vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
As of XX/XX/19 JP Morgan Chase closed my checking and savings account without notice. My account had only been overdrawn for 2 days, and I was goin to bring my account back to positive standing on Sunday XX/XX/XXXX. I have always paid any overdraft fees, I usually had my account in good standing. They did not give me a reason for the account closing except that they are ending the relationship. I need my bank account. Im very upset about them closing the account, because I genuinely loved this bank. I dont know what to do. I have only been overdrawn 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Financial Services Group
State: SC

Complaint narrative:
I was contacted about a debt I owed for visitation after insurance paid. I called XXXX XXXX, asked if the amount was still in-house or in collections ( I moved and missed the bills ), and paid the amount. Now I am receiving letters and phone calls from DataTrac collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo demands I own a moble phone to view my online checking account. I don't believe this is legal. Can they legally do this?

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 2019-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello. My private information including d.o.b., SSN, & address amongst other things has been breached and sold on the darkweb several times over the last few years according to the credit reporting agencies. Now I found several accounts I have no knowledge of and attempted to get them removed by a dispute but all results were nil. They're the ones who told me my information was compromised and offered a settlement but when I try to explain I have no knowledge of these accounts they just say it checked out and your stuck. It's not fair or just, they know my credit information was sold because they're the ones who told me but because my name and information checks out it was me. This entire system is crazy! I have no knowledge of these accounts and don't even know where they originated from. I just hope someone can help me clear this up.

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 2019-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

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 2019-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

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 2019-08-30 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 have made a number of attempts to contact and resolve my issues with Equifax and they keep telling me the same thing over and over and nothing is actually being done. I have a total of 10+ hard inquiries that are wrong! They promised to remove and still more added, There are Laws in place for this and they have not followed one. I am also finding out that my Equifax account is one of many in the Equifax Breach Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I receive 8 or more phone calls a day from someone claiming to be XXXX XXXX XXXX. They tell me all my info and tell me they are going to serve me with a lawsuit. I have told them to come serve me. They never do. It is from a debt that is over 10 years old. They have even called my husbands ex wife who I don't know and she doesn't know me. They call me at work, they call my husband. They call everyone I know. I call and try to fix it and they play games. They tell me they didn't call me I called them. I ask to speak with the people that call me and they won't put me through without giving them all my info. They have to have to announce the call. No you don't. I say " sue called me I want to speak with her. '' They say " she didn't call you, you are being sued. '' Well someone named sue left me a voicemail. If you give me all your info I will transfer you. This is a joke. I want them to leave me and everyone I know alone. They say ref # 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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint is about suspected fraud activity on my Bank Of America debit card which I had no part in doing. The date reported was on XX/XX/2019 which is my birthday. I was home all day. A week and a half before this on XX/XX/2019 I lost my Bank Of America debit card and my drivers license which I suspect was at the gym. I went out of state for a couple weeks to New York so I had no idea because I was not using my debit card. My birthday was XX/XX/2019 and I came back home. I had no part in this issue. The original charge off amount is XXXX $ I had no part in taking this money out of Bank Of America.

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 2019-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Bank Name : MoneyLion / XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX, Iowa XXXX Account Type : Checking Routing Number : XXXX I was targeted by MoneyLion via a digital ad to sign up for a new Checking and Investment account with them associated with a 'Pave the Wage ' program. 

Here is a link to program ad : https : //www.moneylion.com/learn/doing-our-part-to-pave-the-wage/ Get 17 % extra pay up to {$590.00} Women typically earn 17 % less than men*, and were helping to close the gap by giving you a 17 % cash bonus up to {$590.00} on your first direct deposit. 

To take part, check your email and MoneyLion app for an opt-in message and set up direct deposit of $ 500+ into your MoneyLion Checking Account. 

On XXXX XXXX 2019 I downloaded app, signed up for accounts on and opted into the promotion when prompted in the app by clicking the offer. 

I then immediately set up Direct Deposit following directions provided within the app and online and starting receiving bi-weekly paychecks to my Money Lion account ending in x XXXX as follows :XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX Further, I called their phone support # XXXX on XXXX XXXX, 2019 at XXXX ET and spoke with a rep who assured me that my account was set up correctly, that I was enrolled in the Pave the Wage promotion and that my paycheck direct deposit was completed. I requested he send me a record of the conversation in writing, however that did not happen. He told me that I should expect to see the bonus post without issue to my account per the terms of the offer. 

Now 5 months after my first successful direct deposit I have not received the promised bonus payment. I again called MoneyLion phone support today ( XX/XX/2019 ). 

The first rep said I was not on the enrolled account list ( despite what the rep on XX/XX/XXXX ) told me and that I was ineligible unless I could send them an email confirmation of my opt in from when I signed up. I told her that I could not send a confirmation as I never received one within the app and did not have access to emails from that far back ( I had to delete to make space ) I called back again on XX/XX/XXXX and spoke to another rep. Who after being notified of the call on XX/XX/XXXX told me that I was ineligible for the offer due to confidential reasons and would not tell me why I did not qualify. I cited the program terms as I understood them per the URL above that is enrollment in app via digital opt in to offer, repeated direct deposits to new account, and rep could not tell me why I specifically didn't qualify despite my understanding that I followed all rules and directions as stated, just that I wasn't on the list. I asked to speak to a supervision and rep said that would do me no good and did not allow me to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). 

I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. 

Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: TN

Complaint narrative:
To Whom It May Concern : I am writing this complaint today because Experian credit bureau has violated my rights. I have sent them, on several occasions, letters to validate the debt that they allege that I have. They have not at any time resolved or answered the validation debt letter I requested from them, certified return receipt, within the 30 days allowed for them to do so. 



