vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX  website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with 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 explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/19 I used a product partnered with my Chase bank account, called XXXX, to make 2 transfers of {$180.00} ( {$360.00} total ) for a product that turned out to be fraud. XXXX is a bank to bank transfer system and was offered by my Chase account to use. Assuming if my bank was partnered or had the system available, that it would be safe, but I was scammed through it. I contacted the person who committed the fraud first to get this made right and that was unsuccessful, so my husband and I filed a police report against the person on XX/XX/19 and moved on to hoping Chase would be able to help the monetary situation considering they were the ones that offered the XXXX option. Chase was unwilling to help, after multiple attempts, even though XXXX is something offered by them through my online account. There is no consumer protection or understanding. I'm a regular person who works hard for their money not a big corporation like Chase Bank or XXXX who benefits from my account, so {$360.00} really matters in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Nicholas Financial Inc.
State: MD

Complaint narrative:
In late XX/XX/XXXX I began experiencing financial hardship which prevented me from being able to make my car loan payments with Nicholas Financial on time. In XX/XX/XXXX the vehicle was repossessed. Since then I am back on my feet and have invested alot of time and resources into getting my credit back on track. So much so that I am in the process of purchasing my first home and need all of my information to report as accurately as possible. 

The underwriter on the mortgage loan is questioning the status of the balance of the repossessed account. Basically - is it charged off. 

I spoke to XXXX at XXXX @ Nicholas Financial corporate office who advised that the vehicle has been deemed as CHARGED OFF since XX/XX/XXXX but that they will not change the status from repossessed to charge off because the credit bureaus know what it means.

That may be true but the underwriter doesnt have to and the wording on any account should be accurate. The repo happened BEFORE the charge off. The account should have been updated after the occurrence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX   approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 

4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. 
recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager -  refused the reversal of the late fee of {$27.00}. 

6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. 


SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. 

Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. 

**** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. 


I, XXXX XXXX, certify the above statement to be true and as occurred. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a mortgage at two different companies submitting the same information Fico score income and was denied from one lender. From the FHA guidelines I should have been approved at both lenders. I called in order to see the denial reason and I as not given adequate information or explanation for denial. Wells Fargo denied my loan application and I feel it is a discriminatory practice. I want my application to be investigated further.

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 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express reported that my account had been settled on XXXX. They sent me a statement and letter stating I was past due on my account. I called today, XX/XX/19 to determine what was going on and paid the balance in full not knowing that they had already reported that the balance on my card was settled under my bankruptcy. Unethical ... all for {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I accepted a promotional offer by Citi Credit Cards to do a balance transfer for car loan at XXXX XXXX. I used a check sent by Citi with which I was supposed to pay the remaining balance on the loan, which was {$2300.00}. After submitting the pay-off check to XXXX XXXX on XXXX XXXX, I later received a letter from XXXX XXXX informing me the check was returned to sender. This is reflected on a XXXX XXXX account statement indicating the payoff was reversed on XXXX XXXX. 

I therefore called Citi to inquire about the reversal. They informed they did not know why it did not go through and then recommended I send a second payment, so I authorized a second payment of {$2300.00}, the increase in amount accounting for interest accrued since the reversed payment. The second payment went through to XXXX XXXX, which was reflected on my XXXX XXXX account statement. However, my Citi account showed that both payments went through, both the {$2300.00} AND the {$2300.00}. 

I called Citi to ask about it, and they told me they would start an investigation into the payments and told me to tell XXXX XXXX that Citi would be calling. I then called XXXX XXXX to inform them of this. 

Several days later, I called Citi to ask about the status of the investigation. They did not know the status and could not tell me. They said they tried to get me in touch with an account specialist but could not get ahold of one and recommended I call back later. 

A week later, I called Citi again to ask about the status and hopefully get in touch with an account specialist. I was then bounced around to several departments, each one saying that they would transfer me to the correct person, none of whom actually helped me. Finally they directed me to a person purporting to be able to help, but she began asking the same questions that were asked when I first filed the dispute and told me to inform XXXX XXXX they would be calling. This didn't make sense as an investigation was already allegedly underway. I asked to speak to a manager and was put on hold indefinitely. I had already been on the phone for 41 minutes, so I did not want to wait any longer.

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I have contacted this companies regarding the debt that was for validation of debt. 

