vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had a Khols card for years now. Always paid on time. My payment was very high so I could not get control of it. They kept raising my limit and I didn't realize it had gotten so high. They did not let me know they raised it. By the time I realized it was so high the payment was out of control. Then my ex husband left the state and stopped paying his child support/alimony and my employment cut my overtime I had for years. I have lost a significant amount of income in XX/XX/XXXX. I called Khols to ask them if I can just pay my past due. They said no and reported me as late even though I was not even a month late yet which impacted my credit score. None of my other credit cards did this but Khols. I thought I had to be 30 days late to be reported. Anyway, the payment jumped to over a hundred dollars in the worst month ever. I lost about 30 percent of my income last month. 
I called all my credit cards and had them closed and I was put into a payment plan where I can pay them off with no interest. I just want to try and keep my credit score intact as I am a single mother and need my score to rent, medical, etc. Khols was the only company that would not work with me. They were very aggressive all the times I called them. They said there is nothing they can do, that I either pay it or they will ruin my credit report. I told them I could not. They call me all day. All night. I get calls at my job from them. My phone rumbles all day long from Khols. They have many different numbers they call from. I finally called them today and asked them why they won't help me pay them. I just want to pay my bill! They said the only thing they can do is charge me {$66.00} a month for two years. I told them I could pay half of that. I told them I could pay XXXX a month and maybe things would get better down the line and I could pay more. They got really nasty and said there is nothing they can do. I asked them wouldn't they rather have some money than none. They said no. I am at my wit 's end. I don't understand why I can't pay off what I owe but just in smaller amounts for now. Please help. I am not trying to dodge my bill and I have learned my lesson no to depend on overtime or child support but I can't seem to climb out of this hold and can't not pay my rent or electric or buy food for my kids to pay IKhols.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have spoke to Chase about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: TX

Complaint narrative:
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.

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 2018-03-16 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: FL

Complaint narrative:
I have spoke to XXXX about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to 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 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is my second claim against JP Morgan Chase due to your continuation of lies and deceiving this is about a claim of {$24000.00} that shes allowed me to open not informing me of any time limitations or amount limitations the claim was open on the XX/XX/2018 which chase claims that was way past they have 45 days limit to file claim but weeks and weeks and weeks of me calling and calling the claim was still processing and I was informed that would take up to 90 days to be completed their investigation in my case it took 45 days lots of phone calls for Chase to deny my claim saying that was over their timeframe I found my first claim here and Chase did the same thing delay two weeks and then denied the claim again saying that I never called you dont have any records of my calls here are the records of my calls and documents. Chase actually refuses to follow up with my claim or even to investigate my claim due to the fact that since this incident happened I have not deposit the single XXXX my account and Chase has overdrawn my account for over {$2700.00} and now they want me to make a deposit to bring my account current I think thats why Chase doesnt want investigate my claim. I have attached my phone log with all the phone calls that I made it to Chase to prove that I have called and called and that they lied and lied saying that they have no record of me calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
To show it may concern I XXXX XXXX have an issue with discover credit card for something that was promised to me and something that was notated in the system as to receive an adjustment credit of XXXX after completing the XX/XX/XXXX payment as agreed. 
I Am not talking about the credit adjustments discover gave me for the first 2 payment made I receive those adjustments the one Im having a concern about is thr one of XX/XX/2018 I spoken to a representative that enrolled me in to the auto pay payments. s we discuss my account she saw that there was notes saying that after I have completed the XXXX payment of XX/XX/XXXX once the payment had finished process and posted in the account I would get a XXXX credit adjustment for the month of XXXX As I paid the XXXX Days have pass by and nothing has yet been adjusted I repeat this is regarding the XXXX payment not Any other month I Also have that call recorded as all of my calls get recorded for a special reason that for all of my payments I had problems before with different banks and everything was recorded situar I can prove everything we said and discuss is in the recording. 

I am dissatisfied and disappointed at discover for promise someone something and than not doing it. 
I think I deserve it I work hard to become current and have my account back on track

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: NJ

Complaint narrative:
I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern I dont know what else to do I been working a way out to my debt with capital one and have enroll in to a program that supposedly is helping me out to get current but I believe it is not good enough and it is not working as I expected to be. 

