vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase checking and savings account package on XX/XX/XXXX and transferred {$15000.00} into the savings account next day. A few days later, Chase closed both accounts and held my fund. In order to release my own money to me again, I was instructed to visit a Chase branch during the pandemic with two forms of identification. 

The whole thing feels like a scam now and the process is just plain ridiculous. Why would a bank open accounts for you and accept your money, only a few days later, claiming they couldn't verify your identity and hold your money? If it's really to protect the customers, why don't you ask for verification before opening the account and why would you ask customers to go to a branch during a pandemic? Not to mention I already have a few Chase credit cards and have been a Chase customer for years - why suddenly my identity becomes a problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX opened services with companyFair Collections & Out about XXXX XXXX XXXX. Had to break lease due to family emergency and move back to Ohio. Contacted Company numerous of times. Balance Currently Shows {$3500.00}. Would love to be forgiven and removed off credit, because of the damage its doing to my credit report. 

On XX/XX/XXXX account from XXXX was closed and charged off with balance showing {$0.00}. Please remove from all credit bureaus, account is in good standings. Cant reach Company On XX/XX/XXXX account for XXXX XXXX Was opened and closed with a balance of {$110.00}. Had to leave on emergency to go back to ohio. Please forgive and remove from credit On XX/XX/XXXX account for XXXX XXXX was Opened, account is in good standing and paid off and updated on XX/XX/XXXX. No longer have credit card or access to it. PLease remove account from credit please

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I spoke with a rep with XXXX XXXX XXXX XXXXg today, XX/XX/XXXX, regarding a check issued to me from Capital One which was fraudulently cashed.. The rep stated Capital One should have provided a fraud affidavit which they did not and have not investigated signature which was requested numerous times in the past. The check in question is from a closed 360 checking account in the amount of {$4200.00}, intercepted and forged while I was on vacation on or around XX/XX/XXXX. I've provided proof of whereabouts at time of check interception and cashing as well as check copies showing forged signature, Capital One rep by the name of XXXX will not investigate. Numerous complaints filed in re since XXXX of XXXX, unresolved, Capital One rep ( s ) will not reissue check for funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: PA

Complaint narrative:
I have been trying to dispute a school loan from the PA department of education in the amount of {$9500.00} for almost two months now through EQUIFAX. There was a lawsuit with my school and I have documentation supporting that it should have never affected my credit in anyway and I still have been marked for late payments, and it still says that I owe that remaining balance. I have filed multiple online disputes through EQUIFAX BETWEEN XX/XX/XXXX and XX/XX/XXXX. I have called them and filed multiple disputes, including two or three disputes that my address is incorrect. They claim to have fixed my address and it is only the street name with no numbers! I mailed all of my information including social security information, along with my ID as requested, and they said it got lost. I faxed them over my information and they still say they have not received anything!! Every time I call I get disconnected, or they say they cant get into my account! Ive filed multiple complaints and talked to a manager who did not have anything to say to me about the matter. For a company that are holders of millions of peoples social security numbers and confidential information, they dont seem like they know what they are doing! I also have a hard inquiry for XXXX because I had them for one day and the equipment did not work. I tried to apply for a credit card and was denied due to this loan still on my report that should not even be there, and my score went down 17 points because of it. That is not my fault. The incompetence that EQUIFAX shows in performance as a company is absurd! Someone needs to investigate the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Thiis installment loan was for the purchase of an HVAC in XXXX. My wife and I are borrower and coborrower on the account. In XXXX she alone filed for bankruptcy and the statements were no longer sent to her. Instead of send them to me as the coborrower they did not send any at all. They have put a 90 day late/charge off on the account, though they listed 30 day late in XXXX, no data on the credit report for XXXX. Theyve listed the account as charged off, but we have a letter stating the account is paid in full and they agreed to settle. The credit report also states the original balance was {$14000.00} and written off was {$14000.00}, but again we have a letter stating the account was paid in full..so there is no charge off. We also have payment history and receipt of the final payment of {$7000.00} on XXXX XXXX. So, clearly the information is incorrect. They did not report this payment, and just reported this account as closed. We have disputed this several times, but it has yet to be corrected. We need the charge off to be removed completely from 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 XXXX/XXXX went with a unauthorized hard inquiry on my credit report. I reached out via certfied mail and got no 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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NM

Complaint narrative:
I have a business XXXX account when I received the XXXX card in the mail I called to get it activated and the customer service rep told me that I needed to provide proof of my Identity. So I sent a picture of my driver license and a picture of my social security card as well as a copy of my voters registration card and mail with my name and address on it. I called the pay pal customer service back to make sure they received it and they said that it could take up to six hours before they could do anything about activating my card. So I waited till the following day and called the number to activate my card the system said the card was not recognized and I was transferred back to customer service and that's when the customer service rep told me that they had cancelled my card because they could not verify my identity. Which made no sense to me after all the documentation I had supplied them the day before. and when I asked to talk to someone else higher up the lady would not give me a number or transfer my call she just kept on saying it is our right to refuse to activate cards if identity can not be verified.

