vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: NY

Complaint narrative:
On XX/XX/2021 there was an unauthorized transaction on my credit card statement from XXXX XXXX, I informed Chase of the unauthorized transaction and they said they would do an investigation but came back a month later on XX/XX/2021 stating that the transaction was authorized, which is completely false as they did not do a proper investigation into this matter and also the merchant furnished a false and deceptive form. 

There were a total of 4 unauthorized transactions from XXXX XXXX each for 1. {$730.00} 2. {$350.00} 3. {$380.00} 4. {$760.00} All of these transactions are UNAUTHORIZED and INVALID due to the fact that the company did not provide me with any service or products to validate these charges. 
Under Federal Law 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Under Federal Law 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
Since I am the original creditor I will consider revoking the right granted to extend credit if you do not comply and conclude your investigation in accordance to Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV FINXACT CORE

Complaint narrative:
My son left his job at XXXX in XXXX, MD, where he had been issued a credit card. On XXXX XX/XX/2021, he received a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL, saying that they were in the process of upgrading his account to a premier account, but needed documentation under the USA Patriot Act to complete the upgrade. The letter asked for him to send 2 primary ID ( such as copies of his passport, driver 's license, military card, green card ) and 1 additional ID ( such as SSN card, utility bill, paystub, bank statement, etc. ) It also provided a toll free number : XXXX. Supposedly the offer was sent because he was no longer receiving payroll loads from his employer. It was signed " XXXX XXXX XXXX XXXX '' I'm concerned that the letter solicitation is a fraud. My son moved to another company, so he doesn't care to have a XXXX credit card, but others are not as fortunate.

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 2021-06-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I signed up for a five day free trial ( online ) for XXXX XXXX XXXX on XX/XX/21. Immediately, upon realizing that I would not be happy with this service, I cancelled the service the same day. My next credit card statement, from Citi Bank showed a full month 's charge for the cancelled service. I immediately disputed this charge with the credit card company. Initially, they issued a credit to my account in the disputed amount. Since then that amount was reversed and two more charges were made to my card, from the same company, which I, again, disputed. I have received three letters from the credit card company with attachments from XXXX XXXX of their " terms and policies '' stating that they will not honor my original cancellation. I have no confirmation of cancellation of this service, just as XXXX has no confirmation that I ever used their service. I consider this a blatant scam on the part of XXXX XXXX XXXX and must assume that Citi bank simply finds it easier to err on the side of the HUGE Company. 
I will appreciate any assistance offered to me regarding this matter.

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 2021-06-20 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: TN

Complaint narrative:
XXXX XXXX  appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  XXXX appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2021-06-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was told on XX/XX/XXXX that my XXXX student loans would be removed from their reports 7 years after they had been completed. those loans were discharged on XX/XX/XXXX. Now over the 7 years quoted the loans are still on his credit reports. it is nowXX/XX/XXXXthe loans still remain I want them 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 2021-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
I am submitting this complaint pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing. This collection agency has violated my rights as a consumer and have violated the above Federal laws regarding an alleged collection account that they are attempting to collect on.

PHOENIX FINANCIAL SE, is attempting to collect on an alleged medical debt that I have no knowledge of. The original creditor, their client is : XXXX OF XXXX COUNTY, in the amount of {$330.00}. 

I personally have never received any written notice regarding their attempt to collect of this debt and was never given the right as a consumer to dispute this debt. While they might give you a fictitious explanation or a date as to when they sent a notice out to me,,,,, I never received one therefore, prior to putting this damaging information on my credit. Because of their actions I am unable to apply qualify for a loan to feed my family due to this obvious violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: PA

Complaint narrative:
MoneyLion has reported my account as past due by 30 days with a {$61.00} past due amount to credit bureau ( XXXX  ) and this is FAR from the truth! I have never missed a payment and my bank statements show this as does their OWN WEBSITE, payments are taken out automatically every other week and show all as paid on time and current yet they reported it as late, I have contacted MoneyLion and all they will say is sorry and that it is their mistake and they will have a supervisor contact me when I ask to speak with one. Furthermore they cant even supply me with dates bc their own system shows everything as current and paid in full yet they refuse to remove this black mark from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY

Complaint narrative:
I recently requested and received a XXXX XXXX credit card through Wells Fargo. When I went online to set up my account, I noticed that it was impossible to set up Autopay which pays the bill automatically. In addition, it is possible to request text and email notifications of OVERDUE bills, but only email notifications of upcoming bill due dates. In other words, they are DELIBERATELY making it more likely that a consumer will miss paying a bill, while ensuring that they will be quickly notified of any past due bills and associated extra fees. 
I feel strongly that banks and credit card companies should be penalized for such practices. Is there a list, or could one be created, a kind of Wall of Shame, for credit cards that rig the system against consumers?

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 2021-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This company had me on a contract for a price that lasted 12 months. This price was raised without me basing aware. I called and disputed this last month they agreed to adjust the price. I have now received a letter that they sent it to collections. The price was not changed or adjusted

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 2021-06-20 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I get regular emails from Navient about my student loan. I have no student loans. I am XXXX years old. I paid my student loans off about 40 years ago. Why are they hassling me? How many others are they hassling? I have not responded to the email because their website wants me to log in to contact them and I am concerned it could be a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Ive repeatedly sent letters to this debt collection company in regards to this expired debt to how theyre violating my fair act debt collection practice act 15 repeated phone calls and letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This is re Kohl 's Store Credit : I accidentally typed in the wrong password and didn't notice at first resulting in me getting locked out of the account. I've tried calling several times to get accurate amounts owed. I can't get through- I'm told " you owe a past due balance '' ( that's b/c I couldn't get into the account to see balance, minimum due, etc ) and when I call- I get nowhere. They say I have to pay a balance due before they'll help me with the online access. WHAT? I'm not sending in money blindly ... ... every time I call, it's a 1/2 hour call or else I'm told to wait with an estimated wait time of 1-2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. 

The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. 

I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. 

I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. 

I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. 

You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. 

I have no other recourse apart from this complaint, so I hope it helps Pinnacle Bank and XXXX XXXX XXXX find the motivation to help me get my bill paid on time using a safe and secure method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. To date (XX/XX/2021 ), I have sent the same dispute to Experian on 3 different occasions with no relief in sight. It is significant that the same dispute was sent to XXXX and honored on the first attempt.

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 2021-06-20 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:
In XXXX of 2021, I disputed 4 marks on my credit including a XXXX old bankruptcy that should not still be showing. I never received any news on the investigation- nothing except the standard email saying the dispute was received. It was never investigated. 
I disputed the marks again on XX/XX/XXXX and as of yet have not heard anything. 

Not to mention the difficulty making the disputes due to their sketchy website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This is another ( out of many ) complaint against Citizen 's Bank and its fraudulent responses to our complaint to your office. Response we have received from Citizen 's bank dated XX/XX/2021 is nothing short of fraud. From XX/XX/XXXX to XX/XX/XXXX are only 27 days ( see copy of calculations attached ). Then there was a claim that interest from XXXX XXXX to XX/XX/2021 was {$51.00}. There was no such interest at all at any months in 2021. The following interests were charged to us : XXXX. ( i.e., computed for the month of XXXX ) - {$60.00} ; XXXX ( computed for the month of XXXX ) - {$53.00} ; XXXX. ( computed for the month of XXXX ) - {$56.00} ; XXXX. ( computed for the month of XXXX ) - XXXX ; XXXX ( computed for the month of XXXX ) - {$52.00}. Response ignored the issue of failing to account for {$1000.00} payment made in XXXX towards principal which apparently explained the interest charged in XXXX ( {$56.00} ) which was greater than the interest charged in XXXX. This is the reason of questionable " closing '' of our previous complaint with CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: VA

Complaint narrative:
on date XX/XX/2021 i sent a dispute letter to experian concerning an account on my credit report. it is well over 60 days and experian has not responded to me, which i believe is a violation of the law. which means that they were unable to verify the information as well as complete an investigation during the alotted timeframe of 30 days. with that i am requesting that experian remove this account from my consumer report and my credit file and mail me an updated credit report. i am in fact who i say that i am and i also have included my identifying items to show that i am in fact who i state that i am

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 2021-06-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the following information that your company supplied from Equifax involving the XXXX - CARD SERVICE account posted on my credit file. 

This item XXXX - CARD SERVICEXXXX.I am requesting that Equifax have the item removed [ or request another specific change to correct the information. ] This account was paid and settled with a debt collector. The account number is also incorrect and have not been properly identified. 

Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. I have no other recourse apart from this complaint, so I hope it helps XXXXXXXX XXXX  and CMC Funding Inc find the motivation to help me get my bill paid on time using a safe and secure method of payment.

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