vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, we bought a laptop for {$2400.00}, upon receiving it, we found it to be defective, the speaker does not work, battery does not hold a charge, so we returned it back to XXXX. XXXX received it, and weeks went by, no response from XXXX, so we placed a dispute with Chase. XXXX responded back, saying we returned the wrong item, we disputed this with a picture of the product we returned. We believe Chase 's decision in this case was unfair, we returned the correct product, and now have nothing, and is being forced to pay for the laptop even though we do not have the laptop anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor 11 XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/2019 Date Reported XX/XX/2019 Remarks Placed for collection Transunion not letting me dispute on line

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to request your assistance with receiving documentation of resolution of fraudulent charges that were made to my Citibank XXXX XXXX Master Card Account. Last fall, I received a notice that {$30000.00} in charges were made to my credit card account.This is a credit card that I have not used in several years and I never made these transactions and never received any bills for any of the transactions in question. 

I was advised by Citbank customer service that an investigation would be conducted and that I would receive an update when the investigation was completed. During the past 6 months, I have continuously received notifications that I have been sent to collections to make arrangements for payments. Over the past 2 months, I have called Citibank customer service and I have been told that the case was resolved and that I would be receiving a notice from Citibank to verify the completion of the investigation and to confirm that I am not responsible for any of the charges incurred and that collections agencies have been notified. 

During each call, I have been told that I would be receiving this notification within a week. I understand that you have a large volume of fraudulent cases. However, I am frustrated that I have not received a single letter, call, or email from Citibank to advise me of the status or the resolution of the investigation. I am deeply concerned that my credit rating has been compromised as a result of this fraudulent activity. 

I simply am asking for an official letter or email to verify that the investigation is completed and that I am not responsible for the charges and that my credit is in tact. I am a responsible consumer and am frustrated about the amount of times that I have had to call to inquire about this without any resolution. 

Can you please help to rectify this situation? If you have any questions, you can call me at XXXX. 

Thank you for your attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2019-04-26 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: FL

Complaint narrative:
Another name is showing up on my credit report. Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: PA

Complaint narrative:
I received two hard credit inquiries on my TransUnion credit report from XXXX. The first was on XX/XX/2019 and the second on XX/XX/2019. I did not apply for anything from XXXX, so this was fraud. 

I attempted to contact XXXX XXXX times. The first time, they said they couldn't do anything and to contact TransUnion. 

Today, I called and they found an account setup under my name. However, they still would not help me get these incorrect credit inquiries removed.

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 2019-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to CitiBank for a XXXX XXXX XXXX. The letter of denial is 100 % lies or incorrect information. They say XXXX  is saying all that ; however, XXXX and XXXX  don't have a direct person that can help me. I also have a XXXX CitiBank Visa. I have 100 % payments on time record. My score with Equifax is XXXX! 
CitiBank is falsely saying : XXXX. I have filed a bankruptcy, I NEVER HAD! 
2. CitiBank says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards.

3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. CitiBank says the information is based on XXXX XXXX XXXX 2002, XXXX, TX XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, XXXX XXXX XXXX. And when I requested a report, XXXX told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but XXXX never sent the email I gave them 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 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In earlyXX/XX/2019 I attempted to open a chase checking account with the intent of taking advantage of the {$200.00} sign on bonus. I started to apply online but shortly into it there was an issue identifying me so it said i would have to apply in person. I did so on XX/XX/XXXX and then set up direct deposit the following week. According to the front page of the chase website, that is all that is required to earn the bonus. 
Quote : " To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 10 business days. '' As of XX/XX/XXXX the funds were not deposited so we called the branch as well as chase support. They all stated that nothing could be done since we did not have a 'coupon ' ; of which the requirements above nor the bank teller made any mention of when opening the account. If there are more requirements to receive the bonus then they need to be plainly mentioned. As it stands the paragraph on the front of the chase website is fraudulent and false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
My account is already closed and I would like it removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: CA

