vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, I opened an estate account at Chase Bank following my mother 's passing. One week prior to my appointment to open the account, I was required to bring in all of the required legal papers such as my letters testamentary and the estate EIN. I was told the paperwork passed muster and I was allowed to open the account. A week later I received a letter telling me that I needed to supply further identifying information. I called the 877 number provided but after an hour on hold, I gave up and reached out to the branch for resolution instead. ( This was another option provided in the letter. ) A day later, on XX/XX/2021, the banker reached back out and told me the issue had been resolved. Specifically, he relayed that the branch had scanned the documents a few days after the account was opened and the timing created an issue. I was told the documents had been scanned in by the branch and that I did not need to worry about the issue. I was therefore quite surprised a month later when I received a cashier 's check for the amount of funds belonging to the estate with a notice that my account had been closed. I reached out to the branch and was told they would look into the matter. I also again attempted to call the 877 number. This time I was on hold for XXXX hours at which point the system hung up on me. I discussed this matter over the next few days with branch personnel and was just told that they could not open the account because I live in a state other than my mother 's state of residence which has jurisdiction over the probate. This is a particularly strange reason given that I had just concluded my step-father 's estate that was held in the same jurisdiction one month prior to opening my mother 's estate account. The Bank is under the mistaken impression that the state of probate does not allow the estate account to be held in another state. However, my probate attorney told me it was ok and the court in the case of my step-father had no concerns about my opening the account in another state. 

At this point, I am left with a check for over {$200000.00} that is no longer earning interest. This puts me in the extremely awkward position of not being able to fulfill my fiduciary duty as executor. Chase Bank has been deceptive with me, making false statements with material impact, in that they had numerous opportunities to tell me if they had concerns about opening the account. For example, why tell me they needed identifying information when no additional information could cure what they see as a problem. If they had been forthright, I could have transferred the funds to another bank during the waiting period and continued to earn interest. It also strikes me as unfair in that their back office operations caused me injury that I could not have avoided and it is not outweighed by any benefits. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TN

Complaint narrative:
I am submitting due to non-compliance with Transunion, XXXX, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX  ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX  access my account on line. ( It has always been working for me without issue ). I immediately went XXXX  the local branch XXXX  find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX  me. I was in shock. 

How come in a sudden my account is closed?! It was in good standing with a balance! 

I called the back office with the reference number she gave me XXXX  the back office rep. told me my account was closed XXXX  " PNC does not want XXXX  share the reason with me " XXXX  that was final. 

On top of the huge disruption XXXX  my business, I also feel being violented. My human right is violented by the PNC bank. 

I am looking for my human right protection from CFPB. XXXX  proper compensation for my loss from the PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
TO GET TO THE POINT, THIS COMPANY RUINED MY CREDIT! I have first bought a XXXX XXXXXXXX XXXX  XXXX XXXX XXXX from this company. XX/XX/XXXX, with a down payment of {$8500.00} the full amount was {$10000.00}. I finaced the remaining {$1900.00} with 3 monthly payments of {$640.00} beginning in the month of XX/XX/XXXX and ending on the month of XX/XX/XXXX. I made every payment on time and you can verify that through this company. This company decided to report what I financed XXXX months ago in the month of XXXX. Everything they reported was highly incorrect. I'm very unpleased with what they reported. I also spoke to the agent she told me " one of her workers was in a rush I'm sorry for the mistake '' that's very unprofessional also, the title I have in hand proves that the release of lien or security interest is XXXX, its also signed by there agent. Which proves that my last payment was received in XXXX. This company decided report that the account was closed on XX/XX/XXXX, with 67 % missed payments. Also they stated that I first made my payments in XX/XX/XXXX instead of XX/XX/XXXX. I'm highly upset with this company and want to take legal action against them. Also when I call this company phone number they are not cooperative. They are treating me as if they don't care about my credit. They keep telling me we are waiting on Equifax to get back to us. Instead of getting in contact with them. This company ruined me in the long run and this is how they go about turning people credit. They delay the whole process. Also, I can show everything that proves this company is highly unprofessional. Thanks for giving me the time to let you know my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX  XXXX. Since XX/XX/2016 Navient has been billing XXXX reporting on loans I do not owe. They have XXXX  me financially, XXXX, XXXX XXXX  XXXX. I've told them I have a XXXX  XXXX XXXX  sent them 733 documents proving the incorrect loans XXXX  amounts for 5 years. I was also informed by the Treasury Department that employees stole my identity. This was reported XXXX  the FTC. I have file bankruptcy, been XXXX  twice XXXX  will now end up on the streets a third time as I'm XXXX, XXXX  with nothing. Navient had XXXX  XXXX  XXXX  me for money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I have a report on my Equifax statement that has been paid in full. I have spent 45 min on the phone on hold tried to submit my problem online after I phill out all the information and enclosed paperwork. There system is not working at this time I have tried this 4 times I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I received notice on XX/XX/21 that an escrow analysis had been performed on my mortgage account, and that my monthly payment would raise from {$2100.00} to {$6900.00}. This was due -- according to the notice -- my county tax bill being {$22000.00}. In fact, this was a keying error, and XXXX XXXX tax bill was actually {$2000.00}. According to the online " XXXX XXXX '' for my account, the bill was scheduled to be paid XXXX next day. Upon receipt of the notice ( sent by email ) of the escrow analysis, I immediately called the bank to inform them that they made a mistake, request that it be fixed, and that my payment be corrected. The employee I spoke to understood the issue, and realized that it was important to be fixed. After a long hold, I was told that it was corrected and that the new payment would be reflected on their website the next day ( XX/XX/21 ), but he wouldn't be able to tell me what it would be. 

As of today, XX/XX/21, the payment listed on their website for my next payment is still {$6900.00}. I've been unable to reach a representative on the phone, and the bank 's response to my message on their website asking them to please correct the payment indicates that they did not understand my request at all. Having a monthly payment jump {$4700.00} is simply untenable, and reflects gross incompetence by the bank at best, or an attempt to bankrupt me and take the house at worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX capital one auto finance contacted Me in regards XXXX  my late payments. They assisted me when I was laid off from XXXX XXXX  XXXX. I made my payments. I then was hospitalized with XXXX from XXXX until XXXX. I asked for an extension. I was denied from XXXX, XXXX, XXXX  XXXX. XX/XX/XXXX the representative told me make a {$300.00} payment before XXXX  XXXX  the relief will begin again .XXXX 

XXXX XX/XX/XXXX, XXXXthey  called again asking for another payment XXXX  the car was on the repossession list. How? I have paid the amount!!! The representative stated they had no record of the Conversation on the day the payment was made!!!! No record!!! I went on XXXX  ask what the pay off amount would be. I paid {$27000.00} on the car. She told me I owed {$31000.00} XXXX XXXX. I said okay, I will pay it off. She said the pAy off is {$31000.00}!! Another {$31000.00}??? My bill if Sale with interest At 16.1 % shows {$34000.00}!!!! Why am I paying almost {$60000.00}!!!! She said it shows 12.4 % XXXX  she shows {$60000.00}! There is a huge discrepancy. Capital one violates the TRUTH XXXX  Lending act with the terms of the loan. In no way does it say in my disclosure XXXX  pay this much interest or over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX  I am submitting this complaint myself. I have been patiently waiting on AMERICRDT 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( AMERICRDT Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: AZ

Complaint narrative:
Balance Credit contacted me at the beginning of XXXX XXXX  say that i was in default of a loan. I did not take out a loan with them. When I contacted them, they claim that they gave ( transferred into an account ) someone with my name, social security number XXXX  same bank XXXX XXXX  XXXX XXXX ) & my phone number-took out a loan XXXX  they deposited {$1300.00} into the account on XX/XX/2021. 
They did not have my correct bank account number, nor my correct email address. 
After several harassing phone calls from them they told me XXXX  file a police report-which i did. I will also contact the 3 credit bureaus XXXX  notify them of identity theft XXXX  fraud. 
I am getting ready XXXX  retire. I have worked diligently XXXX  pay off all of my debt other than my mortgage XXXX  a truck payment. I do not need XXXX  borrower any money XXXX  I do not want my credit affected by this unscrupulous lender. I have been greatly inconvenienced by their incompetence of not recognizing fraud XXXX  identity theft. 
I want them XXXX  rectify the situation immediately. They can follow up with the bank of the person they deposited the money XXXX  ( By contact XXXX XXXX  finding out who they sent the money too ). I am considering a lawsuit if not taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I tried to apply for a mortgage and on my report it came back that I owed almost XXXX to a company called portfolio recov assoc credited by XXXX XXXX and it shows it was opened XX/XX/XXXX but I know for sure I didnt open or apply for anything in XXXX. I dont know where it came from or why they put it on my credit. I wasnt notified about it before it hit my credit. I Also didnt open the XXXX XXXX  account in XXXX i dont know why their on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. XXXX XXXX XXXX  I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: InvestiNet LLC
State: GA

Complaint narrative:
I have tried multiple times to communicate with the said collection company. I have never had any doings with this company neither do they have any written contracts to verify this debt. I have also paid this debt in the sums of XXXX with hopes of having it removed from my credit report because I am in the process of purchasing a new home they have yet to remove the debt and its hindering me from obtaining other credits. Please have this company remove this inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation
State: RI

Complaint narrative:
I received a card in my name for a service named XXXX. The letter told me that my card is ready for use. I looked the company up online and was directed to a support email. The company told me if I believed this was fraudulent they would close the account and to report to law enforcement. 

I have never used this service, nor do I know what it is!!! I am disgusted that a company would allow this to happen without verification of my identity.

Company response to consumer: Closed with explanation