vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase continues in the misleading comment to my credit report, ACCOUNT TRANSFERRED. This is unjustly defamatory in representing me as negligent. The truth is that Chase breached their contract with me after agreeing to fulfill the terms of their own modification agreement, transferred my account, and now fail to properly reflect this truth in my credit report. 

They assured me that they would be moved to the back of the loan when they approved a modification and that the late payments would be removed from my credit report, as late. My account was sold after I had been approved for this modification. They breached their written contract with me. THEY SHOULD NEVER HAVE SOLD MY ACCOUNT, MOVED IT ONLY AFTER MODIFYING IT with the updates, as promised.

Chase should be investigated and held accountable for this fraud, which just as they planned lowered my credit score while turning themselves a profit. Chase knew that this fraudulent representation of " me as negligent '' made my account attractive to the buyer by making it difficult for me to secure re-financing, with a lowered interest rate, due to 7 years of this misleading reporting to the credit bureaus. 

Worse, despite having told me to pay my first modification payment by XX/XX/XXXX, they recently updated my credit report to show that my XXXX payment was late. When I tried to make the payment by telephone on XX/XX/XXXX, they refused to take it saying they had sold the account. They sent me conflicting letters. 

I had asked for a deferment. I am XXXX, so I was " verbally '' told that they could only offer me a modification. I was " verbally '' told that I would not be eligible until I missed three payments - XXXX, XXXX, XXXX. I did due to financial duress. 

I have been communicating with them since XXXX of XXXX to resolve this. They have refused. I believe I am protected by federal EEOC and continuing violations federal laws, and state fraud and libel laws, so today, I also filed an EEOC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a credit report and noticed I had a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates XX/XX/2017 {$810.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got an email from XXXX  saying my usage on this card went from 36.42 % to 54.08 %. I found that hard to believe because I haven't used the card since XX/XX/XXXX on purpose. I was working on paying it off by paying more than the minimum payment every month. I contacted Synchrony on XX/XX/XXXX and I waited on hold for 20 minutes. I finally got an agent who told me my interest was charged base off my initial charge of {$1000.00}, however my XXXX statement says I was charged interest off of {$680.00} at 29.99 %. She told me if I could pay {$310.00} this month, they would waive my interest fee. We are in a pandemic and I can not afford such a high payment. And then the agent hung up on me when I asked for an explanation as to how my interest was calculated. My issue is why wasn't I charged interest based off of the balance I owed which was {$430.00}. My interest rate was 29.99 %. I am not disputing that I owe an interest fee. I am just disputing the amount. {$290.00} is too much to be charged for interest. Based off of the balance that I had of {$430.00} I was charged almost 50 % interest. I was told that I wouldn't be charged interest for the first 12 months.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a secured credit card with capital one, all my funds were on this card. During 2020, credits by a merchant were made to my balance and instead of capital one returning this money to me they decided to increase my secured balance from originally {$840.00} and it increased due to the credits to {$1300.00}. This card is now closed. Capital one returned only the original {$840.00} I gave them when I opened the account but not the remaining {$450.00} they are holding hostage of my own money. To exacerbate matters, they are charging me overdraft and interest charges on my own money. I have called numerous times and sent letters to XXXX XXXX, not one letter was responded to. The representatives just respond it will be returned in the interim, I keep receiving charge after charge for my own money I gave them and trusted them with for my secured card to build credit with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed I have an fraudulent 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are a group of XXXX  attached and exploiting my identity and credit file using an unwarranted invasion of privacy to grant other individuals whom have agreed to be informants and provocateurs points on their credit and FICO score. These individuals have removed my XXXX XXXX account from my credit report and have reduced my credit by over 97 points even though all of my accounts are current. They are controlling my credit file illegally based on a malicious act and scheme for XXXX whom are involved in informant schemes with various XXXX and XXXX  organizations. I am engaged in federal litigation against Experian and you other two credit bureaus to attempt to end these schemes and they refuse to accept service of the lawsuit in order to extend this scheme for their XXXX and informants and they are controlling my identity through illegal means using an unwarranted invasion of privacy internationally from the XXXX and other agencies acting in collusion to grant lives to their informants. They have taken my credit points to apply too someone else 's score as part of a scheme to allow them access to veterans loans and credit. The docket number to this case is XXXX. These individuals have also surrounded this plaintiff as a part of their scheme to ensure enforce their will against the plaintiff on all levels and a continuous XXXX  scheme from several states mainly Tennessee.

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 2021-03-19 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: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX account is 3 years and 3 months old. It was opened on XXXX XXXX, 2017 and has reached the statue of limitation but still shows as open on my credit report. XXXX XXXX, XXXX has ghosted my social security number and is looking for payment in the amount of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My wife and I both Applied for the Barclays XXXX XXXX XXXX Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XX/XX/XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.

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 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
Hyundai XXXX company is still charging late fees, telling customers if they send an extra payment by mistake, that they can't return it and not telling customers up front about other options if they need to miss a payment. And also, if you have divorce paperwork giving you car in settlement they refused to change information on loan and tile, making it very difficult just to do the right things.

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 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Enhanced Recovery Solutions L XX/XX/2018 {$1400.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
i have issues opening a bank account, and depositing a government check. i previously have had fifth third bank and my account was closed due to bounce checks thru my previous employer. i would really like for this problem to be fixed on my report because it makes things impossible to deposit a check. checks are on my name and have a valid ID. the bounced checks were completely by the employer so therefore this isnt my fault on how it affects my checking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX my account was put on hold while trying to get a cashier 's check from my bank. The branch manager stated they're a government institution and need to vet funds sent from the government. I was a bit confused and taken back with the blatant lie so I responded the sba approved the loans which are government funds by a government institution. I couldn't believe she told me that capital one was a government institution affiliated with the sba and could make final decisions on holding loans an they're over the sba. I ask if I can make a cash withdrawal she tell me I can't until they verify where the loans came since they wasn't sent to a business account even though it clearly says lender name Sba. she tell me this is normal and verification is 1 to 2 days. We go back and forth I ask what will they need to verify she give me a number to call and explain she doesn't know and can't take documents. I call the number and XXXX is confused as me and couldn't tell me what documents he needed to verify I gave a guess will closing documents he tell me I'm the smartest person he's talked to. he gives me an email XXXX send my closing documents proving the sba approved my lender to send funds. I call the next day hit a dead end but get my case number and this XXXX XXXX told me resend the email with the case number XXXX. I continue to call and got a very rude supervisor XXXX week 2 she told me they would end our relationship and send my funds back and she was processing the return as we spoke I asked for a timeline she said she can't tell me that. After a little common sense back and forth she say she can't tell me a timeline since my case was still in review. I asked if I could speak with someone over her since she just lied to me she declined me several times telling me i can't speak with anyone over her. " There's no on over me you can speak with. '' She did let me know my documents had been received. She asked if I'd like to file a compliment I say sure and I asked for verification my account was end and verification the complaint was made she said I would get and email and have yet to get one to this day. So I don't believe she even made the complaint. We are on day 15 business day with no real answer as to why my account is still on hold no verification no timeline on when this will be over. The funds are still in my account haven't been sent back to the lender. XXXX I add they do not want them back so I've gave my lender my new bank account. These people at capital one are basically telling me nothing to bring an ounce of peace of mind just watch all the late fee rack up and business relationship ship dissolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My wife and I both Applied for the Barclays Frontier Airlines Mileage Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XXXX of XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The card should show paid in full. XXXX balance. Showing fraudulent balance of XXXX. I have contacted them multiple times. First two times at XXXX billing office. XXXX XXXX XXXX XXXXXXXX XXXX, Texas. Today, XX/XX/2021. Contacted XXXX XXXX /wells fargo bank N.A XXXX XXXXProblems started after ordering cream from LA and GA XXXX stores.They didn't have the cream at XXXX XXXX XXXX.I 've had a XXXX credit card for many years. I always pay my balance in full every month by writing a check. I'm begining to think they are trying to take advantage of me. Because they know I'm XXXX years old. I just want them to stop harassing me. I have tried to truthfully explain everything to them. My husband said what they are doing to me is 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 non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I started a savings account needed to make a transfer from my father 's account to my account upon his death and made a deposit of {$100.00}. The transfer from my fathers account proved problematic due to terms of his will so I wanted my funds back. Multiple attempts to get my funds have been ignored entirely. Other people with similar experiences as USAA have said that USAA sold a portion of their business to XXXX XXXX and many accounts were stolen, lost or not transferred in a seamless manner to the account holder and legal action was needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Received an email from " XXXX '' I clicked on the email thinking it was from a coworker named XXXX. This email was misleading and did not state who it was from until I opened it. It was a collection agency Resurgent Capital Services disguising themselves as a friend on my email. I called them, they stated I owed a debt to XXXX XXXX XXXX XXXX XXXX  from XXXX or XXXX. I explained that I was incarcerated at that time. They asked if I was disputing the debt I stated no the debt isn't mine. Today I received a letter from them stating the original collection agency LVNV could not sue me due to the length of time and the law limits and they were taking over the debt. I have no idea who this bank is or what the debt is for. I have settled old debts with Resurgent last year and don't have a problem taking care of my old debts but something from 20 years ago while I was incarcerated that is not mine I'm not paying for it. I have taken care of my past wreckage and I have changed my life.The letter states LVNV is the current owner of the account but the body of the letter states Resurgent is servicing it? If LVNV cant collect how can they still own the debt? They need to find out who made the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Since the TMS company transferred the account to XXXX XXXX during the month of XX/XX/2020, I do not know who to ask to correct the misreported error to the credit bureau of a missing payment for XXXX month. I made 2 payments in that calender month, I made a full payment on XXXX, $ XXXX, and another on XXXX, $ XXXX. Yet TMS Inc. Did not report the payment properly to the credit bureau. instead they posted NOT RECEIVED!!! this counts as a missed payment and has hurt my credit history. I contacted TMS inc. they opened a case requesting to correct the misreported information however they have repeatedly closed the case and not fixed the issue with the incorrect report of missed payment to the credit bureau 's.

Company response to consumer: Closed with explanation