vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, Chase Bank sent me a letter responding to my previous dispute of eight transactions totaling {$15000.00} in fraudulent charges on my credit accounts. The letter does not address any of the points I made in my complaint dated XX/XX/XXXX. Both letters are attached. 

The letter claims that on XX/XX/XXXX, I told an employee of Chase Bank that these charges " were valid but [ I ] wanted to dispute them. '' This is in no way accurate, as I have never indicated that these charges are or could possibly be valid ( as I mentioned in my original complaint to Chase ). 

The letter also states that signed receipts and sales slips from the merchant were made available to me by Chase in a letter dated XX/XX/XXXX, but in fact, this letter includes receipts for only two of the eight transactions that I am disputing. I was not able to access this letter until two months after it was posted, as all of the several Chase employees I had spoken to by phone indicated that I should expect to receive a response to my complaint via USPS, and none of them mentioned that I should look for a response on the companys website. In XX/XX/XXXX an employee finally informed me that this document was available online ; I reviewed the document, and on XX/XX/XXXX I provided additional documentation. In their letter dated XX/XX/XXXX, Chase Bank reports that they closed the disputes because I did not respond when they reached out for more information via the secure portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I previously stated, no one at Chase Bank had made me aware that there had been any response or any request for additional information until XX/XX/XXXX. 

Additionally, in their response to my previous CFPB complaint, Chase states, We attempted to reach you by phone on XX/XX/XXXX, at XXXX, to acknowledge receipt of your inquiry. The phone number was disconnected. This is completely false. Please see attached statements from my cell phone provider proving active and current service from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient Removed me from the Income Driven Repayment Program ( " IDR '' ), Without notice or full disclosure as to why, While I am disable. Then reported that I was delinquent on repayment 120 days. I contacted Navient, they said It was reporting that way because I failed to renew or re-certify for the IDR program. I provided all the Emails and facts proven that I was never given notice or full disclosure as to any failed payments or that the IDR had expired nor that it was time to re-certify. 

I was placed on hold, then a representative named XXXX returned to my call admitting that she couldn't find anything explaining why the contact status was changed ; and that she didn't see where I had ever requested that my previous means of contact that I provided, be changed. Then she went on to inform me '' but it was changed from email and phone to contact by mail ( Letter in the Mail ) ; and I don't know how. '' I sent numerous written request as directed to the credit reporting division, at Navient, for the information on my credit report be corrected and that the false, incorrect and inaccurate misinformation be removed. Still over 1 year later the information is showing on my credit report making me financially indigent. Moreover, the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash curtis and associat. 
XX/XX/2017. 
{$350.00}. 

Rash Curtis and associates. 
XX/XX/2017. 
{$200.00}. 

This debt has been paid by the insurance company at XXXX XXXX XXXX. 
This is an invalid claim. 

I've contacted rash Curtis and Associates and asked them to physical email copies of these bills and they refused. They only offered to email copies of the bills. I will not divulge my email to a harassing credit agency like this. I want these removed from my credit report it immediately until we can go to court and get this harassment stopped once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/19 I tried to set up a credit report freeze with Experian through their website. After providing personal information they had several security questions to answer and based on each question I answered them. When I submitted the answers it locked me out and I could not proceed to freeze my credit report. 
I attempted to call their phone number for Contact Us and after trying no less that 15 times each after entering automated options the call would end with a thank you and I could not speak with a real person in customer assistance. 
I tried every number listed just to try and speak with someone to unlock my access so that I could create an account to freeze and unfreeze my account as needed. 
They seem to make it EXTREMELY DIFFICULT to contact them which is unacceptable.

I even tried to set up a free account and it it only gave me an option for a paid account. 
This is unacceptable and your agency should be aware and investigate because I am sure that there are a lot of other consumers that are facing the same issue.

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 2019-07-22 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have reached out to the department of Education and Navient to removed these items from my credit report last week and today XX/XX/2019. I even reached out to the credit report to get them removed XX/XX/2019. The issue is that my student loans are now with XXXX XXXX a collection ageny that I make monthly payments to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: J & B Endeavors, LLC
State: OH

Complaint narrative:
I was contacted by phone by a company by the name of Student Loan Movement. 
I spoke with a person by the name of XXXX XXXX. This service was to consolidate both of my student loans with XXXX and with XXXX. I provided him with my employment pay stubs and my banking information. The net two weeks after, XXXX contacted me letting me know that my student loan amount was due soon. I explained to them that I was paying my money to this company and it was going to be coming out of my bank. And XXXX or XXXX have never heard of this company before. Neither has the US Department of Education ever heard of them. When I called the company back in which I XXXX them and got the number. I never was connected with XXXX XXXX but I did speak to a lady name XXXX XXXX. And she told me that they deal with XXXX all the time. The email me an agreement in which I signed electronically and they already started to take the money out of my account starting Monday XX/XX/2019. I also, spoke to a XXXX XXXX at this company and he told me they are legimate but yet he ask me for my pay stubs a second time. I have a Client ID : XXXX. Please HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with XXXX XXXX and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with XXXX XXXX. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted Transunion, XXXX and TransUnion about this but nothing is being done. 

I have spoken to the fraud department at XXXX XXXX and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA

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 2019-07-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with Barclays Bank and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with Barclays Bank. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted XXXX, XXXX and XXXX about this but nothing is being done. 

I have spoken to the fraud department at Barclays Bank and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

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 2019-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I was declared 100 % permanently and totally XXXX by the Veterans Administration. On XXXX XX/XX/XXXX I was exempted from any property taxes on my homestead ( my home ) in XXXX County, Texas. Texas gives a 100 % exemption to 100 % permanent and totally XXXX veterans. 


Flagstar Bank holds the mortgage to my home. They advised they would not reduce my escrow payments because I will owe money for taxes in XXXX. I understand that and they will refund any excess. They will not reduce my escrow payment for XXXX until they get a tax bill showing a XXXX balance which won't be until XXXX of XXXX when tax bills go out for that year. They will then reduce my mortgage escrow payment in XXXX, XXXX. 

Letter from XXXX exempts me from property taxes Jun of 2019. Flagstar won't remove escrow from my mortgage until XX/XX/XXXX. I will have paid 18 months into my tax escrow account that I do not owe by then. This is ridiculous. I know other mortgage companies reduce escrow payments immediately upon notification of property tax exemption.

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 2019-07-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
I WAS CALLED BY THE HR DEPARTMENT OF THE COMPANY I WORK FOR AND THEY TOLD ME THAT A WOMAN NAMED XXXX XXXX WAS LOOKING FOR ME, AND GAVE ME A NUMBER TO CONTACT HER AT. I CALLED THE NUMBER AND FOUND OUT SHE WAS A DEBT COLLECTOR FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A balance transfer was done on XX/XX/2019 from XXXXXXXX XXXX  XXXX to Citibank Line of Credit. 
The transaction went through without a problem. After several weeks funds were never deposited to Citibank Line of Credit. A call was made to Citibank as an inquiry about the transfer. Citibank informed us they do not accept balance transfers. At that time, XXXX XXXX XXXX was contacted with the request the transaction be cancelled and funds returned to credit card. An investigation was done by XXXX XXXX and we were informed on XX/XX/2019 that Citibank had cashed the check # XXXX in the amount {$850.00}. We then contacted Citibank that same day with the information XXXX Bank provided us. After our phone conversation with Citibank, XXXX XXXX, the funds of {$850.00} were deposited in our Citibank checking plus overdraft account the next day. No one had any explanation as to who had the check or why was it deposited in the Citibank checking plus account overdraft. 
Upon using the money for bills the following day, Citibank reduced the checking plus overdraft funds by {$1300.00} thereby taking back about {$100.00} of the funds made available with the transfer check that was cashed to that 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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have a reported debt on my credit that originated from XXXX XXXX XXXX ( XXXX XXXX ) I had moved out due to numerous floods in my bathroom and kitchen and other maintenance issues resulting in heavy damages. in almost 2 years I had over forty documented maintenance request. The grounds had also become extremely unsafe which resulted me in trying to defend myself. Despite numerous request to transfer units being denied by the office we moved.Shortly after a shoot out ensued making the news. I have encountered many different alleged balances to which I have tried to resolve with the apartments themselves who referred me to their corporate office. I have called the corporate office requesting a call back to discuss the matter hundreds of times and no follow up. I have requested the collections agency to validate this debt for me and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NC

Complaint narrative:
Equifax failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX  ).

According to Disclosures to consumers [ 15 U.S.C. 1681g Equifax is in violation of said section.

If they can't produce any/all evidence of collection agency, they must remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Yamaha Motor Finance Corporation USA
State: MN

Complaint narrative:
My wife and I recently purchased a 2019 XXXX XXXX from a local dealer. We filled out the load application and submitted the paperwork to XXXX XXXX out of XXXX, NE, only to find out we weren't eligible for the sales promotion rate of 4.99 %. They said the best they could do was 21 % which we immediately said 'No ' and told them we'll just go buy a different manufacturers product. Within 15 minutes they came back with a rate of 7.99 %. After about 2 hours of going back and forth even trying to explain how to read a credit report we just signed for the 7.99 %. They claimed we had a lien filed against our property. 
We called our mortgage banker at the same time who told us that was the name of the initial loan company. Our mortgage banker told us to tell Yamaha that they need to learn how to read a credit report. Specifically when a loan says, 'satisfied '. My wife and I both have over 750+ credit score. I feel this was fraudulent activity on behalf of Yamaha. I don't think the promotion was real.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
I have a primary residence loan with Suntrust Mortgage that originated in XXXX of 2015. In XXXX of 2015 I made an advance principal payment of {$70000.00}. 

Suntrust never recalculated my monthly payment nor my maturity date. 

Every time I call, the customer service representative acknowledges that there is a clear problem and transfers me to a supervisor. 


The supervisor then refuses to change the maturity date or monthly payment. Only offers to supply me with the amortization schedule. The amortization schedule reflects no change in my maturity date or monthly payment. 


In essence, Suntrust took {$70000.00} from me and refuses to make any changes to my account as a result. 


They are clearly acting in bad faith : hanging up on me, refusing to provide direct answers to my questions and failed promises to provide me with requested paperwork. 


Attached you can see my bank statement proving my {$70000.00} payment was received. Other statements attached show that my payments and amortization have not changed.

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