vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX   about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. smh when people are put in the wrong position I'm sure XXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXX XXXXa wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO

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 2019-05-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXXXXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with XXXX of my mortgage, that it is now listed as XXXX negative entries instead of XXXX. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not XXXX negative entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.

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 2019-05-03 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: MI

Complaint narrative:
On XX/XX/2019 a package of information was sent to Equifax to dispute information regarding 3 collection accounts on my credit report that have been paid asking for them to be removed. On XX/XX/2019 a phone call was placed to Equifax again speaking with an advisor asking for these to be removed. The 3 accounts have not been removed and remain on my credit report. 

Also, I have been in contact with the 3 credit reporting agencies and Equifax is the worst of the 3. Their website and web services are horrible and not user-friendly and the online services hardly ever work. It makes this very discouraging and I feel that because of this most people will get frustrated and just not doing anything and walk away.

One company should not have so much power over someone's life and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Attempted to buy tickets to a hockey game and the seller was scamming us. Chase allowed for us to transfer {$220.00} to his/her bank account and also have him request {$220.00}. This all happened within minutes of each other. Once we learned it was a scam we attempted to have the bank cancel the transactions but it was too late. The payments were made through XXXX. I just wish there was more that could be done to revoke payments after the fact or that Chase would have found the activity of two exact payment amounts suspicious and called to verify if both were legitimate. These transactions happened on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old.  Convergence   is a third party collection company representing XXXX XXXX XXXX XXXX that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019 while getting my papers from library printer I left my wallet on the computer desk, at XXXX Library. There are scores of homeless people who visit the library as there is a shelter across the street. I tried not to assume the worst, left the library and went about my business. XX/XX/19 I  receive text alerts from Bank of America of possible fraud. I check my accouny to discover unauthorized, fraudulent charges across the XXXX Virginia area and XXXX. I check my backpack where I kept my wallet since the previous date and my debit card and state ID are missing from my wallet. I immediately contact BofA and they inform me the pending transactions will be stopped, ( but, they aren't and my account is thrown into the negative {$230.00}, DESPITE ME NOT HAVING OVERDRAFT ) and I will receive my money back within three days. I file two claims ; one for {$290.00} and another {$930.00} totalling the amount of money I have not authorized to be spent and recognize as fraud, yet Bank of America has refused to return the funds of this fraudulent activity and allowed my account to be overdrawn when the account DOES NOT have overdraft protection. This has caused me extreme hardship ; can not eat, pay my rent or phone bill, can not get to work as I have no money to purchase a bus pass. I filed police report XXXX, spoke with Officer XXXX of XXXX County Police Department.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
THE FIFTH MONTH MY ACCOUNT IS INACCESIBLE!! 

TO : THE CONSUMER FINANCIAL PROTECTION BUREAU WHY HAVE NOT YOUR OFFICE INTERVENED??? 

THESE ARE CLEAR VIOLATORS, WHY ARE THEY NOT BEING ENFORCED?!! 

I WILL INFORM AS MANY LAW ENFORCEMENT AGENCIES POSSIBLE AT THE FEDERAL LEVEL TO INVESTIGATE THE BUREAU AND WHY THE ENFORCEMENT WING HAS NOT RECTIFIED THE PROBLEM BETWEEN I, THE CUSTOMER, AND THE CRIMINAL ACTIVITY OF CAPITAL ONE 360 CAPITAL ONE FINANCIAL. 

CAN I EMAIL A REPRESENTATIVE OF YOUR DIVISION OF LAW ENFORCEMENT DIRECT TO INQUIRE? 

I WILL NOTIFY THE POLICE CHIEF IN VIRGINIA, THEN THE FBI, THE JUSTICE DEPARTMENT - AGAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Federal Pacific Credit Company, LLC
State: OK

Complaint narrative:
Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. XXXX is a third party collection company representing Federal Pacific Credit Co. that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
yes, I have been a customer of Synchrony bank for 12 years in business with them, I have current credit cards, that I continue to pay and do not have any delinquent accounts with them. I recently received a letter yesterday as of XX/XX/2019 in the mail from them stating my account with XXXX was closed because I no longer use it? recently they have lower all my credit balances on all other cards as well.in the letter, it says there's a number of accounts with delinquencies? this information is untrue and has found this company not only to jeopardize my credit score. I do not have any delinquencies with this company. I continue to make my payments on time with Synchrony bank.

