vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: IL

Complaint narrative:
I wrote XXXX and Equifax about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but XXXX and Equifax are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: William D. Meeker Enterprises, Inc.
State: AL

Complaint narrative:
I do not recognize these credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was attending XXXX for a few month then had to withdraw from the program. I went through a messy divorce and moved out of state. I have been stuck trying to get this loan discharged for years but no one will listen to me or review my case. I have sent in all required paperwork including an application for discharge to Navient but they denied it. The school did not report that I withdrew and so I was stuck with the whole loan. I didn't receive any of the money as it went directly to the school. The school should have returned the portion that was not used. I am not sure how else to proceed with this except to file a lawsuit against the school or Navient. I have sent in another application with a letter explaining the situation to Navient but I am almost certain I will have the same outcome. Again, I withdrew from the program and should not have to pay the entire student loan debt back as I didn't complete my degree. I am struggling to pay this back and have basically been getting a forbearance every year since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX 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 2021-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I do not recognize these credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Credit Plus Inc
State: AL

Complaint narrative:
I do not recognize these credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX as XX/XX/XXXX and TransUnion as XX/XX/XXXX while XXXX as XX/XX/XXXX. This is an violation by the accounts with XXXX and TransUnion would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a Charge Off but yet XXXX is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a Charge off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX and XXXX and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

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 2021-01-29 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: CA

Complaint narrative:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX  as XX/XX/XXXX and XXXX  as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX  and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX  and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for Experian as XX/XX/XXXX and XXXX  as XX/XX/XXXX while XXXX  as XX/XX/XXXX. This is an violation by the accounts with Experian and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet XXXX  is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with Experian and XXXX  and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

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 2021-01-29 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: LA

Complaint narrative:
XXXX XXXX wont refund a total of XXXX $ they have shut down their company and services and my credit card company chase freedom is aware of this and still wont refund me the money. They have not offered a solution or even a way to resolve the problem. How can I have a charge on my card for a travel company that no longer is in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: DC

Complaint narrative:
I purchased airfare from XXXX XXXX on XX/XX/XXXX using my Chase Ink card account number XXXX in the amount of {$920.00}. I closed the Chase Ink card in XX/XX/XXXX. Due to COVID-19, I cancelled this trip in XX/XX/XXXX and XXXX refunded the the XXXX card in XX/XX/XXXX, for which the XXXX is XXXX. However, when contacting Chase, I was informed that the XXXX account had been purged after its closure and that they had no record of receiving the refund nor could a refund be received on a purged account. Since then, I have contacted XXXX XXXX multiple times, most recently last week, which confirmed that the refund to the XXXX card did successfully occur. Any attempt to reach out to Chase back in fall XXXX and early this year resulted in them stating there was no record of that account ever existing. However, I have still not received a check or any other form of refund for the {$920.00} credit to the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a cashiers check along with a deposit slip and entered deposit as cash for {$2400.00}. On the bottom of my deposit slip, I wrote cash deposit, no holds cash deposit. The teller, XXXX, when asked, acknowledged and said, " Yes, I see it is a cash deposit '' I received a deposit slip verification from her and it shows cash paid to customer {$2400.00} Also, the receipt shows at bottom of receipt " cash in {$2400.00} '' When I got home, went to pay online bills and noted my account shows cash deposit {$2400.00} " PENDING deposits '' I took a picture for proof for my complaint. I drove back to the bank and they are now closed for the evening. I called customer service and both representatives told me my check has to clear and is " pending '' ... .and will hopefully be processed by Monday, XX/XX/XXXX. They refused to change it to a cash deposit - told me it will be investigated and take up to 10 days. Spoke to XXXX, in the customer complaint department, and afterwards she escalated to a XXXX XXXX, intake complaint person, in the escalation center at XXXX. He advised he will submit my complaint and they have 10 days to get back to me. Complaint # XXXX. The bank is floating my cash and my cash is not in my bank account ( instead, it is in their 's ) Wonder if there should be a class action investigation for investigate for unethical banking practices for all of the customers who do business with this banking institution. They should pay a penalty

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 2021-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A trust account was established by my mother making JP Morgan Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Vice President & Trust Officer XXXX the Trustee of the Trust. 
On XX/XX/2021 I requested that this account be termination early as per Paragraph C in my mothers will. 
3. Early Termination Provision. Notwithstanding any other provision of this Paragraph 3, the Trustee may terminate the trust for my son in whole or in part at any time if in the Trustee 's discretion ( ii ) for any other reason early termination is in my son 's best interests. That portion of the trust estate as to which the early termination applies shall be distributed to my son. 
I put in a written request to JP Morgan to terminate this account and it was presented to the Board of Trustee 's and it was denied because my justification wasn't strong enough. I even requested a partial termination and it was denied. 
I am XXXX XXXX  and do not have very long to live and I need to get my financial affairs in order before I XXXX. I need money for medical expenses, funeral expenses current debts and taxes that I need to pay for before I die. The intent of the Trust appears to be more for the best interest of JP Morgan than for the benefit of me. If a XXXX man 's request for funds is not good enough, what is?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX 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 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XXXX my local credit union sent a check to Goldman Sachs to pay down a significant portion of my Apple Card issue by Goldman Sachs whom I will refer to as GS. GS received the check on or around XXXX per the stamp on the back of the check copy I received from my credit. GS cashed the check and has not posted the money to my account. My payment is due on the XXXX of XXXX, I reached out to GS who claims theyre looking into it and have no idea where the check is, where the money went or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called to unfreeze my report. I was asked for my full social security number and I refused. I gave them the last 4 digits and they were able to complete the process. There was no reason to ask for my full social security number if the last 4 digits gets them to my file. This is a dangerous procedure.

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 i was suppose to recieve my EDD Bank of America debit card turns out that my mail was tampered someone activated and made transactions on my debit card I reported it ever since Ive been getting the run around funds are being deposited into my account but Im unable to activate my card, they sent me a new card and been calling Bank of America almost everyday since all this started they tell me to call them in 72 hours or other excuses Ive been waiting to access my funds for long time now I wasnt able to buy XXXX presents due to the fact that I cant activate my 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 monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
We closed on our home in XXXX and provided proof of insurance at that time. Loancare LLC has since sent letters requesting proof of insurance, and we have had our insurance provider provide that proof. Loancare LLC is also escrowing and paying XXXX XXXX, our current insurance provider. We confirmed today that XXXX has been paid every month since XXXX via Loancare. Loancare purchased another insurance policy in XXXX, claiming we did not have insurance and is now trying to bill us for the unnecessary insurance policy they purchased even though they pay XXXX for our insurance. Multiple calls have been placed, multiple customer service reps have claimed the issue to be resolved, yet it is not.

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