vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied online for a Chase Sapphire Preferred card and was approved. I applied directly from the Chase website after seeing the offer for XXXX bonus points and no annual fee for the first year. I received my card several days later in the mail and logged onto the Chase website and I saw that they had charged me the {$95.00} annual fee. Confused about this I called Chase and was told they did not have the power to remove the fee and said the application code on their end showed that the fee would be charged. I asked to speak with a manager who said they would escalate the issue. 


Today I received a voice mail from Chase again saying they could do nothing to remove the fee have a nice day etc. Is there anything at all I can do about this? The application link I used was directly from the Chase website and clearly showed no annual fee for the first year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

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 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.

This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

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 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The options that I took was I believe the closest to the problem that I am having. My problem is that I believe the credit bureau TransUnion has done a criminal act to me. Sometime inXX/XX/XXXXI requested a copy of annual free credit reports from all three bureaus. OnXX/XX/XXXX TransUnion issued me a letter stating that they needed proof of my current mailing address and requested that I send them two documents that show my current mailing address. So I sent them a copy of a cancelled check and a copy of a phone bill. The cancelled check was dated XX/XX/XXXX. Check number was XXXX. The amount of the check was for {$15.00} and made out to XXXX. I also included a check in the amount of {$9.00} made out to TransUnion for my credit score from them. The check number is XXXX. On XX/XX/XXXX I received a check from TransUnion. The check number is XXXX  and they stated that the check that I sent them for the credit score was greater than the cost of the score and that they are enclosing a refund of the overpayment. The amount of their check was for {$5.00}. I did not cash this check. I called them up numerous times wanting to know why the check that I gave them for my score, check number XXXX  for {$9.00} has not been cashed by them. They said that they used the copy of a cancelled check that I gave them to show my proof of address, as the check for the credit score. Check number XXXX   for {$15.00}. Hence why the check from them for {$5.00} was issued to me. I feel they are trying to get me charged with using a copy of a cancelled check to purchase my credit score from them. As mentioned above I used the copy of my cancelled check for {$15.00} to show proof of my address. I included a check for {$9.00}, check number XXXX  for my score. They have this check, I just know it. I feel this is criminal what they have done. I called you on the phone and you were going to send me paper forms of the complaint to fill, so I could attach documents, but you have not. So I'm doing this complaint online. I hope you can look into this asap. Thank you.

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 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 2018-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I was involved in a total loss accident in a vehicle that I purchased using the lender XXXX XXXX. Approximately 6-8 weeks later, my insurance company at the time ( XXXX ), along with my GAP insurance company ( XXXX ) paid this lender the amount remaining on the loan balance! The auto finance company then claimed that I still owed them an amount of about {$2600.00} for late fees. This is incorrect as in XX/XX/XXXX I had paid them up to date on the amount I was behind which was only a few months and everything was current. Now since they have continued to deny that this {$35000.00} loan was not paid in full, they have continued to add late fees, interest and anything else possible to run up this tab on a vehicle that's in the junkyard. They have forwarded it as a charge off and the amount has rose to about {$6500.00} and continues to climb. I have done every thing in my power to resolve this but its not right that I am continuing to be affected by this. They report to the 3 credit Bureau 's every month that I'm late on my payment and it is causing me a real struggle to keep my credit score from crumbling. Any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I made a payment my due date is XXXX  of each month on the XXXX I was charged a late fee again inXX/XX/XXXX I made a payment the min or more and on XX/XX/XXXX I was charged a late feeXX/XX/XXXX I made a payment the minimum or more and on XX/XX/XXXX I was again charged a late fee XX/XX/XXXX a payment was made min or more again onXX/XX/XXXX I was charged a late fee Each month I paid within the month before the due date and was assess a fee. this is predatory and illegal. XXXX  reps said they can give me a COURTESY ONE TIME and refund one late fee. this is unacceptable as I was charged 4 times {$38.00} wrongfully. I absolutely want every single fee returned. In the month previously stated my bill was paid on time. Telephone reps refuse to refund me and I've tried messaging them on the site and im getting the same message. one late fee was returned. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX  IL. XXXX. Reference # 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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 2018-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have held this loan with Ocwen Loan Servicing for over 7 years and have made various attempts in the past to re-finance loan with them and have been consistently told I could not even though the loan is current. Most recently ( 3 yrs or so ago ) in one of out attempts, Ocwen told me to stop paying the loan so that I can modify the loan. I chose not to do that as it would hurt my credit. I continued paying the loan as scheduled. I received a notice stating I could refinance through a subsidiary of the parent company and when I called, was told that if the property was in transit of being sold they could not do anything for 90 days after it is taken off the market. When I called, the young lady I spoke to asked if I had modified this loan since that is what the record shows. I explained that we did not modify despite them suggesting for us to do it. On the occasion I was told to stop paying so I could modify, I was given that advise without them checking my credit etc. The loan was and continues to be current and now I received a notice from the lender raising my monthly payment by {$75.00}. It seems the only option the Ocwen has given me is to default on the mortgage which is not an option. It seems despite the fact I am a good customer and in good standing, I am being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed an item with Experian many times. The company, XXXX has never sent or verified accuracy of service, proof of service, what services performed, etc., but Experian will not delete charge. All other cr edit agency es have disputed charge. I call to get a message put on credit report stating this is a pyrchased debt with no proof of service, but instead, Experian wrote some XXXX message that does not alert other companies to the real problem.

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 2018-04-10 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: IL

Complaint narrative:
i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX  has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX IL. XXXX. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I spoke with a representative that stated that I could pay the debt less than the full amount. He stated that the debt would not be deleted and it would show paid. He instructed me to file a dispute with the credit reporting agencies and state that it was paid then the collection would be removed. I set the arrangement and made the payment. I waited until the debt showed paid on my credit report then I did as he stated. I filed disputes with the the CRA 's. Well I received responses back from the credit bureaus stating that what was reported was accurate and it could not be removed. I am highly upset that a rep from that company would tell me to follow those steps to not see a removal. I feel that they rep falsified information just so I could make the payment. I think he knew that the CRA 's would not remove it from my report. Can you please help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX  XXXX  that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX  for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX  XXXX   again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX  XXXX  and the only phone number I had for XXXX XXXX  XXXX XXXX seem to not be vaild as the number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CA

Complaint narrative:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XX/XX/XXXX, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX ac # XXXX please delete this accounts fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.

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 2018-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX. This company sells a money transfer instrument called XXXX XXXX, which can be used to add money in retail stores, and later to transfer money to general-purpose prepaid cards.

On XX/XX/XXXX, I used a XXXX XXXX ( see Exhibit A & B ) with stored value of {$500.00}, and requested it to be transferred to my XXXX  prepaid card. The company told me the transfer is successful ( see Exhibit C ). However, the {$500.00} has not been added to my XXXX prepaid card ( see Exhibit D ).

Starting XX/XX/XXXX, I have called/emailed the company for several weeks, trying to resolve this issue. They gave a few different incident ids ( the last one being XXXX  ). Each time they insist that transfer is successful, and some random numbers they call it confirmation. However, the XXXX prepaid card denies ever receiving the {$500.00} deposit on or after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.

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