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 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This company calls my cellphone atleast 4 times a day. They begin at XXXX and don't stop until 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 2019-05-03 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: NC

Complaint narrative:
I have submitted multiple disputes to Experian regarding a bankruptcy listed on my consumer report. Experian is stating that the account was verified by the furnisher of the information which I know for a fact to be false. Furthermore they are refusing to re-investigate the 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 non-monetary relief
Consumer complaint received 2019-05-03 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: Certegy Holdings, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a check to XXXX XXXX XXXX for the purchase of Week groceries, my check was declined on the information provided by Certegy Payment Solutions , LLC, of XXXX, FL. They have a contract with Kroger to check the credit history of the customer providing payment with checks. My credit score is 800+ and I have excellent credit.

I contacted Certegy and requested my consumer file disclosure report which they sent to me. the control number is XXXX  and the tracking number is XXXX. What they sent me was a record of three transactions : one from XXXX XXXX XXXX, dated XX/XX/XXXX, one from XXXX XXXX  dated XX/XX/XXXX, and one from XXXX XXXX dated XX/XX/XXXX. All were approved. My concern is that because my bank, XXXX XXXX XXXX XXXX is not one of Certegy 's signed clients, they are using the fact that XXXX is not a client against customers that try to submit a check from this institution to their clients.

According to XXXX at Certegy, they have no record of an inquiry from XXXX, and prior to this, XXXX XXXX in XXXX XXXX VA. declined to accept a check from me, based on informatoin from Certegy. I don't know what should be done after these two instances, but I am not being protected false reports or Certegy is sending false credit decisions to get a banking entity to sign with them as a client. I value my credit standing with businesses and when there is a derogatory report or a turn down because of a false report from a credit reporting agency, it is a major concern to me.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I tried to open an account at Chase in XXXX and had deposited over XXXX $ and was successfully opened. I then had received a phone call two days later saying they have to close my account. They had said the back office had closed it even after it being opened. They said it was suspected fraud due to previous account. I had a Chase Account probably in XXXX. I had received a check which later turned out to be a fake check. This was not my fault but not they are not letting me open an account due to something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I had a unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with XXXX for about 6 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error.

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 2019-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA XXXX LOAN XXXX I. Am 100 percent service connected veteran exempt from property taxes. I had the county assessor write a letter to the mortgage company verifying this but they are not honoring the letter. They continue to try to collect escrow property taxes from me and are not applying the mortgage payments I am sending every month.They state they have to wait for the second installment in XX/XX/XXXX from the county assessor to verify the exemption, and meantime they are reporting my loan delinquent to the credit bureau. I am paying my mortgage and insurance every month but they are holding it in suspense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
It is showing that I have 9 student loan on my account. I should only have 3 but on my credit report it showing that Ive got 9 and all those are the same account number and the amount that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A hard inquiry is on my credit report and I did not make it. Ive tried several times to get it removed and nothing has been done ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I qualify for student loan forgiveness, having XXXX for 25  years. I am XXXX now and never missed a loan payment. I merit to have the remaining {$5000.00} balance dismissed by Navient and DOE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
To whom it may concern, In response to my complaint # XXXX-XXXX submitted on XX/XX/XXXX via CFPB to PRA, please be advised i never received any letter or/and any correspondence on XX/XX/XXXX ( see attachment ) and clearly PRA knew i was living in New Jersey at the time. I wasn't given the right to dispute this debt and clearly it was done intentionally on PRA 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX/XXXX obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize this, and the inquiry needs to be removed immediately!

Company response to consumer: Closed with non-monetary relief