vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: UMB FINANCIAL CORPORATION
State: NE

Complaint narrative:
My YSA Flexible Spending card was stolen on XX/XX/XXXX. I didn't realize it was stolen until about a week later. I called and requested a new card, and the agent did not go over the transactions pending on the account, so I had no idea there was an unauthorized charge. The charge was done on XX/XX/XXXX for {$8.00} at XXXX XXXX XXXX , XXXX, FL. ( Yes, the charge is at a key-making kiosk ... pretty sure their MCC code has nothing to do with medical services or products, so it should have never been approved in the first place. ) On XX/XX/XXXX, I noticed I'd received a notice to provide documentation for a pending claim from YSA. On that day, I provided the first notice ( attached as Flex Card Stolen.pdf ) that the card in question was unauthorized. Per Regulation E, YSA had 10 business days from that date to provide provisional credit and begin their investigation. I then received another notice on XX/XX/XXXX that the information provided was insufficient and I needed to provide receipts and documentation to prove the eligibility of the charge. At that time I contacted the company via phone and made another claim of fraud. They claimed I needed to fill out a form ; however, on the form they said I needed to fill it, it clearly states that instead of the form, I can provide them with a written explanation of the nature of my dispute. As such, I again provided a more detailed notice on that date ( XX/XX/XXXX ) detailing the unauthorized nature of the transaction. I have again received the same vague notice on XX/XX/XXXX that more information is required. As such, I have filled out their form and uploaded it to the site. Since the transaction is unauthorized, there is no other information I can provide. I find this process to be unnecessarily burdensome ( quite frankly ridiculous, just like every interaction with Your Spending Account ) and in violation of my rights under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On Tuesday, XX/XX/2019 I received a voicemail stating that there was an attempt to by a county processor to deliver court documentation and it was a failed attempted so in order to avoid legal obligations I need to contact them. That legal action will be taken. I did call them and I was told that we could settle if I were to pay {$670.00}, which is {$410.00} more than the original debt that is owed to Victoria Secret due to penalty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with Capital One. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing XXXX XXXX. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to XXXX XXXX, When I called Capital one the told me to contact XXXX XXXX. When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to XXXX XXXX and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. Capital one said they don't have the account, XXXX XXXX says they do not have the account so now it's on XXXX XXXX. 

Please clear my name from my deceased husband 's account from Capitol One. Acct # ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: CA

Complaint narrative:
I paid of XXXX. I payed more than this amount this need to be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Opened a savings account on XX/XX/XXXX with a promotion to get {$200.00} if I deposit {$15000.00} and keep it in the account for 90 days. I was also to get an additional {$100.00} for meeting both the savings and checking bonus. I have been credited already for the checking bonus of {$300.00}. My money was deposited on XX/XX/XXXX and I should have received my {$300.00} ( XXXX ) 90 days later. I keep getting the run around on why it has not appeared in my account. I am getting told that it was never initially applied even though I have screenshots saying it was and have screenshots of the promotion. I am told that I have to wait another few months before the 90 days is up to receive my promotion. Keeps getting bounced around to agents who don't seem to understand what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
After an eventful year, filled with moving to a new state after having our XXXX  child, buying a new home, having my identity stolen and going through an unexpected family loss. My husband and I had been working hard to bring our credit utilization down so that we could improve our overall credit score and refinance our home/other debts to take advantage of the lower interest rates. Our plans were completely halted, when less than 2 weeks after completely paying down the balance of two of my Chase Credit cards ( I paid {$4500.00} on the Chase XXXX card on XX/XX/19 and {$3500.00} on my Southwest Rewards Chase card XX/XX/19 ) my limit was decreased to {$500.00} on both cards ( that is a difference of nearly {$7500.00} dollars ). When I called Chase to ask why my credit limit had been decreased so drastically, I was told it was due to a couple of late payments and credit utilization being high. I explained the situation of the crazy year we've had and asked that since we clearly were making strides in paying down our debts, if they d consider re-evaluating my limit to take into account my overall credit history, as appose to the this one transitional point in our lives. Their reply was that although the " periodic '' credit check was clearly at a bad time, given the significant payments made, they couldn't reverse the decrease without re-running my credit, which come to think of it now, wouldn't do much good given the damage they've already caused by lowering my limit so drastically. Also I explained that due to my identity being stolen, Id frozen all of my accounts w/all the credit reporting agencies. So in order for them to re-run my credit history, I'd need to unfreeze all of my accounts and pray that the person who stole my identity doesn't try opening a new account, as they review the same credit history they saw a month ago. Not to mention that my credit score takes another hit. Overall this was an incredibly punitive process for what I think they ( ironically ) called a " valued long standing Chase card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Loan Science, LLC
State: WI

Complaint narrative:
I have been in the process of applying for forbearance with XXXX  who holds my private loan with XXXX XXXX XXXX since XXXX of XXXX. Payments began to accumulate due to a paperwork error and I began to be reached out to by Loan Science, the debt collector. I have continued to work with XXXX  as well as Loan Science to amend the error and have since been stuck in the review process on the XXXX side. Since XXXX I and my mother, a consigned, have had continued multiple phone calls almost daily despite having had two conference calls with XXXX and Loan Science regarding the matter. Today XX/XX/XXXX I had received yet another call at XXXX, this time including a voicemail from Loan Science stating to call to return their call as they have good news. I return their call and I am then informed that my request for forbearance had been denied by XXXX. I had informed them that I had been checking daily and was not informed of such a decision. The woman I spoke with insisted that I had been denied and that I should apply for a payment plan. Following the phone call I contacted XXXX to confirm Loan Sciences claim. XXXX  informed me that my forbearance request was still in review and that no such decision had yet been made. Loan Science has consistently harassed both my mother and I despite being asked to no longer be contacted by my mother and my consistent attempts to keep them updated with XXXX. In addition they have continued to attempt to deceive myself and my mother with claiming previous voicemails that were never left as well as claiming forbearance was denied by XXXX when it is not the case. I have been contacted on the following dates. 

XX/XX/XXXX - 1 time XX/XX/XXXX -4 times XX/XX/XXXX - 2 times XX/XX/XXXX - 1 time XX/XX/XXXX - 2 times XX/XX/XXXX XXXX4 times XX/XX/XXXX - 2 times XX/XX/XXXX 2 times Calls maintain this level of frequency with both myself and my consigner to the end of XXXX beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am dire straits due to the excessive returned fees on my account. I have over 15 {$29.00} charges on my account. I am trying to get my account out of the red and then I have another return fee. The bank has only returned 2 fees, which is no help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent {$2000.00} to my friend on XX/XX/19. My account was locked on XX/XX/19, stating suspicious activity in the account. I contacted Chase Customer Service on XX/XX/19 and I was told that they could do nothing over the phone and that I could walk into any branch and show 2 forms of identification to unlock the account. 

I went to the Chase XXXX XXXX branch on XX/XX/19, where they verified my 2 forms of identification and the name of my friend to whom I sent the money. I was told that my account was locked to ensure the money was sent to the correct person. The Chase branch banker called up Customer Care to notify that I showed them the 2 forms of ID and to unlock the account, but Customer Care said my friend 's name was not the name in the receiving bank account and that they think my account is compromised and my account can not be unlocked. My funds are now frozen and they refuse to close my account. 

I was told by the branch manager that I would not be able to open a new account with Chase and that I should come back in 2 days, for them to call Customer Care again to see if my funds could possibly be released and my account can be closed. 

The people at the branch were very understanding and apologetic about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
My most recent payment of {$9500.00} on XX/XX/2019 and my Upstart loan has been settled in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their  part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal does not disclose the amount of transfer fees or time it takes for funds to transfer prior to the customer selecting the transfer option. 
I was charged to send money and it took 7 days for the funds to transfer and was not advised of the fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Received a bill from a company I did not do business with and not sure how to respond. No action taken yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
My most recent payment of {$9500.00} on XX/XX/2019 and my XXXX loan has been settled in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
My most recent payment of {$9500.00} on XX/XX/2019 and my XXXX loan has been settled in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: VA

Complaint narrative:
I sent Equifax several letter disputing inaccurate, inconsistent, and/or unverifiable accounts on my credit report. Each time Equifax would reply that the investigation is complete and the account was verified as accurate although in each letter I asked they provide me with proof a proper investigation was done and documentations that the proper procedures were made and information on who they verified the information with. Equifax has failed to supply me with the information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a joint account that was opened with my brother two years ago. Checks were deposited as third party checks from XXXX and they decided to infinitely restrict the account. My funds have been inaccessible for two years. Capital One has been contacted by my brother numerous times about this issue. Unfortunately, they still do not want to help close the account and send the funds anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: CORELOGIC INC
State: OH

Complaint narrative:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: LEXISNEXIS
State: OH

Complaint narrative:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX

Company response to consumer: Closed with explanation