vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX yr. old XXXX XXXX and a terrible thing happened to me. I was sent some money from a friend through XXXX on XX/XX/2021, but never received it. I then went on my computer to look up XXXX when a XXXX XXXX ( phone # XXXX XXXX XXXX ) who said he was from XXXX and would get my money to me if I verified who I was. He had me go on XXXX website with XXXX and XXXX my license and email as verification. 
The next day I went on my app sites as I do every morning and when I got to Chase Bank app I was horrified. Someone had transferred {$10000.00} out of my account ( {$9900.00} + {$25.00} transfer fee ) to someone I did not know. It was definitely an unauthorized transfer. I immediately went to my Chase local branch and reported this. They changed my account number and said I would get my money back. Then Chase 's XXXX section emailed me and said I could not get my money back. 
I then went to the NYPD whose detectives felt a crime was committed by the above person on me, took a report and gave me a report #. I need my money back. It is social security and pension to live in an Assisted Living Facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I HAVE BEEN PAYING THIS LOAN FOR PROBABLY 20 YEARS,, AND THAT IN IT SELF IS REDICULOUS, BUT WHEN YOU WERE SCAMMED AND NEVER EVEN GOT THE DEGREE, THAT IS A DISGRACE. IF THIS LOAN IS INSURED HOW DOES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AT THE TIME MAKE ME PAY, I DO THE 4 YEARS, AFTER THE DEFAULT, I PAY ALL THESE YEARS THINKING THEY WERE HOLDING MY DEGREE, AND NOW THEY SAY NO WE CANT HELP YOU???? REALLY I PAID FOR THIS, WENT TO THE SCAM SCHOOL, WHEN THESE TRADE SCHOOLS JUST OPENED AND NOW I AM OUT AN ASSOCIATES DEGREE. DOES THAT SEEM FAIR?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I never received the purchases I paid for upfront with total of {$1700.00} paid for XX/XX/2021 and I have waited over 2 months for it to come from the XXXX XXXX in XXXX XXXX NC XXXX I contacted SEARS Mastercard Billing Dispute and Fraud Department said I would get a full refund and I have not received the credit back on my account.

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 2022-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX-confirmed customer service to deposit payroll check via mobile app with 100 % funds available XX/XX/XXXX. Funds deposited and placed on hold. 
XXXX2-customer service confirmed funds available after midnight as day is not considered holiday for Citibank, considered business day. 
XXXX-customer service via telephone multiple transfers, call lasting over 60 minutes while customer service rep attempting to have a branch remove hold. Unsuccessful reaching a branch. Assured return call within 24 hours. 
XXXX attempted to call multiple ( x20 ) branch locations myself, all except 2 finally answered, left messages for manager to return call. No return response received. 
XXXX account now overdrawn partial funds off hold. Customer service provides script answers now saying hold will be released XX/XX/XXXX. Call to accelerated customer service, placed on hold 20 min, then call disconnected. Attempted to call branch again, reached XXXX XXXX, same 1 as message left XX/XX/XXXX. Left 2nd message with staff for manager XXXX to return call to assist. Still no return call. Citi appears to be lying to customers in efforts to secure their funds and then withhold and block customers from access to assistance forcing them to have funds held XXXX and wait for their imposed time limits to access funds.

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 2022-01-19 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:
Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my Equifax/XXXX  credit report : The XXXX XXXX XXXXXXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX company is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX ove r XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r 710. XXXX  has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I do not own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. 

A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION BETWEEN ME AND THEM

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 2022-01-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage arbitrarily and capriciously issued a due and payable notice to elderly borrower, purportedly due borrower not occupying the property as principal residence. 
The property is the lawful Florida homestead of the borrower and borrower has provide an annual certificate to servicer on numerous occasions. Further, PHH Mortgage has arbitrarily stopped principal advances to borrower denying funds for living expenses to borrower. 
Contacting the company involves waited greater than 4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
I was told by XXXX Bank, that 2 accounts that I have with them, that have been paid on time for the last 17 months, were indiscremantly closed by TransUnion, as a result of a review by TransUnion. XXXX said that TransUnion felt that it was in the best interest of protecting the account, ( that was paid on time perfectly!!! ) by closing it. I have NEVER herd of a Credit Bureau Closing an account. That is the responsibility of the credit grantor. The bureau just reports the information, that it receives from the grantor. 
I am being taken advantage of and need this resolved!! XXXX  is stating that while the accounts are closed, and show a ZERO BALANCE on the report, that I still need to pay them?? So they close my account, affect my credit rating AND want me to continue to pay?? This make no sense and we are living in an alternate universe. 
Please advise if a credit bureau is permitted to close credit accounts, if they are not directed to do so by the grantor. That would mean, that XXXX is lying about TransUnion closing the account, and they closed it for whatever reason. They granted the credit, I have paid perfectly on the account and now they close it. Unbelievable ....

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
Flagstar Bank. They autodraft payments. I made balloon payments to pay off the loan. I left a small amount of principle remaining, so Flagstar can auto draft the remainder and close the loan. I discovered through my own research, that payoff required certified transfer of funds. There was no notice from Flagstar, and since the last payment was less than the automatic draft, the bank stopped drafting all funds, again without any notification. On the contrary, I received an email asking if I wanted to save {$1900.00} on refinancing the {$240.00}. That is evidence they know how to reach me. Also, I changed addresses before requesting the payoff amount ( via normal mail -- to ask for an e-mail occurs a {$30.00} fee, as it means loss of interest during transit from the Postal Service ). They sent the notice to the wrong address, and it expired before I could have my bank process it. Flagstar then assessed a late fee on the loan for a missed payment, which was missed as they didn't take 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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I was fired from my previous job in XXXX I have enough cash to make the payment that month but started a job recently this mont the ace cash express store I work with knew the situation I explained to them I dont get paid til the XXXX and would be in to make my fianance payment than they told me thats fine now on the XXXX I get a call about making a payment today which was not apart of the verbal agreement that was made about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 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: TX

Complaint narrative:
I did not authorize or consent. Nor did I gain anything from these accounts. I know as an consumer any inaccuracies need to be removed from my Credit Report. I have tried to fix this matter with Experian but they didn't remove these inaccuraices from my report. 

The inquiries are XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase allowed someone to open and use a credit in my name. They are reporting this fraudulent card to credit bureaus and are calling family members about the debt that I had no knowledge of.

Company response to consumer: Closed with explanation