vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
British Airways partnered with Chase to give cardholders a travel promotion - spend {$30000.00} or more on the card per year and you earn a companion voucher in which my wife and I can use to travel on the British Airways flights. I had two vouchers : XXXX XXXX expiring XX/XX/XXXX, and XXXX XXXX expiring XX/XX/XXXX. These vouchers were given to me in XX/XX/XXXX and XX/XX/XXXX. Unfortunately as we all know, the coronavirus pandemic raged in the world since XX/XX/XXXX and travel restrictions in place made it impossible to travel anywhere. Furthermore, considering I am a XXXX citizen with health problems, I provided a letter from my doctor showing that I am at high risk and I shouldn't travel. I asked for them to extend my vouchers so I can travel at a later date. Instead they did not answer my queries nor did they do anything on their end to help me. These vouchers have both now expired. They are happy to take my business but when it comes to commit to their end for the companion travel voucher, they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Im writing this email in regards to your customer service agents. On XX/XX/XXXX I made a phone call to your service center when I realized my direct payment wasnt removed from my account. I spoke to a rep and gave him all my information to make a payment and to be out back on the automatic payment. 

I looked again onto to my bank account and realized a payment never was taken out of my account for both XXXX and XXXX. Why? So I called your customer service center again and the rep then told me my mortgage switched to another lender. The kicker to this is my mortgage was switched Prior to my first original phone call. So now if begs the question why did the rep take all my bank account information and process a payment? Why didnt the original rep tell me this? I am now 35 days delinquent over two months which I had to pay at once. Im not sure if Covid messed things up and you had to hire unethical and unqualified people in your call center. Just want to be sure that this doesnt happen to other people and would appreciate some form of response from someone higher then a customer service representative. I will be reporting this incident to the XXXX and any oversight committees that control mortgage companies.

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 2022-03-12 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: TX

Complaint narrative:
Hello, I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. 

On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card. 

2 months later, I saw the balance back in my account. I was very surprised and called Chase. They stated their investigations confirmed that was an approved transaction. I was impressed as I had rejected it since the very beginning and disputed it. I appealed. They asked me to call the Merchant. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation. 

Now, chase is asking me to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one/ Venture Credit card makes it all but impossible to dispute an unauthorized charge that I disputed. The ability to get them documents has been INTENTIONALLY unfixed for at least 2 years. There's is NO WAY to go to the website to view their secure communication without them first sending you a link to it. 
I had to been erroneously put into quarantine by XXXX XXXXXXXX XXXX, which they said they would pay for. I was charged for an illegal detainment on in their XXXX for 5 days ( could have been 5 more days ) {$1200.00} on XX/XX/XXXX. The only notification of the infestation was the email and txt the investigation. I found it strange that this was the ONLY response I got on the dispute, was after it was too late to respond, on XX/XX/XXXX. Their website, according to another further customer on XXXX writes, it has not been able to UPLOAD ANY DOCUMENTS FOR 2 YEARS. I can prove this creme status, because I am a XXXX XXXX and this would be a known and easy issue to fix. 

After this, I closed my card until this can be settled but there is still a balance with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: CA

Complaint narrative:
i have been writing all 3 bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, 3 different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, XXXX and EQUIFAX all are still reporting such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: OH

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

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 2022-03-12 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: OH

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my XXXX credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Experian notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Experian has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.

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 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate it list the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
Santander XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by Santander. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

Santander is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2022 my loan paid in full with Santander. I called today about my Overage of the Payoff of {$750.00}. I was informed that it would be refunded on XX/XX/2022. That's over 30 days after the loan pays off before my refund is processed. I understand they have to make sure the funds are valid. However, the funds are wired funds and it's over 30 days from the Payoff. Santander are holding funds and earning interest on my account and thousands that pay off daily. I can understand 15 days or possibly 30 days. Over 30 days is simply fraudulent. Please investigate Santander 's practice of processing refunds after a loan pays off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Equifax notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Equifax has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
Received a chime debit card in the mail - I did not open a chime account - you cant speak to anyone to ensure this is closed you cant speak to anyone Im concern Chime is committing fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
XXXX XX/XX/2022, {$870.00} added {$25.00} making it XXXX. 

wanted to inquire about payoff amount, was told it would be a {$25.00} fee, declined. However the rep submitted it. I now have a {$25.00} fee attached to my payment. I have not paid yet. 

When I saw this I called in and was told a manager would contact me I had no such call. 

XXXX XX/XX/2022, I called in again, rep said that it should not have happened. Supervisor was to join us, but then was told I would be contacted in 24 to 48 hours. 

Still no contact from Nation Start, dba Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was forcibly charged at an airport in a third country where the only choices I had was to pay unreasonable fees or lose my belongings. Below is the full story : I & my wife arrived from XXXX XXXX to XXXX on XXXX XXXX by XXXX XXXX XXXX, XXXX  XXXX. I booked XXXX baggage transfer facility at Terminal 1 for loading on XXXX flight XXXX for myself & my wifes travel to XXXX vide XXXX  no. XXXX. I had excess baggage of XXXX for which I was charged AED XXXX ( Charge of XXXX ) 1 ) Customer is allowed to book baggage upto two hours as per screen shot below. I had spoken to XXXX XXXX as per the time stamp of XXXX GST ( XXXX XXXX ) on XXXX receipt while departure time was XXXX XXXX ( XXXX XXXX ) as per screen shot ( Attachment A ) 2 ) As per XXXX website the price per kg from XXXX XXXX XXXX XXXX XXXX per kg when booked at airport while from XXXX to XXXX is not mentioned as per screen shot below from the website ( Attachment B ) Charges for excess baggage from various international location to XXXX is not published XXXX This is violation of the principle of transparency in pricing and fairness in general Attachments a ) Website screenshot showing luggage can be booked 2 hrs in advance b ) Price per kg as per the airline baggage policy c ) Emirates boarding pass of XXXX to XXXX XXXX ( XXXX XXXX ) & XXXX XXXX ( XXXX XXXX ) and Merchant slip showing charges in AED d ) XXXX Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: AZ

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. This is a consumer fraud complaint involving CHASE bank, XXXX, and XXXX XXXX. 

As detailed below : I purchased tickets in the amount of {$1400.00} for travel to XXXX in XXXX from XXXX XXXX. I reported a positive XXXX test XXXX before my flight to XXXX XXXX and I could not board my flight. I contacted XXXX XXXX with this information and emailed them my XXXX positive test. I contacted XXXX XXXX 13 times asking for a refund, but I was refused or redirected to rebooking fees of {$1000.00}. At that time, all airlines including XXXX XXXX was giving 100 % refunds due to XXXX. 

CHASE bank was contacted, and charges were disputed multiple times. However, CHASE and XXXX failed to properly investigate my case and validated the charges onto my account. 

We are asking this agency to do a good faith investigation why XXXX and CHASE bank is denying my claim to remove this charge and hold XXXX XXXX accountable for the trouble they have created. 

Timeline and evidence : - XXXX XXXX - Ticket purchased with CHASE XXXX card, XXXX {$1400.00}. ( Exhibit A ) - XX/XX/XXXX @ XXXX - an email was sent to XXXX XXXX with a screen shot of my positive XXXX test. ( Exhibit B ) - XX/XX/XXXX - Phone records from XXXX showing 13 calls to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX communicating my issue. ( Exhibit C ) - XX/XX/XXXX - CHASE received dispute against charges. ( Exhibit D ) - XX/XX/XXXX, XXXX - sent secure message to CHASE about the process of my despite. ( Exhibit E ) - XX/XX/XXXX - CHASE bank issued temporary credit of {$1400.00}. ( Exhibit F ) - XX/XX/XXXX - CHASE validated the charge and rebilled charges. ( Exhibit G ) - XX/XX/XXXX - Reopened dispute with CHASE and cited evidence and attached evidence to their secure message. ( Exhibit H ) - XX/XX/XXXX - CHASE validates charges. ( Exhibit I ) - Merchant contract to chase. ( Exhibit J ) Reasoning : In the Merchants 12-page report ; they stated on page 2 The customer missed the originally scheduled flight and was registered as no show. XXXX XXXX XXXX XXXX was informed upon purchase that now show tickets has no value and wont be processed for exchange and refund. 

They also state on page 5 Sickness and or Hospitalization is a means of a refund. 
It is clear that XXXX XXXX is committing consumer fraud and lying to XXXX  based on the findings and facts that I have presented before you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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:
I signed up with a promotion with Capital One last year XXXX for 0 % interest for 9 months and I'm being charged interest. I called in last month in XXXX, gave the representative the information of when I received the promotion and I redeemed it in my dashboard. She told me should couldn't help me but would transfer it to a department that would contact me in XXXX business days. That department never called me back. I called in again last night. The first representative told me she saw the promotion but couldn't refund the interest and transferred to another department and that representative said he couldn't credit the interest fees and he didn't see where the first person when I called in XXXX submitted a case and now I would have to wait another XXXX days for it to be reviewed. I asked to escalate it and he said he couldn't and there was nothing he could do. I told him I was going to send a complaint because this is impacting me and he just apologized. Meanwhile, spoke with other department because a XXXX payment is not processing. The initial person told me she did something on the back end and to try in 5 minutes. It didn't work, so they transferred me to someone else who was supposed to help. When I was transferred they said I came in unverified and wanted me to give my full account number or ssn to a live person which I told them I wasn't comfortable doing can I type it in. The he said they were closed and if he put me back in the queue I wouldn't get anyone. I asked if I could file a complaint or if someone could call me back and he said they have 20 XXXX for returned calls and that is ridiculous. Now, I'm back on the phone in the morning for another 30 minutes after being on the phone for an hour last night getting the run around and being routed to the wrong places and the multi level verification that only has limited options. This has been an awful customer service experience all around.

Company response to consumer: Closed with explanation