Bullcityfinancial I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX XXXX and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX but failed to delete the debt from XXXX  and XXXX I have threatened to pursue legal actions at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a personal LOC on my primary residence with Chase. The loan is variable and the interest rate changes when the prime rate changes. The rate just changed at the end of XXXX, 2019. Chase is saying that they change the rates on the LOC based on the " Published Rate '' on the last day of the month. Since the rate changed on the XXXX, it couldn't be published in the XXXX until XX/XX/2019. Because of that interpretation of their variable rate loan products, they are refusing to lower the interest that they charge to me for 12 days of XXXX. I spoke to them about this, but they are adamant in refusing to correct the charges. I have two letters from them that I attached to this complaint. The difference in the interest rate calculations is about {$200.00}, if I am correct. I believe that since the rate changed in XXXX, any interest charged in XXXX should reflect the new rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is not reflecting when credit card payments are made, we are trying to buy a home and the other 2 credit companies have the accurate information, we have been working on our credit scores and transunion is making it difficult because there misinformation which isn't helping our credit scores. I expect this to be resolved as my attorney is informed of the situation and will act accordingly.

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 2019-09-17 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I was fasely changed by an apartment complex XXXX XXXX XXXX  I persued them in District court they they took me to Magistrate Court Where we sttled by agreeing to drop both cases without either Party owing the other and I agreed to relocate with I did by date agreed to The company which owned the complex then closed The Complex was then sold to another company This new company has contacted The XXXX XXXX XXXX XXXX with my information and they are harassing for a debt not owed and also damaging my lifestyle and credit through each of the credit bureaus XXXX XXXX and XXXX Can you help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
1 I received a debit card in the mail with a number on how to activate it 2. Since I did not open this account, I attempted to contact Chase Bank 3. I then received a notice that the account was closed by Chase because my credit was inadequate. ( my credit rating is above 800 ) 4. I made two phone calls to Chase to report this problem and to try to receive an explanation of how this account was opened. Chase refused to provide this information. Eventually they said not to worry and just cut up the debit card and that would be the end of it. 
5. that was an inadequate response since I am fearful that I am a victim of identity fraud. I cut up debit card and trashed the correspondence. 
6. I then received a XXXX XXXX letter saying that Chase was closing the account that I did not open because I had failed to give them information. Now I'm worried about my credit rating. 
7. By additional letter dated XX/XX/XXXX Chase informed me that they denied a charge on the account to XXXX. 
8. Now Chase has sent me a check for 200 + dollars which according to them is the final balance in the account.

I AM BEYOND FRUSTRATED. I SPENT THE BETTER PART OF 2 HOURS TRYING TO RESOLVE THIS COMPLAINT AND PROBLEM ... ONLY TO BE TREATED LIKE A CRIMINAL BY CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank continues to harass me about a debt from the store XXXX XXXX XXXX, I can not pay. I am on Social Security XXXX. They left a message stating they were " Specialist Agent '' as if they were with the FBI or government and made it sound threatening like they may arrest me or something. They have called my mom on her cell phone and I have never given them her cell phone number. The debt is for around {$1300.00} dollars and they call all the time and will not leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

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 2019-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD ASTRA RECOVERY representing XXXX  XXXX  has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX shows an old joint account auto loan as being Charged Off/Written Off in the amount of : {$5000.00} and a balance due of {$100.00}. In actuality, the loan was paid off by XXXX XXXX XXXX, due to a total loss. The pay-off amount was : {$5700.00}. The check was issued by XXXX on : XX/XX/XXXX and cleared by XXXX XXXX XXXX on : XX/XX/XXXX effective XX/XX/XXXX. 

I spoke with XXXX today, XX/XX/XXXX, after I disputed the inaccurate information with Experian and XXXX. XXXX is removing the erroneous information. Experian is keeping it. XXXX refuses to do anything about it, even after showing they received and cashed tje check from XXXX. I explained to XXXX that by writing off the loan amount as a loss on their corporate taxes and taking the check from XXXX, is a form of tax fraud. It is either one or the other, not both. 

I spoke with XXXX today, XX/XX/XXXX and obtained a copy of the check they sent to XXXX. I uploaded the copy to Experian 's website. 

XXXX is not being honorable and living up to their reputation as a predatory lender.

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