Complaint narrative:
I applied to XXXX for a XXXX XXXX Mastercard. The letter of denial is 100 % lies or incorrect information. They say Experian is saying all that ; however, XXXX and Experian don't have a direct person that can help me. I also have a XXXX XXXX Visa. I have 100 % payments on time record. My score with XXXX is XXXX! 
XXXX is falsely saying : 1. I have filed a bankruptcy, I NEVER HAD! 
2. XXXX says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards. 
3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. XXXX says the information is based on Experian XXXX XXXX XXXX, XXXX, TX XXXX-XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, CEO XXXX XXXX. And when I requested a report, Experian told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but Experian never sent the email I gave them 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 non-monetary relief
Consumer complaint received 2019-04-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.

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 2019-04-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
on XX/XX/2019, I deposited 4 money orders into my account that I purchased, that were not used for the intended purposes. The total was {$1000.00} ; one for {$13.00}, one for {$12.00}, and two for {$500.00} each. On XX/XX/2019, my account was frozen. I called to see why, and they told me that the money orders were suspicious & altered. While I did make these money orders out to my former apartments, they did not accept them and returned them to me ( providing a dated letter stating that they did so ), and they did not endorse them. I crossed out the " pay to the order of '' line and wrote my name beside that. I then endorsed the money orders and deposited them. I saved my receipts, so once informed of the issue, I provided the receipts along with the letters from the apartment community to my bank as they requested. They said once they got receipts, they would be able to unfreeze my account. They did not. I am still having the same issue as of XX/XX/XXXX. I need these funds as I've accepted a promotion in XXXX, and have bills that need to be paid. This is the 10th business day, and I spoke with a customer service rep and supervisor in the call center today that said as of now, they don't have a resolve date for me. They are requesting a new letter from my apartments that I am unable to get, as I'm currently in a legal dispute with them and we're only speaking through lawyers. I don't feel that the proof of burden is on me in this situation, as they are the ones who have decided to freeze the account and I have been their customer with no issue for over a year.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have two accounts with Capital one XXXX The other account is XXXX These accounts are old and I would like to have them removed. I would like them removed from my credit reports ( all reporting bureaus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Property inspection fees. unverified Did not request any inspectors or met any inspectors in relation with this group Recent statement has 7 inspection fees {$14.00}. each, total {$98.00} for month of XX/XX/2019 prior issue with this mortgage service provider for {$160.00} of same issue. 
attached photos of account concern.

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 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
My loans with Navient increase periodically, and I am making payments timely and in amounts greater than the minimum payment. I have spoken with them and they claim that this is from compounded interest. I explained that there should not be any compounded interest on these loans as I have not missed any payments. Originally the dates they said that they compounded my interest were dates I was attending college full time. I told them that and asked if I sent them proof, could they reverse it. They told me no. I GAVE UP! Then I got my most recent bill and it appears that my balance has gone up slightly again. I have not missed a payment and again I am paying amounts greater than my minimum payments each month. How is this legal? At this rate I will never get these paid off! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/19 demanded that i call today with a lawyer, or else they make a decision for me. This is not the first time this has happened. XXXX Bank leaves out information in hopes of getting money. You could owe a more reasonable amount but theyll tell you the unaffordable amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices.

1. I never received a notification within 30 days of this reporting on my credit report.

2. When I requested validation of debt, they sent me paperwork with someone else 's name on it.

3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate.

4. The collection failed to prove that they own the claimed debt.

5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten.

6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Someone using the email XXXX has opened a XXXX  account whatever that is we dont have that in the XXXX. It was my email but I've closed the email account. Said the name was XXXX. Can you look into this please. I think someone has stolen my identity in the USA somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Keep sending multiple letters of amount owed to the collector but i dont have a contract signed with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: AES/PHEAA
State: FL

Complaint narrative:
My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play onXX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief