vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive 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 explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thomas George Associates, Ltd.
State: OH

Complaint narrative:
I was in an accident in XXXX I had just bought my vehicle so I made the mistake of postponing using car insurance. Later on I got into an accident when I was going to XXXX on military leave, the person did not yield to the green light and turned in front of me. The process was choppy due to my lack of insurance, I filed a claim through them and they have not gotten back to me ; however, the debt collection agency Thomas George Associates is claiming I owe {$15000.00} when XXXX never approached me and when the repairs of the car were worth half of that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

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 2021-09-13 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: NJ

Complaint narrative:
I noticed multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WA

Complaint narrative:
On XX/XX/2021, I found a series of 24 identical unauthorized charges for {$4900.00} to my debit card made overnight. I immediately called Chase Bank Credit Card Services to report the unauthorized transactions while they were still marked " Pending ''. My card was cancelled and I was promised that the funds would be restored " in one business day ''. 

Two days later, when no action had been taken, I called and was informed the " transactions were under investigation ''. I went to the local Chase Bank Branch and spoke with the Branch Manager. He had an assistant review the account with me and we found other suspicious transactions. Together, we filed a second claim to dispute those charges, asking for a detailed list of the items supposedly provided as goods or services. 

The second claim was honored and some {$480.00} of the disputed items were returned to my account. I was informed that some of the items claimed in the second claim were over 60 days old and would not be honored since the window for claims closes 60 days after report on a statement. 

Since that time, Chase has sent me a series of confusing messages, none of which detail either the transactions disputed, denied or actually being reviewed or investigated. 

I have been contacted by telephone by several different organizations from Chase that have given me conflicting status reports of the several investigations, none of which are comprehensive. 

What I have been told by Chase Fraud Investigation is that my claim for return of the {$4900.00} is being denied because fraudulent claims by the same vendor began more than 60 days prior to my XX/XX/2021 claim and it is all part of the same fraud, therefore I am responsible. 

Chase continues to charge my account for charges from the same company ( XXXX-XXXX ) even though I have stopped payment after XX/XX/2021 A much more descriptive summary is attached with documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had 3 charges from company XXXX of XXXX charged to my citibank checking account in error on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I advised the company to take one bill of XXXX which I had in arrears and asked them to cancel the account. The company went on to charge me in XXXX, XXXX and XXXX. I contacted the bank to dispute the 3 charges at the same time. the bank then created 3 separate cases XXXX, XXXX, and XXXX. I received paperwork from the bank to fax documentation to the bank on fax number XXXX which i did on 4 different times. Using the reference number they gave me for all 3 cases R # XXXX I faxed a letter explaining what happened with all my required info and email conversations with me and the vendor advising them to only take 1 payment and cancel my subscription. The bank initially provided temporary credit for all three charges. A few weeks later the bank sent me documentation that they have no received any documents requested, I called in and spoke to a rep that gave me the XXXX number to fax the info again, which I again faxed. The credits were then reversed advising that documentation wasn't received and the cases was resolved in favor of the vendor. I called back and spoke to supervisor XXXX who advised me docs were received on XX/XX/XXXX but only applied to case XXXX, He also advised that fax # XXXX was not working and gave me fax XXXX which i then resent all the docs again and they were received. I need the bank to replace these charges back to my account i did not authorize them and I have provided documentation of my conversation with the merchant proving this.

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
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX XXXX XX/XX/XXXX {$44000.00} -- -- -- AMEX XXXX XX/XX/XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NJ

Complaint narrative:
I have requested a billing history for my account from JC Penney and have not received it. I am concerned that I have been over-billed and that my actual balance is lower than the company claims. I have requested a billing history to reconcile my account with the company starting XX/XX/XXXX to XX/XX/XXXX both over the phone and on the company 's website and have not yet recived it.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I put down a " deposit '' ( actually was a fee ) for {$500.00} dollars as it was required to start my loan. Halfway through the loan, a few days into verifying my income, they came back with a " counteroffer '' because they said my income was lower than reported before they had even finished validating my income. I told them this was not correct and what they were doing is wrong to try and change loan terms before validating income. A few days later after they tried to give me a sub-par loan with the counteroffer, they validated my income as what I had originally told them it was, but this experience where they tried to lower their loan terms on me did not seem ethical. I imagine they do this to many of their customers and it is going to adversely impact the quality of loans given to those with non-traditional incomes or those without a lot of financial confidence ( first-generation wealth for those who had been impacted by poverty comes to mind immediately ). After they did this to me I was worried my loan would not go through and they would try and scam me with this counteroffer proposal so I started engaging in new loans. I found a better loan and wanted to get away from this shady company that tried to scam me. When I informed them I wanted the deposit back and to cancel the loan, they told me because they canceled my loan ( at my request ) they could not refund the deposit. So in the end they did the thing that would allow them to keep my money when I was asking for the opposite. Very shady company and think incidents like these should be investigated further especially regarding discrimination as I would imagine their unethical practices are strongly impacting XXXX and other ethnic minority borrowers whose families only recently made it to the USA and are not sure of all of the rules. Chase will take advantage of their lack of experience in the US financial markets while having issues " validating their income '' and give them sup-par rates and loans to make a quick buck due to their inexperience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am submitting this new complaint because Shellpoint Mortgage closed my last complaint ( XXXX ) without a resolution. Please confirm if the property tax is escrowed and Shellpoint Mortgage will send the payment ( in the amount of {$3500.00} ) to XXXX XXXX, before the deadline of XX/XX/2021. If it is not paid before the deadline, Shellpoint Mortgage will be responsible for the late fees and related interest charge.

I have called Shellpoint Mortgage many times. Each time, I get a slightly difference response, ranging from " we don't have the tax bill '' to " please pay directly yourself because it is not escrowed. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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:
I went online to purchase a bedset ( comforter set & pillow cases ) shower curtain, bathroom rugs, toilet cover etc. The bathroom set was {$84.00} and the bedroom set was {$120.00}. The purchase was placed around XXXX XXXX. I actually sent a email on XX/XX/XXXX trying to get an update on my order. They responded with a link to track my order which i could not track my order with. Tried to call the retailer by phone which i got no reponse. So waited to give it more time. Tried calling other times again no response. I finally reached out to Chase to report as fraud and they said they will investigate. I sent them the all the info i had. Then they responded with info saying that the order was placed in XX/XX/XXXX when clearly I have paperwork showing i reached out to the customer in XX/XX/XXXX to get a update. The customer must have gotten things mixed up. I reached out to the customer again in XX/XX/XXXX to let them know to keep the product and just give me a refund, its been entirely too long. So they sent me another tracking number to track the product. Ive also called XXXX XXXX to track the product and was told that number dont exist on three different ocaisions. The back and forth went on between me and chase for over 8 months. I talked to a chase manager and told her the situation. She agreed that i should have never been charged and the case should have never been closed with out a resolution. She then told me she would take care of it. But once she transferred me to the next person for the next steps everything just seemed to have been forgotten about. When i called back i was told to submit my findings which i did with a letter. I did that twice and still no resolution. None of their tracking numbers were valid and Chase still dropped the ball. I was told that I only had a certain amount of time. I dont understand why there is a certain amount of time when there is fraud being committed. Is that why people get away with fraud cause they know its only going to last a certain time and then they walk away with money? Till this day XX/XX/XXXX I still have not received any product and Chase will not review the case. I have been a customer of Chase for a very long time and dont understand how this was just overlooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I was repairing my credit and i found a auto loan on my name in the sum of XXXX where there no repossession or payments make to this loan..i have sent letter to the company and never got a response and i also have dispute this debt for the last two years or so and they are refusing to remove it fron my credit and it causing me a lot of hardship with me trying to get my life in on track

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 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I'm requesting to have my Loan Modification reviewed for accuracy. 
-XX/XX/XXXX- I contacted my lender Pacific Union to advise of my unemployment hardship. At the time I was current and told I would have to let my account go past due in order to receive assistance. 

XXXX XXXX, XXXX, I received a Financial Package to complete. 

-XX/XX/XXXX- I completed The Request for Mortgage Assistance Application.

-XX/XX/XXXX- I received a letter explaining the Forbearance schedule. I made 3 payments dated XX/XX/XXXX - XX/XX/XXXX. 

After my payments were complete, I called to see what the next steps were. I was told someone would contact me, I contacted the servicer several times due to fear of losing my home. I was told that Pacific Union was closing and my loan would be transferred to Mr. Cooper home loans. 

XX/XX/XXXX- Mr. Cooper acquired my loan From the time my loan was transferred I called several times to get an update, months went by and still no progress was made on my modification request. I was told it's being worked on. 

-XX/XX/XXXX- I finally signed my Modification documents I waited almost a year under distress not knowing if my home would go into foreclosure. I did not receive any type of communication or updates on the status of my modification. 

XX/XX/XXXX- I called in to try to refinance my home to get my rate lowered. Due to the Modification my rate was raise to 5 %. 
I was told I had a {$67000.00} balance from my modification. I was in disbelief what started as {$5000.00} of arrears ends as {$67000.00}. I was never informed of the {$67000.00} balance. 

The process started in XX/XX/XXXX, I was stuck in a waiting period as my loan was transferred and sorted out from the previous lender. 

On XX/XX/XXXX - It took so long that Mr. Cooper sent me a letter apologizing for how long the Modification took with a check of {$500.00}. 

It took over a year for my modification to be finalized due to things that were not in my control and I'm being penalized with a large balance because of it. 

I attempted to upload the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2019, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Vehicle Solutions Corp
State: FL

Complaint narrative:
This company statement is deceptive and misleading. This company has violated rules FDCPA and FCRA. This company states that I made a payment on XX/XX/2021. Per my loan agreement my payments are due on the XXXX of every month. On XX/XX/2021 I made 2 payments totaling XXXX which meets my contractual obligation. This company continues to indulge in malicious intent by locking my account and stating that only a manager can process a payment. I have made several attempts daily to speak with only one manager that can process payments and unlock my account. The staff mainly speaks XXXX and is insanely rude and unprofessional. I have phone records to validate the timeframe of my calls. This company continuously engages in deceitful practices and intentionally makes it difficult to submit payments which is creating stress and is causing final harm to myself. I am requesting for Vehicle Solutions to provide accurate documentation that I have consistently submitted payments beyond 30 days late. Additionally I am asking for Vehicle Solutions to stop the deceitful practice of locking my accounts from on time payments. Also remove this false / inaccurate information from my credit report and provide a complete and accurate payments for all payments submitted for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation