vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am trying to get some resolution to an error I made by accidentally sending {$12000.00}. ( via my Bill Pay by XXXX XXXX  ) to an way old chase visa  card that I had years ago. So there is no record of this account with Chase. 

{$12000.00} ach transfer to chase visa XX/XX/XXXX at XXXX XXXX XXXX XXXX from XXXX XXXX  checking XXXX the cc account number used was XXXX, The reason for this email is to express my disappointment with your company 's ability to aid me. 
I have the information of the EHC transfer, but both phone lines of both parties are of limited aid. 
Can you aid?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. TransUnion is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. TransUnion has items listed on my credit report showing long before I disputed these fraudulent accounts. I need TransUnion to remove the fraudulent items. I am trying to buy a house and new car asap

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 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
There was a Notice and Demand for Payment opened XX/XX/2019 to recoup the exact value of the illegally collected debt in the amount of {$690.00}. It is accepted that XXXX Comenity Bank, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: WA

Complaint narrative:
XXXX XXXX Navient Office of the Customer Advocate XXXX XXXX XXXX, PA XXXX Account # XXXX RE : Income-based repayment plans Account # XXXX Good day, I have received my new IBR payment information, and wish to inform you that you have miscalculated. Last years XXXX income-based repayment amount was XXXX and based on my salary of {$65000.00}. This year, you have raised the supposedly income-based repayment up to {$710.00}? The increase seems excessive, as based on the 10 % of gross income formula the correct amount would be much closer to {$590.00}. 

Your company has deliberately withheld the necessary information for getting that recalculation done for MONTHS, ignored my letter to do so and ample information regarding my current income, and continued to overcharge me. I am including a new IBR request and a copy of a recent paycheck. You will IMMEDIATELY recalculate my IBR based on my actual income, as you have been asked to do multiple times over the last few months. 

I live in XXXX, which currently has one of the highest costs of living in the nation, and can not be expected to sit by quietly while you take more than your due. I have never missed a payment to anyone who has held my loans ( including XXXX XXXX, who dispersed my loans to debt collectors rather than obey the laws regarding IBR ), and except for a few brief deferments have been paying steadily since the year XXXX. I would like to know when I might reasonably expect loan forgiveness from Navient, as it is usually offered after 20-25 years. 

And, by law, you only have a right to only 15 % of my DISCRETIONARY income ( which amounts to approximately $ XXXXmonth after expenses ), and NOT 15 % or greater of my gross income, you will abide by the law, and immediately adjust the IBR amount down to the expected amount. I am happy to provide receipts as required to prove the amount of my discretionary income.

Kindly respond in writing, so that I may share your answer with all those I have Ccd on this letter. Thank you for your attention to this matter, and its rapid resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.

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 2019-09-16 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: TN

Complaint narrative:
XXXX does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. XXXX is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. XXXX  has items listed on my credit report showing long before I disputed these fraudulent accounts. I need XXXX to remove the fraudulent items. I am trying to buy a house and new car asap

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 2019-09-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
General Chase Business Credit Card branded for Southwest Airlines Problem 1 ) Found out on XX/XX/XXXX, that the card is showing as a " personal '' card under a personal social security number rather than the business EIN that was given when the card was applied for in XX/XX/XXXX, per XXXX XXXX in Central Ops Service Center for JP Morgan-Chase Problem 2 ) Updated business email online on XX/XX/XXXX due to an email change for the business. Received two email confirmations of the email change. Email confirmations were sent to the correct new email. On XX/XX/XXXX, received an email notification that our statement was ready but it went to the OLD business email that had been removed online from the account. 

Problem 3 ) A personal email keeps showing up on our account online that was NEVER typed in or authorized for use with this business credit card. After four phone calls with Chase and multiple conversations, no one at Chase is able to permanently remove the unauthorized email. Additionally, more than one person specified that they have seen this before where personal contact information gets pulled into a business account without authorization. They do not know how to fix.

Problem 3 ) This is not the first time, or first Chase credit card, were we have had this problem. Chase has never been able to resolve these problems in the past. In addition, they sent us letters claiming a resolution which have all been inaccurate and blatant lies. We believe Chase needs to have their data systems audited for security issues. When data just shows up in online profiles that was never entered by the credit card user or Chase support, and the changes have occurred with the card user and a Chase research person watching the system and witnessing the change with no explanation able to be given, then there is a HUGE problem. It should scare anyone working with an online Chase profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: NV

Complaint narrative:
Sent Letters requesting documentation to verify this information is mine and is correct on : First Letter on XX/XX/XXXX second letter on XX/XX/XXXX third letter on XX/XX/XXXX Received a letter from the Credit Bureaus XXXX XXXX  and XXXX XXXX saying account has been verify but never received any supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The Work Number, from EQUIFAX, has FOR YEARS, supplied fraudulent employment information to potential employers. The employers have been scanned and are listed here : XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX., XXXX Department Stores,  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Moreover, this fraudulent information is not on my credit report. It is being secretly reported to potential employers via The Work Number From Equifax. I have never authorized this information to be provided by The Work Number. I didnt know The Work Number From Equifax was providing employment information. 

I have never worked for these employers. Review the dates of employment also. The majority of these companies are reporting 1 ( ONE ) month of employment. This is ridiculous. Remove these employers from my employment history. It is fraudulent. I have never worked for these employers. There is also a fraudulent address listed on the last page of the report : XXXX XXXX XXXX XXXX XXXX GA XXXX. Today Ive spoken with XXXX a customer service rep with The Work Number, From Equifax. She states that I must contact Equifax Office of Consumer Affairs to have the address removed. This office has removed this fraudulent address several times. I have recorded calls each time. Why is this address being rotated by Equifax? Its not on any other credit reports. Just Equifax where I have been consistently targeted by the Office of Consumer Affairs. I want these fraudulent employers, addresses and this fraudulent phone number removed from my credit report and employment history report! The fraudulent phone number listed by The Work Number From Equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
XX/XX/XXXX We purchased a home in Maryland as a short sale. In our HUD 1 it shows that the seller had two loans with 2 separate loan numbers. We received letters from the sellers mortgage company they accepted our offer, and we proceeded with the sale. 
Fast forward to XX/XX/XXXX we were selling our home and had a ratified contract, when 2 days before our scheduled closing on XX/XX/XXXX our buyers title company tells us there is a lien in the amount of $ XXXX outstanding on our home from the previous seller, and no title company will close the deal unless we assume responsibility. Our mortgage company XXXX XXXX XXXX XXXX basically does not wish to help because we did not have title insurance, and they can not file a claim because technically the loan does not exist. The previous sellers mortgage company was Freemont Investments, they went bankrupt, re-emerged as another company and eventually sold to Ocwen. Ocwen will not give anything in writing because they state there is no loan or lien, and flat refuse to provide anything to XXXX XXXX, the current company trying to close this new sale. To further complicate the matter Freemont Investments went out of business, and as said now is Ocwen, who refuses to assist in any way. The previous owners title company also went out of business and our title company we used, which was affiliated with XXXX XXXX XXXX XXXX, also went out of business. Now, we are being told that nobody can help us and the only two options we have are to either assume the $ XXXX debt that shows was paid off of on HUD1, or wait another 8 years for the $ XXXX non-existing loan that was already paid off to fall off of the records. As of XX/XX/XXXX our buyer is requesting to walk away, and this leaves us with a mortgage to a house we can not sell because Ocwen refuses to do the research and give us the release on something that was paid for on our HUD1. Basically, in a nutshell, Freemont Investments only released one of the two liens but received payment for both loand per our HUD1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I keep receiving overdraw fees from Bank of America despite their app indicating that I had available funds. When I called to ask about the fees, I was told that the app does not accurately represent the amount of available funds. In order to see what is actually available, I would need to log into my account from a desktop/laptop or download a 3rd party app. I asked where in the app it notified users that the information provided was not up to date/current. The customer service agent acknowledged that they do not include that information on the app and that I should just download the 3rd party app.Although I was refunded the fees, I am really surprised and appalled by this unfair business practice that Bank of America obviously benefits from.

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 2019-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I have always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX  employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. 
They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.

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 2019-09-16 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had previously complained to Equifax, on XX/XX/2019, about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. Equifax refused to remove it by simply ignoring my letter of complaint. 
FIRST COMPLAINT to CFPB ... ( Equifax took 58 days to respond. ) On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX   XXXX had been DELETED ... ..Equifax LIED XXXX .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address WAS STILL ON MY CREDIT REPORT. 
SECOND COMPLAINT to CFPB ... ( Equifax took 55 days to respond. ) On XX/XX/2019, I once again filed a complaint with the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX STILL appearing on my credit report. On XXXX XXXX, 2019, Equifax responded by once again stating that the disputed address of XXXX XXXX XXXX had been deleted. Equifax also stated that If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy. 
This is my THIRD complaint to CFPB about this issue with Equifax. 
Equifax has once again LIED as I have never received a revised copy of my Equifax Credit Report and it has already been 10 days since they said they mailed one. Without a copy of the revised credit report, I have no way of knowing if the fraudulent/erroneous address of XXXX XXXX XXXX has actually been deleted or not. 
Equifax is in serious need of government regulation as they repeated lie and repeatedly, and unnecessarily, delay their responses until their 60 day deadline has nearly expired. This particular complaint has been continuing since my first letter of complaint on XX/XX/2019 ... almost 6 months!!

Company response to consumer: Closed with non-monetary relief