer in 7-10 business days. This has been going on for 37+ days now with no resolution. I also received a letter from B of A saying that they researched the incident and the money was returned. However I can provide bank statements to show the money was never returned to me. Please help. I really need this money. 

I have called customer service multiple times. I have also emailed their Executives ( XXXX XXXX, XXXX XXXX, And XXXX XXXX with no response.

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 2020-04-06 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: MD

Complaint narrative:
I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX GA XXXX to run an inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XX/XX/20 Upon arriving at Cash America Pawn Shop XXXX XXXX XXXX Ohio, they were unexpectedly closed. On XX/XX/20 I called and inquired about the loans that were due to be forfeited the previous day. I let them know that I had been there to pay them but because they were closed obviously I could not. At that time they informed me that because it was not their decision that they were not going to make any exceptions so either pay XXXX $ or they would keep my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off my card XXXX XXXX and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.

Company response to consumer: Closed with non-monetary relief