vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a check from a sugar daddy for XXXX dollars around that amount. And the check wasnt fraudulent cause it cleared and my chase bank made the funds available. Not even a week or 2 went by and XXXX was missing from my account through their quick pay service which I didnt approve or have knowledge of until I had logged onto my mobile banking app for chase which means my account was compromised I called them as soon as it had been brought to my attention put a claim in and waited a few days to check on my claim XX/XX/2019 I called and they told me my account was restricted and they were cutting ties with me but Id receive my temporary credit XX/XX/XXXX which I was okay with. XX/XX/2019 I receive another notification from my online banking which Im not allowed into stating my account was overdrawn for {$1400.00} which shouldnt be possible if my account was restricted meaning my account is still being compromised till this day and now Im being told my {$350.00} wont be given to me and my account will overdrawn and - {$1400.00} which is unethical I want my account back to its {$00.00} standing and my XXXX refunded to me. Also cant attach documents cause they wont let me in mobile account which is still being compromised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
In XX/XX/1996 we got a mortgage for {$75000.00} for a new home. It has been 22 years with an average monthly payment of $ XXXX+- and the mortgage has been sold from company to company 5 different times. We are now in a financial crisis and asked for a payoff statement. This statement is more than the outstanding principal and is still over {$70000.00}. We've been paying over 20 years and did have some difficult times but home can more than 90 % of the loan still be due. I'm sorry that we were young and maybe a bit nave 22 years ago but we have definitely been toyed with by these mortgage companies. How can we resolve this? ( 22 years with avg. {$400.00} payment is $ XXXX how can they do this to us?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: MI

Complaint narrative:
I continue to send Experian an dispute letter showing clearly that they are in violation of the FCRA in reporting inaccurate and incomplete and unverified information in my credit file. They employ stall tatics to prolong the process. I just received a postcard stating they were unable to verify my identity. As always I sent a copy of my driver 's license and social security card and they said that was not sufficient but on their website and on their credit report it clearly says that a driver 's license verifies your residence and social security card verifies my identity. They continue to say that all the disputed accounts are verified without doing a proper verification as required by law. They can't just keep reporting inaccurate and unverified information on my report without doing what they are supposed to do which is verifying that this information is 100 % accurate. This is frustrating and causing me alot of stress and grief. It's also causing me to be denied for credit that I am rightfully due. They are violating my consumer rights with their actions. I have requested a method of verification and the best they can do is say they can't verify my identity. They know who I am cause I have sent them the same information with every dispute. A copy of my driver 's license and social security card.

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 2019-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC
State: FL

Complaint narrative:
I have a truck loan with Coastal Credit. 
They will not allow me to make my payments online. 
They stated in a reply on my last complaint that it is an option but when I try to pay online I am locked out. They will not resolve this issue no matter how many times I call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I posted via XXXX that I was interested in purchasing XXXX XXXX tickets for a show in XXXX, XXXX On XX/XX/19 I was contacted by a seller that had tickets. We bartered and came to an agreement for {$120.00} per ticket or {$250.00} total on XX/XX/19. The seller sent pictures of his XXXX account and the 2 tickets he was claiming to sell. He claimed he could send them immediately. The seller wanted to use the app Zelle. He claimed it was safer because it was backed by the big banks. As a consumer I thought this would be one of the safer applications for XXXX payment. I paid the seller for the tickets but the seller never sent the tickets. I have tried multiple times to contact the seller since the initial transaction. The payment was still pending the next XXXX and I immediately contacted my bank, XXXX XXXX XXXX XXXX, to cancel the transaction. They said they couldn't cancel the transaction but that we could dispute the charge. I went ahead and started that process. I contacted Zelle and they said that the app is designed only to pay friends and family and not intended for the sort of transaction I completed. The best they could do was to blackflag the other user. To my knowledge they did this. About a week later my bank sent me the decision that, they could not dispute my charge because it was authorized by me and in Zelle 's terms and conditions the app should only be used to pay friends and family and financial institutions are not responsible. My bank admits I was victim of a scam but claim there is nothing that can be done. I find this policy to be a cop-out for both banks and Zelle. I have researched and seen that when a users Zelle account is used fraudulently, they can reverse those payments. This means that they have the technical ability to reverse this payment. I also feel that my bank should have the resources to figure out which financial institution my payment went to, and can contact them to recoup the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
date 3 plus hours on phone with 7 people from capital one credit car on saturday of XXXX XXXX weekend trying to pay on my huge XXXX dollor bill at capital one XXXX was very helpfull and tried but still get a monthly bill and added late charges They Capital one would not take my payment via debt card said I had to payonline I cant I put in my name it asks for password I dont remember my password its been years since I used my password they said send us a copy front and back of your driver lic How do i do that I have cell phone and lap top told them turn me over to a collection co. they will take my payment from my debt card put me over to 7th person she said go to a store do a XXXX XXXX thing so now she asking me to take XXXX dollor cab ride to send her XXXX and another XXXX cab ride home as I dont drive Health issues she said and laughed she said well what do you want me to do about it this is your problem my social XXXX XXXX XXXX doesnt matter if you have it capital one has allready ruined my credit score thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is in reference to the advertisement provided by Chase in the mail to XXXX that will provide {$300.00} to open a checking account with direct deposit. In the previous complaint filed, Chase submitted a copy of a XXXX advertisement that provides {$600.00} as a a bonus in opening a checking account and restricted having a joint account to receive the bonus. 

I am referring to the XXXX advertisement and the XXXX advertisement that Chase provided. Chase could not produce the XXXX advertisement that involved the bonus of {$300.00} with the only restriction that a direct deposit be linked to the account, which is what I opened at the XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-29 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:
I have an inaccurate 30 day late on my credit report which is up to date and payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 — Was not notified of investigation status or results
Company: GREAT LAKES
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found a 90-day late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Neither XXXX nor TransUnion are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about 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 non-monetary relief
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
I sent in a dispute along with a police report in XXXX to EquiFax that said the account they have listed for me was fraud. The account is XXXX XXXX # XXXX. This account is fraud and it should not be on my credit report. I sent in a 2nd police report in XXXX, it also came back verified. The same thing happened on XX/XX/XXXX I sent it a police report along with proper disputes thats said the XXXX XXXX Account is fraud. They verified it to be accurate. So I sent one with XXXX XXXX name and account number listed on the report in a XXXX attached the proper disputes and they verified it again as accurate. Meanwhile both XXXX and XXXX has removed the fraud account its been removed from their file as of XX/XX/2019. EquiFax keeps coming back saying its verified and Im wondering how is this possible if the account was fraud? Please help me, they are saying even with the police report I can not get the fraudulent account removed because XXXX XXXX keeps verifying the account. I thought they had to investigate beyond what XXXX XXXX is saying? This is not my account and I dont want to be responsible for paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Neither Equifax nor XXXX are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am still having issues with syncb I XXXX XXXX never applied for a credit card or care credit with this company. iam asking for a letter to delete the info from my XXXX report. I NEVER applied for this and have no knowledge. please send me proof that this is legit. I need a letter from syncb that states that I never made a credit inquiry XX/XX/2019. When I call they say they have no info. if you have no info then why is it being reported to XXXX? I need this resolved, please. I never applied for a credit card or anything. I need a letter from syncb to send to delete it from a credit report. iam asking for a letter and not getting anywhere. this is fraudulent

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 2019-10-29 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: CA

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: CA

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had a SunTrust account. However after my account was fraudulently used, I filed a claim. The claim was then denied from SunTrust so I filed a rebuttal. The rebuttal was also denied. My account at that time was then negative {$1000.00}. Eventually I received a letter from SunTrust telling me my account had been closed due to insufficient funds. 

All the while, I still had no received my income tax return. After believing my account was closed and following up with the IRS it turns out that my income tax check was in fact deposited into my closed account. SunTrust told me there was nothing they can do but I now only owe them about {$400.00}. I am so beyond upset and I would like a resolution. Seeing that the initial issue wasn't my fault in the first place.

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 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Called XXXX XXXX XXXX XXXX. Received a letter telling me IDR forms were due by XX/XX/XXXX or payment in XX/XX/XXXX would increased. Called XX/XX/XXXX person on other line stated everything was fine for my student loan I even asked about the online form and they said everything was up to date. Checked XX/XX/XXXX I have a bill for XXXX because an application form was not submitted. When calling them lady on other line said she did not want to argue with me and what would you like to do? I asked for her supervisor and she stated if information was given incorrectly she apologizes but the forbearance had to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation