vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My Chase checking account was closed on XX/XX/2020. I had had that account since I was in high school. They would not tell me why they closed it because that's " all the information they had at that moment. '' Two months and tens of calls later, they've only given me {$1600.00} of the {$12000.00}. when I call Chase costumer service they say the remaining {$11000.00} can not be released at the moment because " it's still under review by a special team form the back office, which doesn't have a phone number, and have not been approved for release. '' What's really getting me frustrated is that it's been two whole months, and they're telling me they can not give me a time frame as to when the money is going to be released. for two months they've told me to " just wait, '' and it's gotten me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America XX/XX/2016 i called the customer service number and told them that my debit card has been lost numerous times. Then there has been some fraudulent activity on the account, they are accusing me of doing. In total they. are saying i owe XXXX i need this off 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 explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
This company called account services keeps calling me at all times of the day. When i call back i never get a straight answer. They just me transferMe off to another and i wait in line. When connected they are extremely rude and careless. They dont give any clue as to what this is in regards to. They start asking all kinds of info. Even after i provide to prove i am who i am, they keep asking questions that are impertinent. When i refuse to answer any more, they are arrogant and instead of providing exact info they tell me then i will not give you any not info. 

As though they have power over me and scare me up. 

Got information from my bank regarding bad info in my credit history. In checking i see that this company is calling me. While not giving me the info regarding why they are, they have reported this to credit bureaus and more my credit score is severely impacted. 

Yet they dont clearly tell me who they are? Hope can i trust them with a generic name like Account Services.

Please help. As reported, they are asking me to pay upwards of {$1600.00}. For all in knit this may be a XXXX XXXXpany trying to get my info. I am old and i live alone. I am in XXXX XXXX. They must know and thats why they think they can get away doing this.

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 2020-07-30 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: CA

Complaint narrative:
I was eligible for the PSLF program. I was misinformed multiple times regarding this program by Navient. They told me I was on track with my payments and was eligible for the PSLF but that I didn't need to apply until 2017 for the PSLF program. When I applied in 2017, the PSLF program told me I qualified for the PSLF but that none of my payments I had been making from XXXX qualified because I didn't refinance my student loan through XXXX XXXX. I was never told this by Navient. I spent 7 years paying on student loans that I was led to believe on multiple occasions went torwards the PSLF forgiveness program. I was told multiple times when I called Navient that my loans were on track for the PSLF program. I was never told at anytime by Navient that I needed to refinance through XXXX XXXX in order to have qualifying payments. I am now stuck with the remainder of my student loan that was supposed to be forgiven because I took a lower paying public service job in order to qualify. It will take me many years to try and pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I received a letter from XXXX XXXX ( XXXX XXXX ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have had a XXXX  balance on this card for a year. When I called they said that they closed my account for non-use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called Trans-union. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX  balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
1 ) Fraudulent transaction for {$9900.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX, Fl we reported this to Money Network. 
2 ) Fraudulent Transaction for {$9800.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX Fl yes we did a report to Money Network 3 ) Fraudulent transaction for {$9400.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX, yes we did a report to Money Network 4 ) Fraudulent Transaction for {$98.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX Fl, yes we did a report to Money Network. 

When we found this, we called Money Network Customer Services, let them Know what happened because we did Not do those transactions. They said they are going to star an Investigation and after 90n days they will notice their decision, also they said that we have to call every week and follow the dispute process. We filled out the form and after several unpleasant calls, they decide to denied our Claim. I will attach documents. Money Networ never send any letter about their decision. 
Thanks XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
I requested two " instacash '' advances totalling {$75.00}, which they show depositing on XX/XX/XXXX with a repayment date of XX/XX/XXXX. 

I never received the funds. I emailed to two different addresses on XX/XX/XXXX and received no response. I did an online chat on XX/XX/XXXX and was told I would need to send 45 days worth of bank statement to prove funds were never received. This means they are going to process a repayment for funds never received until I can provide a bank statement at the end of XXXX. 

I asked them to cancel the repayment but they refused without 45 days worth of bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Trying to do a flex payment plan for rent and not able to connect to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through First associates in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XX/XX/XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted First Assoc. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan  before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the First Assoc. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. Vervent Inc. Which is First Assoc. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon, There were two deposits ( for {$3000.00} ) made to my personal account from XXXX for my wife. JP Morgan and Chase said that the two deposits would be sent back to XXXX and my account would be closed, but that the remainder of my account ( {$54000.00} ) would be mailed to me in a form of a check on XX/XX/XXXX ( 10 days after the initial restriction was placed on my account. ) I called today to confirm that the check for {$54000.00} was mailed, but was told that the entire amount is being restricted after the account closure and that the money can not be sent to me, but instead will be held for 2-3 years and given to the state as unclaimed. I am asking them to mail me a check for my funds, but they are refusing. Please assist. I spoke to 20 different customer assistance clerks, few managers and went to a branch a number of times, with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Prior to XX/XX/XXXX I contacted Chase online informed that I was receiving several texts/email for deposit code from them and I was not trying to deposit anything. Chase representative checked the account and assured me everything was fine. On XX/XX/XXXX I called Chase online advising them there were two deposit items on one of my account and I nor my son had deposit these items and they were not mine. Chase representative told me that the items looked legitimate and they appeared to be part of the Government stimulus funds. I told the representative I had already received these funds and I insisted on speaking with Chase Fraud. I told fraud the items were fraud, no funds and I believe my account to be compromised. I ordered one account suspended/closed and I changed the passwords and emails for both account. Chase later confirmed the items were fraud and charged my account for the returned items. I have contacted Chase several times asking that the charge for the two return items be removed from my account after all I contact them before, on the day of the fraudulent ites and that I had not use any funds from the 2 fraudulent items. Chase refuses to refund me. Am I suppose to protect my Chase Bank account, or is Chase supposed to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NC

Complaint narrative:
I previously disputed a collection from XXXX XXXX appearing on all credit reports the collection company XXXX responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold

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 2020-07-30 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: NC

Complaint narrative:
I previously disputed a collection from XXXX XXXX  appearing on all credit reports the collection company XXXX  responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
My beloved wife XXXX and I each received a XXXX  letter from Morgan Stanley advising each of us that our accounts with Morgan Stanley were breached and that our Social Security numbers were stolen! 

Morgan Stanley conveniently does not tell us why our accounts were breached despite the repeated assurances that breaking our accounts is impossible because Morgan Stanley has in place sufficient security protections to prevent this from happening. 

Claptrap! Morgan Stanley did not take the precautions necessary to protect our accounts. And I dare so the accounts of huge numbers of other people. 

Just last week my beloved wife received an anonymous telephone call inquiring about her Social Security number. She hung up. 

Morgan Stanley knows XXXX well that our Social Security numbers and those of a huge number of people were stolen. 

Morgan Stanley is trying to convince the public that it did everything it could to protect accounts and that all is well. But all is not well as aforementioned! 

Morgan Stanley should be and must be brought to task for this deception, this misrepresentation, and this incompetence! Period! 

But Morgan Stanley is rich and has an army of well paid attorneys and public relations/customer relations/marketing people to pull the wool over our eyes and those of the public! 

Morgan Stanley should be heavily fined!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
I disputed my payment history with XXXX XXXX XXXX since they incorrectly reported two payments as being 30 days late. After Experian refused to correct the payment history, I reached out to XXXX and they stated that they did not show any history of late payments in their records, Experian, however, refuses to fix the payment history on this 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 explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.

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