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 2020-10-13 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a debt on my credit file that is not mine. They are reporting a hospital visit dated for a time where I was not able to be there. At the time of said visit I was actually incrassated, while I was incrassated someone stole my identity and used it for this medical visit. I have filed a police report, # XXXX with the XXXX police department. This is not my debt, I do not owe this debt, and I demand this debt be removed from my credit file. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Nelnet, Inc.
State: WA

Complaint narrative:
My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I originally received the notification from the clerk of courts and set up monthly payments. My bank account information changed and my address, so I called the company to update all my information. They mailed me a form to complete and I mailed the form back into them. Several months later my employers notified me that my wages would garnished from the company but I was never notified in between. When I reached out to the company, they informed that they had mailed items to me informing me but they said I didn't call to update my address and back information. Someone else I spoke to found the phone call with the update address and back information. I tried to set up payments instead of the wage garnishment since they were confused if I had called about my back information changing and my address changing but they refused saying I should have called them sooner about the setting up payment. I ended up refinancing a car so that I could pay the amount off completely. I made the payment and now they are refusing to mail, fax, or email my employer to stop the garnishment. They said my employer will have to wait for the court document. The court does not send another document to my employer. In order to reach Levy and Associates I had to call over 13 times within a 1 hour period, I was hung up on 8 of those times. They have refused to give me a confirmation number for my payment in full and have refused to provide anything to my employer to stop the garnishment. When I ask to speak to a manager, they tell me no or the manager, XXXX XXXX will tell me he has emailed my employer which is not true. He has told me several times that my employer just isn't checking their email, which in fact my employer is waiting patiently to stop the garnishment and help me with the situation. The email has been sent by the company. Waiting on hold for hours and then hung up on over and over again is frustrating. I never received an correspondence in the mail after the initial contact. I have been willing to work with the company but they have made it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America still reported account reported opened fraudulent in my name trying too many time Talk and never remover 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 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is a US Bank Visa debit card. I'm forced to use it to collect unemployment in the state of Pennsylvania. My card was frozen by the bank unknowingly. I contacted bank once I realized I couldn't move funds into my normal checking account. Operator said it was because they needed me to verify who I am. I sent selfie and copy of my state ID. I also uploaded my social security card and bank statement to my account. I was told all last week that this process would take 24-48 hours and account would be active again. It's now a new week and my account is still frozen. I spoke to two operators yesterday who claim that the issue has been lifted but the second operator said for some reason he is unable to make my card work again. More waiting and being told to give it another week and keep checking my account and if it's not lifted by next week to call back. My money is being held and each operator just lies and says " wait more days ''. It had gone from 24-48 hours to now check back next week. This is unethical. I have bills to pay and this " bank '' is just saying whatever they want to get you off the phone. Long wait times ( 1-2 hours ) to speak to someone. Sometimes while on hold for over an hour they disconnect the call. Once you do get through its a game of telling you lies to get you off the phone. No one has any ability to do anything for you. 

This all started on XX/XX/XXXX. Amount in account is {$280.00} with another {$210.00} being deposited tomorrow. I'm reading online reviews from others that they are dealing with the same situation for 30-45 days. I do not have a month worth of time to not have access to my money. The information they requested was sent. I did my part but they are purposely not doing they part. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
Experian : On XX/XX/2020 dispute/investigation started for account # XXXX - On XX/XX/2020 Experian deleted/removed account # XXXX from my credit file. XX/XX/2020 Experian opened another dispute/investigation for account # XXXX - Within hours after opening that dispute/investigation. I received a notification that the result of that dispute was available. Dispute Result ( Deleted ) - hours after that - on the same day ( XX/XX/2020 ) I checked my credit report and noticed that the result of that dispute has changed from Deleted to Updated. Experian deleted/removed the account from the XX/XX/2020 dispute/investigation on XX/XX/2020 - On XX/XX/2020 another dispute/investigation opened - within hours on XX/XX/2020 there was a result ( Deleted ) within hours after ... result changed from deleted to updated. All on the same day - within hours. -- -- -- -- -- -- For the record*

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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The company sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX. 

I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage. 

I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In a letter datedXX/XX/2020 and received by me on XX/XX/2020 : PHH Mortgage informed me they had received notice from " our tax service '', that property taxes were past due on my property  at XXXX XXXX XXXX, XXXX, TX XXXX. The letter had no postmark or any way to verify when they mailed it.

Since I pay my taxes myself, I know they have been paid. So I immediately requested a copy of whatever communication they had that indicated the taxes were overdue.

I immediately got a thorough run-a-round. First they had the letter, they when I wanted a copy, they thought maybe they saw it on a web site. When I asked what web site, no one could tell me. When I asked how they verified the taxes were past due, no one had an answer. PHH Morgage has been trying for years to get me to set up an
escrow account, which I have refused. Since I pay the taxes myself on a timely basis, PHH Mortgage has no need for an escrow account! Unless PHH Mortgage makes money using the escrow money before it is needed, why are they so adamant about having an escrow account? 
I am XXXX and consider this constant harassment a threat to my health. Maybe you can do something about it? Thanks for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX and Equifax continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, XXXX  and Equifax still only list my former legal name. This makes it difficult, if  not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements.

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed XXXX, Equifax, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. XXXX  refused to acknowledge my requests at all. Equifax mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.

Company response to consumer: Closed with explanation