vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I had another complaint where I complained that this company refused to give me my credit report. After I filed the complaint they sent me an online access code so I could see it. But the code timed out in a few minutes or when I refreshed my page. Then they refused access. I did not have time to read my report. I tried to call them about this but could not get past the robot. They seem to try to make this as inaccessible as possible while technically complying with the law that requires them to do this. It is very user-hostile. They do n't want to do this. My report has lots of inaccurate information but I ca n't fix it without paying or waiting another year.

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 2017-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
unsuspected high interest. The past 2 months trying to get th
e interest reimburse.
I stated I have excellent credit to lower the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: NY

Complaint narrative:
I took a lease through XXXX XXXX XXXX. Account # : XXXX. The lease was paid in full, and the vehicle was returned. I leased another vehicle through XXXX immediately. I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another XXXX. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to XXXX immediately. I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX XXXX sent the fax another two times, and I called XXXX to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc 'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX. They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to XXXX XXXX XXXX, XXXX, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account. I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed ( this was erroneously charged, and should never have been put on my account int he first pace ). XXXX XXXX XXXX reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100 points. I request that XXXX XXXX XXXX contact the credit reporting agencies to state that it was reported in error. There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges. Everyone at XXXX XXXX XXXX has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from 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 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My accounts were closed on XX/XX/XXXX without my permission for an unknown reason. Both my checking and savings accounts were closed as shown on the attached screenshot. I had not missed any payments nor received any notice that my accounts were endangered of being closed. I would have expected at the last a phone call and voicemail to contact me directly. I tried calling the Wells Fargo fraud department and they told me they could not figure out why the accounts were closed so I had to go see a banker at the nearest branch. After meeting with the banker he discovered that my accounts were closed due to a social security number error (the checking/saving accounts SSN did not match my credit card SSN) and that a cashiers check with all of my money was being mailed to me within 10 business days and they could not reopen my accounts with my money. Given that those accounts were open in XX/XX/XXXX, it took them 7 whole years before they decided to randomly close my account and leave me without any money as I do not have any other accounts elsewhere. All of the money in my account are student loans so I have no other source of income. Not only am I worried about my checks for around $8,000 worth of loans being sent out in the mail but it is also preposterous that I am being punished (closed accounts) for an error due that the bank failed to catch 7 years ago. Now I am told I have to wait for my checks, and go back to the bank and reopen new accounts. I am unsure if I will go back to wells fargo, especially with the way my accounts have been managed.

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 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Critical Resolution Mediation LLC
State: VA

Complaint narrative:
Received call from XXXX - said he was XXXX calling from Critical Resolution Center and I should call immediately or else. Asked me to call XXXX. I referred to my attorney - when she called they hung up on her. Gave me a reference # of XXXX. Never stated who they were representing. Think it is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My debit card was stolen, my PIN was obtained, and {$1000.00} was stolen from my checking account via a Chase ATM. The bank sent me a fraud alert to which I incorrectly responded indicating the transactions were NOT fraud. I immediately sent a new response indicating it was fraud, and called to filed a fraud claim. I indicated that I had misread the text message and that it was in fact fraud on the call. I also sent a screen shot of the text message responses. A police report was filed and I indicated to the bank that I have a good idea as to who the individual might have been who stole the card/ money, but ca n't say for 100 % sure. Finally, there was a separate claim ( which was part of the same fraud ) involving a money order and my PIN which was approved as fraud. The bank denied the ATM claim stating that it was due to inconsistent information since I had indicated it was n't fraud with the initial response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I refinanced a car via XXXX XXXX. The financing went through a company called XXXX XXXX XXXX XXXX. The car was reprocessed several years later under the agreement late payments could be made and accepted. They reprocessed it and would not return it even with back due payment offered. They sold it without notification. And now the collection agency they have hired to harrass Hiday and Ricke are claiming they are filing a case against me. The group is called Hiday & Ricke PA attorneys at law XXXX XXXX XXXX, XXXX, FL XXXX. They have bombarded me with phone calls and paperwork for over a year now. The repossession was done almost 2 years ago. They send people from a place called XXXX XXXX to beat on our doors late at night and scare us I have a XXXX son they have scared to death on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I used Coinbase.com to convert virtual currency into XXXX. I then initiated a transfer to my bank account via the XXXX withdrawal method. The total amount was XXXX.XX/XX/XXXX: Submitted withdrawal request. Website stated that "Your XXXX will arrive by the end of day on Saturday XXXX XXXX, 2017"Transaction has shown as 'PENDING' since XX/XX/XXXX.XX/XX/XXXX: Opened a ticket on their support system.XX/XX/XXXX: I received a generic response "issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert."XX/XX/XXXX: Received another response "It will likely take at least a week. Let us know if you need anything else in the meantime."Internet forums and social media demonstrate that many users are experiencing the same issues. I am concerned that my funds will not be transferred to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: MD

Complaint narrative:
I have made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

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 2017-08-17 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:
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX toXX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXXthru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have disputed the account with credit bureaus several times and debt always comes back as valid. I did not use this company 's services.

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 2017-08-17 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX3, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXXXXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: United Student Aid (USA) Funds
State: KY

Complaint narrative:
UNITED STUDENT AID FUNDS Closed :XX/XX/XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed :XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also USAFunds. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach USAFunds to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation