vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I receive money direct deposit every Friday from my ex husband. I'm just trying to figure out why on holiday weekends, my funds are not posted til Monday or Tuesday. I know it's not on my ex 's end, ( it's his bank ). It's always on time, every other Friday. My ex uses Citizens bank, ( They say it's my bank ). I use XXXXXXXX XXXX XXXX XXXX. My bank says it's Citizens. I'm just wondering if there is anything I can do. I'm on XXXX and live on Fridays money to survive. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES XXXX MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In 2018 I had to take a modification on my Wells Fargo Mortgage. It was a tough time for me and Wells Fargo was also going through a rough time I feel in 2018. I was charged a lo5 of feed and my loan went way up.and my interest rate on my loan went up as well. My credit was really impacted a lot.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit acceptance reported delinquent payment XXXX XXXX on my credit report but sent letter saying I had until XX/XX/XXXX to pay balance. I payed off balance ; I owed {$360.00} and had to pay {$690.00} XXXX XXXX. I have proof as well.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX PM I received an email from JPMorgan Chase Bank offering a {$900.00} bonus for opening a Chase Total Checking + Chase Savings account. 

I clicked on the " Open an account '' button in the email which indicated that the coupon code present in the email would be applied to my account, and proceeded to open both a new checking and savings account. 

I received a confirmation email that my new accounts were opened at XXXX PM on the same day. 

The terms indicated that I needed to complete two tasks : 1 ) transfer {$15000.00} in new money to the savings account within 30 days, and maintain the balance for 90 days from opening, and 2 ) set up direct deposit within 90 days of enrollment. 

For task 1, I transferred money on XX/XX/2023, and am still awaiting the 90 days. 

For task 2, I had my first direct deposit to the checking account on XX/XX/2023. 

On XX/XX/2023 I submitted a secure message to Chase inquiring about the checking portion of the bonus, since it had been about a week since I completed task 2. In my secure message, I asked to confirm if the coupon code was applied to my account. I was told that it wasn't applied, and in a subsequent message that it could not be applied since it was more than 21 days since I opened the account. 

I think this is unfair since the offer email and the account opened email are only two minutes apart, so it is clear that I followed the open account link present in the email. I also think this is unfair because there is no indication whether the coupon code was applied at the time of opening the account, and I couldn't have known it wasn't until Chase failed to pay the bonus well after 21 days when it would be too late for a customer service representative to correct it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a valued customer of Chase Bank since XXXX. However, on XX/XX/XXXX, I received a notification letter stating that my checking accounts and four credit cards would be terminated by XX/XX/XXXX. The letter did not provide any explanation for the account closures. I have always maintained a positive relationship with Chase and have never had any issues such as overdrafts, missed credit card payments, fraudulent activities, international wire transfers, or any other suspicious activities. 

I attempted to contact the number provided in the letter, and I spoke with a manager who informed me that a back-office team had reviewed my accounts but did not disclose the reasons for the closure. This sudden account termination has put me in a difficult financial situation, and I respectfully request that my accounts be reinstated. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I received notice from Aidvantage that my student loan payment will now be over {$800.00}. I was previously paying around {$270.00} prior to the pause. I emailed requesting explanation on XX/XX/21 and received an email saying to expect a response within 2 business days. Its been over 2 weeks and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Once again I was incorrectly charged a {$15.00} fee. This has been an ongoing issues which I have been promised on multiple occasions would be corrected so it does not keep happening. It is shocking to me that you haven't flagged my account with a fee waiver to avoid this from happening on a monthly basis. This has been the single worst customer experience with a bank I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
There are inaccurate reporting on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hatfield, Inc.
State: IL

Complaint narrative:
On XX/XX/, I noticed the credit card company Grid never initiated a payment for my monthly credit card bill after I requested it to be drawn out. I've requested a total number of 6 requests and no money was ever taking out. I reached out to the credit card company on XX/XX/XXXX  and they told me to pay it another way in their system. On XX/XX/XXXX  I did that and I noticed the payment was voided on their end. So on XX/XX/XXXX  I noticed that my credit score decreased XXXX points because they sent late payment information to the credit bureau 's. Today I'm asking if this can be reversed due to a system problem with Grid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I cancelled my XXXX XXXX back in 2020, the company kept billing me for a couple more months despite my account being cancelled and inactive. Reached out to XXXX  who contacted XXXX on my behalf and the account was closed and resolved. I checked my credit report today and it showed that XXXX sent an amount of {$140.00} to collections. Egregious practice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/, I paid American Express account number XXXX, the amount due of XXXX leaving a XXXX balance. On XX/XX/, I received a bill for XXXX for interest on Purchases on XXXX/XXXXXXXX XXXX  XXXX ) and Introductory Purchase Rate Expired XXXX  ( XXXX ). Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Aidvantage does not give an option to put extra payments on principle. They have stated it is not possible to do so in their site. 

This leads to an unhealthy relationship with the individuals student loan and accrued interest. We as citizens should have a right to accurately pay our loans off with due diligence. The provider Aidvantage refusing an option to pay more on principle strips us from that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
When I went to XXXX to open an additional checking account they wouldnt because they claimed that the credit report said I had a closed account somewhere on which I still owed money The credit report from chexsystems does not show any closed account with a owed balance on 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing.

The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My Capital One Venture X card was closed overnight without explanation. I noticed when logging into Capital One that it said This account is Restricted. I called Capital One and they told me my account is in the process of being permanently closed. They refused to provide any information. I have not done anything to violate Capital One policy. They said a letter will be sent to the address on file, but Im not in the United States and therefore can not receive this letter. I was informed my {$390.00} annual fee will be refunded since it has not been 39 days since the fee was charged to my account ( XX/XX/XXXX ), but I did not receive my anniversary XXXX points, I have unused travel credit on capital one travel, and they informed me that they have redeemed my points for XXXX % of the value as statement credit, which I did not agree to. They couldve redeemed as cash back for travel purchases at a minimum since I have plenty of eligible travel purchases. I did some research and can see that this is not an isolated incident. Hundreds if not thousands of people have been the victim of capital one closing their cards without explanation, often just after the card anniversary and payment of annual fee. Before I get emotional and file a claim/arbitration or contact an attorney or investigative news outlet, I want a chance to speak with a member of the executive office of Capital One to confirm if this is a mistake and if my account can be reinstated and if all of the financial damage can be prevented. I find it beyond unreasonable that a credit card company would close a customers account overnight without any notice. I have never made a late payment and have never violated capital one policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
A violation of 18 USC 1028 identity theft has occurred. This company Transworld System XXXX # XXXX is in possession of my name and address. amount {$10000.00} on XXXX The company has no expressed written consent. I issues this company a Cease and Desist.

Company response to consumer: Closed with explanation