vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$33000.00} into a Chase Bank account on or about XX/XX/XXXX. The account had had {$4000.00} in it for at least 10 months prior. Chase shortly ( within a day ) thereafter sent me a letter indicated my account would be closed and funds would be returned to me. I received a letter on or about XX/XX/XXXX, including a check dated XX/XX/XXXX, in the amount of {$4000.00}. I contacted Chase at the number listed with the check ( XXXX ) and, after arguing up to a manager, was told that Chase would call me back within 24-48 to clear the funds. No one called. On XX/XX/XXXX, I contacted Chase 's executive office ( XXXX, speaking with XXXX ) and explained that I had not received my funds and had not been given a reason why the funds were not returned. XXXX opened a case with the executive office and " made the case urgent. '' I was told that someone would contact me within 24-48 hours. No one called. On XX/XX/XXXX, I contacted Chase 's executive office again ( XXXX, speaking with XXXX  ) and was told that I would receive a response by the next morning ( today ) between the hours of XXXX and XXXX  pacific time. Still, no one has called.

There has been literally one transaction on this account in the last ten months -- a deposit of {$33000.00}. Chase closed my account for no reason given and is holding my funds, again, with no reason given. I have been repeatedly lied to about their response to my complaints, even to their executive office. Additionally, I have spoken with the check maker who informed me that the funds cleared his account on XX/XX/XXXX -- an entire month ago. Chase bank is in violation of Regulation CC and, if funds are not returned immediately, will be facing penalties at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
So I have read you story on CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. On XX/XX/XXXX I had a Disbursement of {$6700.00} I have taken forbearance a few times as I could not make the payments. Never was I told about income reduced payments. They set me on a payment system where I started out with smaller payments for months then ramp it up for some months then ramp it again. Only problem from XX/XX/XXXX thru XX/XX/XXXX I was only pay interest. From then toXX/XX/XXXX I started paying a little more but most months only {$10.00} was going to balance. As of today I still owe them {$2100.00} at 7.750 %. Sad as I was not told I would only start out paying just interest for years. As of date I have paid them {$10000.00}. and will pay the loan off inXX/XX/XXXX SO when done I will have paid back twice the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: FL

Complaint narrative:
Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2018-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced

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 2018-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
An account closed by credit grantor is still showing on my XXXX report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barrclay 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
I DO NOT HAVE AN ACCOUNT WITH AFNI. I AM NOT LIABLE FOR THIS DEBT FROM XXXX XXXX XXXX. I AM NOT RESPONSIBLE FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Northstar Management, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX original loan XXXX, on XX/XX/XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX ,XXXX, XX/XX/XXXX XXXX,XXXX,XXXX, and two recites showing different amounts owed.and everytime you call, or go there asking question pertaining to your account there rude, have attitudes, or make you uncomfortable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 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: LA

Complaint narrative:
Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!

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 2018-04-19 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: NJ

Complaint narrative:
I was out of country between XX/XX/XXXX and XX/XX/XXXX.

My credit card started being charged for fraud charges and I reported these charges to chase. I advised chase that I am in XXXX and I have not many any transactions while here.

Chase at first credited my account then 2 weeks ago took back the credit stating they think the charges are valid. I have filed a police report and have done everything on my end to prove that Noone on my account made any charges we were in India for the past 4 months.

I have attached a copy of the police report and want chase to credit my account back for the fraud charges and the interest incurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MIDFIRST BANK
State: PA

Complaint narrative:
I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.

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 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/XXXXas soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0

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 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX as soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0

Company response to consumer: Closed with explanation