My debt never goes down the balance is almost the same or doesnt not change much for my 3 capital credit cards I been making payments for the past 2 or 3 months or more just by paying the minimum amount to avoid been charge off because the minimum payment still remains high and it seeems to never go down as I make payments like they say it wont get my account current but it will avoid from getting charge off. 
The balance doesnt seems to go any lower as I make payment the interest seems to be eating me. 
The interest sometimes or most of the time is higher than my minimum payments that is why it doesnt seem to go down much All of my accounts are restricted and I wish that capital one can do more to help me out to come current once for all but the interest is killing me as I make any kind of payment most of it goes to the interest I will never be current? 

Im getting tired of this situation as much as I want to keep my account because I want them I dont wish to close any of them but I do want more help from capital one to wave me the interest charges fees and cash advance fees so that I can become current as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. 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 2018-03-16 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I placed an order for a product costing {$60.00} on XX/XX/XXXX and paid using XXXX XXXX XXXX XXXX XXXX ; the item was provided from a Marketplace vendor and had a guaranteed delivery date of XX/XX/XXXX. I received an E-Mail from the company on XX/XX/XXXX informing me that the product wouldn't be in-stock for at least a week and asking me if I wanted to wait ; I thanked the company and cancelled the order. I did not receive the order. 

The charge for the product appeared on my credit card statement and I filed a dispute with the bank on XX/XX/XXXX. After nearly 2 months, the bank decided that there was no reason to reverse the charge and closed the dispute with he recommendation that I contact XXXXXXXX XXXX. XXXX XXXX said that they can't do anything because, 3 weeks later, the dispute is still open at XXXXXXXX XXXX. 

I can provide copies of all E-Mail communications if needed. 

I plan to file a separate complaint about XXXX 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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered a 3 bureau credit report with Fico scores for {$1.00} ( a very good deal ) after being referred to their site by a financial company. The company said you could cancel the membership after ordering the report within 7 days and there would be no further charges. I ordered the report which was fine. I then tried to cancel the monthly service. with a fee of {$29.00} per month. In calling I found the company is owned by Experian.

Every time I called to cancel after going through a long process of identity with the claimed purpose of protecting you, I was told the wait time to cancel is 2 hours. You can not cancel online. This is a total scam with the sole purpose of collecting a fee by making it extremely hard to cancel.

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 2018-03-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX XXXX XXXX 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 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My husband and I have two loans with the company NationStar that correspond to two properties located in the same street, on both of those loans we pay to an escrow account for the payment of property taxes and homeowners insurance. 
Late XXXX we were made aware by our County Tax Office that the property taxes on one of those loans had not been paid for four years ( about the time of the life of the loan ). When we contacted the mortgage company, after several communications back and forth, NationStar made the corresponding payment of property taxes on XX/XX/XXXX. 
Since then the company is also known by the name Mr. Cooper. 
Thinking that everything was cleared out, I was shocked when we received a loan statement with our monthly payment increasing from {$1200.00} to {$2500.00}. 
When I called the mortgage company to ask the reason of this increase they said that our escrow account had a negative balance of the amount they had paid in late property taxes. Let me clarify that we had always paid to the escrow account the amount calculated by the mortgage company, and had never been late on payments. Therefore if there was any discrepancy in regards to the payment of property taxes, it was an oversight of the mortgage company since it was them who should have been making those payments on our behalf, but had not during several years. 
I contacted NationStar a.k.a Mr.Cooper by phone and mail requesting a detailed review and evaluation of our loan so to identify the cause of all this problem. 
Until everything is cleared I had asked the company to stop collecting the payments, and that the loan not accrue late fees or be considered delinquent. Still, the company sent a communication otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report inaccurate items attached to a bankruptcy that is no longer reporting to my file : XXXX XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX   XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a  consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Equifax has been malicious and bold in these matters because they have not been sued enough. I fully intend to pursue any and all remedies available to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
XX/XX/2013 amount is {$760.00} IQ Data International IN this was about 4 years ago with XXXX apartments I was about XXXX XXXX XXXX and my mom used me as a XXXX XXXX for an apartment, I did not know anything about credit or how it could possibly affect me. When we left the apartment I did not know we had an outstanding balance. I did not receive any notificaiton that I owed anything to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a recipes and the seller never sent over my order. Ive reached out to him several times and there was no response.

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