Experian sent me back a credit report after 30 days stating that they updated the information 3 times. I responded with a letter for them to validate that information and to provide me with the steps that they took to validate the information on the alleged debt 3 times. I knew there was no way that they could have validated the information with the Creditor because I had already sent out a letter to the Creditor asking them to validate the information that they are saying that I owe or remove it from my credit report pursuant to the Fair Debt Collection Practices Act. The Creditor failed to do that on several occasions themselves. The next step was to notify the credit bureau Experian to validate the debt that's on my credit report, which I did. They have failed to provide me with that information still today. I have been going back and forth with them for over 6 months and I still have not been given any information or validation of debt from the Creditor or the credit bureau. As you will see by the green cards I have attached, Experian has had ample time to do their job which they have not done. They have violated my rights on several occasions and it is not fair that they continue to get away with it without any repercussions. I would appreciate it if you could please assist me by having Experian follow the federal law which they have violated on several occasions. At this point in time they should have removed the information from my credit report when it was not validated or truly investigated in the 30 days that they were allotted by federal law. It is now been since the summer of 2018 and I am still in the same situation and they are affecting me from being able to provide a roof over my family 's head because of their disregard to follow federal law by keeping inaccurate information on my credit report without any validation. 

I have attached some green cards and letters that have been sent out to Experian I travel a lot and have ad some trouble finding some of the green cards and some of the letter sent. 



Please help me resolve this situation ASAP as I am very concerned that this will affect my family in ways that I will not be able to control. 



Sincerely,

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 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Are mortgage transferred to mr. Cooper also known as Nationstar in XXXX of 2019 we were not properly notified of the time of the transfer in XX/XX/2019 I received a phone call from mr. Cooper stating that I had a back balance owing and was I aware that our account and transfer. At that time I stated to them that I was not aware and that I wish to pay the amount up to date in full I was provided an amount and paid that day. I was done reported 30 days late to the credit bureau even though my payment after the transfer had fallen within the grace. I contacted them and submitted a dispute to which the updated the payments to on time only 30 days later to again report it as 30 days late I contacted mr. Cooper to inquire as to why I was 30 days late and they stated that I did not pay the XXXX payment on time I submitted a dispute on that which they did not update to on time since the ketchup payment in XXXX from the transfer I have made Regular monthly payments on time. I am trying to recuperate my credit after a devastating family situation and they should be more on top of things as far as when someone says I want to pay my account in full to provide them with the full amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: NY

Complaint narrative:
I took out loans to pay for XXXX school and my loans were re-sold to other companies often and could not keep track of my loans until ultimately purchased by NAvient. As a XXXX XXXX I paid tuition with loans and was offered only forberance options. AS a XXXX making minimal money I was constantly put in foreberance as my " best option '' until I completed XXXX. By then my {$200.00}, 000 loans were now over {$320000.00} with over {$100000.00} of it at 8.9 %. I was cheated and never offered incombe based repayment plans until more recently and still have over {$100.00}, 000 in debt after already paying over {$200.00}, 000 to NAvient. I still live check to check because of these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2019-08-30 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am attempting to extend the temporary lift on my credit freeze ( set to expire XX/XX/XXXX ) so I can close on a house ( XX/XX/XXXX ). 

I have been attempting to lift a credit freeze today ( XX/XX/XXXX ) through the experian website. They do not recognize my address as a valid format, and/or they simply don't have the information they need to process the data. 

The message on their website states " you would like further assistance in removing your Freeze, please contact us at XXXX. '' First of all, that is not a real phone number. Second, calling that number lands me in a recorded message loop wherein no option gets me to a representative, nor does any option allow for a credit lift of any kind. I also attempted to call the numbers on their " contact us '' link and their " customer support. '' When each of those numbers redirected me to the same robot-maze, I XXXX " how to speak to a human at experian '' and tried two additional numbers. Each number bounced me to the same menu. 

I have selected literally every option on the menu. I have not been able to speak to a person, I have not been able to lift a freeze ( or even try to do so ), I have not found anything that can help me. It has hung up on me twice and twice told me to mail a large amount of information to an address " to place a credit freeze '' -- not what I am attempting to do. 

I have a XXXX XXXX in XXXX XXXX. If I can't get this information, how on earth can a less-educated individual? I have managed to lift my freeze at both other agencies relatively simply. I do not like that Experian has control over all of my data and I have no way to contact them about issues. 

I have also filed a complaint with the 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 2019-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This Capital One account is wrong, no activity for approximately two months but it was put on my credit in collections twice. Now my credit score has dropped both with XXXX and XXXX  and I need my points back the card is XXXX balance and has been for two months. Thank you in advance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/XXXX I rented a car from XXXX in XXXX XXXX XXXX wi. I had the car for a month and four days with a charge for {$210.00} per week. However, was charged XXXX for this car which is unethical being that I been renting cars for years. One agent told me it was a mistake the lady XXXX I spoke with today XX/XX/XXXX in the executive customer service told me Im responsible for this charge which was unauthorized and charged incorrectly. There was no physical damages dont go the car. I take responsibility for the cleaning gas and tow. being charged {$1000.00} a week is unheard of plus {$200.00} each extra day. Its been frustrating because I have been thrown under the rug for months regarding this matter. The bank institution I was banking with at the time was chase. I contacted them regarding this matter by mail and phone still nothing has been done.

Company response to consumer: Closed with explanation