vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Was coerced into taking a large private loan over and above tuition costs for " living expenses '' I paid my loan on time for over a decade following graduation and none of my principal debts went down. All of it was applied to interest - all of which is detailed in the current class action lawsuits pending against Navient. 

I called them and asked for a more favorable interest rate or a different plan to help me to manage my bills and was told there were no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: Innovis
State: NY

Complaint narrative:
Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I consolidated my loans through Navient, after being told I could apply for PSLF through them. During several financial hardships during the mid XX/XX/XXXX and again during my divorce during XX/XX/XXXX-XX/XX/XXXX, I was advised by Navient to defer and/or place my loans in forebearance. The original principal was {$55000.00} ( Consolidated XX/XX/XXXX ) and {$7900.00} ( Consolidated XX/XX/XXXX ). In XX/XX/XXXX I was told my Navient that I could not apply for student loan foregiveness thru them. At that time, I consolidated my Navient Loans with XXXX  XXXX XXXX. My total balance is now in excess of {$110000.00}. I will never be able to pay these off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
Our house that was attached to this mortgage had been closed in XX/XX/XXXX and transferred to the new owner. The company has held onto the funds for 1 and a half months and have continuously told me Ive needed to pay to get the loan closed out so it is no longer in my name. Ive paid a total of {$1300.00} out of my own pocket after the funds had been sent for the payoff. The loan is now showing past due and reporting to my credit and as being severely delinquent. The loan is still showing Unapplied funds since XX/XX/XXXX and they reversed a payment of {$1000.00} but havent refunded it or applied it towards the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

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 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened my account with Chase on XX/XX/XXXX. 
My account was in good standing and paid on time. XXXX credit report attached. 

Chase billed me for {$81.00} for the annual account fee. Statement showing due XX/XX/XXXX attached. 
{$81.00} Bill paid on XX/XX/XXXX Chase closed the account on XX/XX/XXXX. XXXX and XXXX statements attached showing $ XXXX balance. 

I called them in what I believe was early XXXX after having received a check from Chase for {$81.00}. They told me to cash the check and fax a written reply to request reopening of the account to their Correspondence Team at XXXX. 

I deposited the {$81.00} check in my checking account as instructed in approximately XX/XX/XXXX. 
Having noticed that my account still showed closed, on XX/XX/XXXX, I requested automatic bill pay in the amount of {$81.00} to Chase. Chase did not accept payment, see XXXX XXXX  payment history attached. 

On XX/XX/XXXX, I faxed the Correspondence Team to request reopening my account and notified them of incoming {$81.00} on XX/XX/XXXX. 

After seeing that the status of my account was still closed after the XX/XX/XXXX request, I forwarded the same XX/XX/XXXX request again through their secure correspondence message system on XX/XX/XXXX. 

They notified me in writing on XX/XX/XXXX through their messaging system that they would not reopen my account. 

Account remains closed effective today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NM

Complaint narrative:
There was a {$750.00} promotion to open a new HSBC Premier checking account if you funded {$100000.00} in new money. 

Prior to XX/XX/2019 I have never had an HSBC account. I opened the checking account in mid XX/XX/2019. After applying for the checking account I applied for a HSBC savings account. Once the checking account was approved I transferred in two amounts of {$1000.00} on XX/XX/XXXX and {$100000.00} ( XX/XX/XXXX ) to complete the requirements. Once the money was transferred into my checking account I then transferred it over to my HSBC savings. I have maintained those balances since those initial dates. Please see the attached screen shots for the transfers. 

The terms of the promotion state : " Deposit a minimum qualifying balance of {$100000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening '' " Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance '' To confirm that the promotion was satisfied I called in on XX/XX/2019. Upon calling in I was informed that my checking account was closed in error. However I was also informed that I was not eligible for the bonus and was not given a reason why. Since the checking account was closed I do not have record to the account number anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My Zales account with XXXX XXXX was on a hardship program for several months and now removed, notice was received today on XXXX, due to a returned payment. The terms of the program allow a certain number of returned payments in a given time frame before account is removed from program. A payment in the amount of XXXX was returned recently, causing removal because the account it was drawn from is now closed. The account has numerous auto payments scheduled in the amount of XXXX for the XXXX of the month drawing from account ending in XXXX, this is my current bank account. The payment in question, XXXX was scheduled using old account without my knowledge and I do not believe it is my error for it being returned and thus, the account should not be removed from hardship program. If XXXX XXXX  will check, the payment shows drawn from a different account number than my current account ending in XXXX, I was not aware payment was scheduled to draw from closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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 — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are 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 non-monetary relief
Consumer complaint received 2019-02-04 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: Nelnet, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
AFTER REVIEWING MY STATEMENTS I FOUND A CHARGE ON MY CHASE FREEDOM CARD THAT I DID NOT APPROVE SO I CALLED MY CHASE CARD AND SPOKE TO A GUY NAMED XXXX WHO TOOK MY CLAIM FOR XXXX XXXX XXXX XXXX FOR {$2000.00} HE LET ME KNOW THTA I WOULD GET A CREDIT WITHIN 72 HOURS I GOT IT ON MONDAY OF LAST WEEK THEN THIS MORNING I NOTICED THAT IT WAS TAKEN AWAY AGAIN! I DID NOT APPROVE THIS CHARGE AND SHOULD NOT HAVE TO PAY FOR IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: NC

Complaint narrative:
I have tried several times to correct this with Equifax, to no avail. There are several incorrect things on my account. 

1. XXXX XXXX XXXX XXXX shows 2 late payments. XX/XX/XXXX - I have never paid this account late. Those late payments need to removed.

2. XXXX XXXX XXXX shows 1 late payment on XX/XX/XXXX- I have never paid this account late. The late payment needs to be removed.

3. XXXX XXXX shows 2 late payments on XX/XX/XXXX - I have never paid this account late. These late payments need to be removed.

4. XXXX XXXX shows 1 late payment on XX/XX/XXXX - I have never paid t his account late. This late payment needs to be removed.

5. A collection account is showing on my credit report from XXXX XXXX , XXXX . This is NOT my account. This needs to be validated with a signed contract from XXXX XXXX , XXXX . This is falsified information and needs to be remove immediately.

Company response to consumer: Closed with explanation