vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted an individual on XXXX for concert tickets sometime early XXXX. The person had an account that seemed legit and answered all of my questions. This person fooled me into thinking I would exchange cash for the tickets as agreed upon. I asked this individual for the required information and for pictures. Once we made an agreement, I transferred the money on XX/XX/2019 and this person did not send me anything. In fact, the person disconnected their phone number and deleted their XXXX account. I was not able to get my money back as I sent the money through Chase XXXX. I did not know that Chase XXXX did not protect against this. I want a resolution to this and I want to ensure this situation does not keep happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I can not wholly blame Equifax for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Equifax could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at Equifax conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are  inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming Equifax for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX  Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX  XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX  XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX   Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Follow up to complaint XXXX Co unwilling to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Account was shown on the credit report as a late payment Payments are due on the XXXX and payment was made on XX/XX/XXXX and again on XX/XX/XXXX with final paymet due on XX/XX/XXXX. I talked to Santander and they report late payments more than 35 days but it was 33 days and it was not a payment but fees. This has adversely affected my credit score as I never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I received a balance transferred to me using Cashapp. The balance can be cashed out immediately for an additional fee, transferred to your bank in 48 business hours or to a gift card. I chose to deposit to my bank, XXXX. I made the attempt on XX/XX/19, XX/XX/19, and toady XX/XX/19 using the free option. After being prompted to login to the XXXX account there is a notice of an error. I contacted the, via email on XX/XX/19 and have not received any response other than this bank has problems something like that. No resolution after making initial contact w/ them. 

I am not interested in paying to transfer or gift card. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The collection agency sent an outdated billing statement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: MA

Complaint narrative:
Attempted to file a dispute online. After filing the dispute, I received an email stating that the results were ready. Following the link provided attempted to log in. The website states : " We need more information to confirm your identity '' and gives a telephone number to call. After calling the number provided spoke to numerous agents all claiming that they would " Connect me to someone who can help me log on, '' no agent was willing to help me log on and they continued to transfer me to other agents. The agents then pretended that they were having problems hearing on the telephone.The behavior became abusive. The agents then disconnected the telephone call without providing any assistance. I was unable to view the result of my dispute for a collections report of an account that was not mine. I am not sure how to resolve the problem since I am suffering from an unfounded collection report on my credit report and can not receive any assistance from the personnel at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: CA

Complaint narrative:
This is an official grievance against Equifax situated in XXXX. XXXX XXXX XXXX, GA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EQUIFAX has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. 

This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have a private student loan with navient and I sent them to checks last month in XXXX from two separate checking accounts and they seem to have lost both checks. Neither one has posted to my student loan however both have cleared through my checking accounts. For both accounts when I look online it looks to be paid to Sallie Mae, not to navient. I have called navient multiple times and no one can answer my question as to where my money is. I also called Sallie Mae although I do not and have not ever had a loan through them to have them look as well. The first check I wrote is from XXXX XXXX, check number XXXX for {$450.00}. The second check was from XXXX XXXX XXXX, check number XXXX for {$480.00}. My account number with navient is XXXX. Since getting my student loan I have gotten married in my name is changed from XXXX XXXX to XXXX XXXX but navient still has my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Ability Recovery Services is reporting inaccurate, negative information on my credit reports. This information hasn't been validated and the balance showing owed is incorrect according to the original creditor. I am asking for this information to be removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: LA

Complaint narrative:
Identity stolen in 2016. Police report filed. Contacted all companies to let them know I wasn't the one who made purchases. Now 3 years later I've turned over to a debt collection company. Never received any more correspondence from company. This was taken care of 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I applied for a home equity on XX/XX/2018 and received the loan on XX/XX/2018. On XX/XX/2018 I was issued a closing disclosure that stated no prepayment penalty on the loan. Now I have learned there is a prepayment penalty on the loan. If I knew this upfront on the closing disclosure I would have never closed. Because of this bait and switch, I was forced to close on a loan with different attributes than on the closing disclosure. I would like all interest paid returned and the prepayment fee waived and allow me to pay of the loan without penalty as on the closing disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did buy some items thru XXXX, I got I chase card obtain thru XXXX promotional, between XXXX XX/XX/18, I did return some items and XXXX XXXX to my in this card, Chase card start to sent to me bills to paid the amount credited by XXXX because I returned those items, Chase card insist to collect payment of this items amout. 

I sent via mail and fax 4 times in lapse of 14 months and Chase still don't revise my case and sent to me to collection agence ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/19 I submitted request to Equifax by phone to place a freeze on my credit file. The option to place a freeze is buried in a hidden menu of options that can only be reached by pushing 0 several times with no prompts. Then after giving information ( SSN and numeric part of address ) system informs that request can not be completed. No instructions for mail or online are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I can not wholly blame XXXX  for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX  for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-Capital One Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX   # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-Capital One Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX   Inquiry from XX/XX/XXXX 14-Capital One Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-Capital One Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- Capital One Inquiry from XX/XX/XXXX 21-XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX  Inquiry from XX/XX/XXXX 24- XXXX XXXX  Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX  conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me.

These are some painful and regretful errors. They are causing severe backlash from my mortga
ge provider. As a Veteran and a Gold Star member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-1st Franklin Financial Inquiry from XX/XX/XXXX 2-XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 6-1st Franklin Financial Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXXl Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX  23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/2019 I received an email from XXXX XXXX stating that the company SYNCB/WALMART National Credit cards/Airlines had done a hard inquiry. I have NOT try to obtain and credit or loans in over a year and this was done without my permission. This mistake has put a blemish on my credit report and has totally terrified me that this has happened. Ive never gave any kind of permission for them to do this at all. Im asking for your help in getting this taken care of. I have not contacted any body about this issue in fear of what this is all about but I trust you all. 
Thank you for your time and consideration 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 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I have been calling all day at least 6 times. XXXX and XXXX and others hung up on me. I am trying to locate XXXX, XXXX statement. Citibank has no idea. I had to come home to give them account number. They still hang up on me.

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 2019-05-13 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: TN

Complaint narrative:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XXXX, 2019 I mailed XXXX letters complaining about how they had illegally obtained a report from XXXX XXXX and attached it to my XXXX Report without my permission or any sign authorization from me to obtain this report. Nowhere in any information that XXXX issues state that they can attach any other vendors report without your permission or authorization.

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