vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
we issued check # XXXX to our employee XXXX through our account at chase bank on XX/XX/2022. The check was deposited through a chase bank ATM machine on XX/XX/2022 through an account that does not belong to XXXX XXXX, Chase never should have negotiated the check. We filed a claim with chase bank check claim department on XX/XX/2022, they told us it would take thirty days to investigate the claim, on XX/XX/2022 we called chase, they said hey had not investigated, we asked them to credit our account for the {$1300.00}, they refused, it was there negligence that permitted this check to be cashed, they refuse to accept responsibility for their actions. They should not be allowed to hold our {$1300.00} hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Greetings, I am sending this email due to a practice of a business that is purely unethical and should be addressed by the Federal Trade Commision, in my opinion.My particular experience is as follows : On XXXX, I used my Care Credit/Synchrony Bank credit card to pay for my deceased pet 's final expenses. Since I am a XXXX Veteran, I get paid once a month at the beginning of the month, hence I tend to pay my bills first and foremost. I made a payment on my card on the XXXX day of XXXX, even though it was not due until the XXXX. On my XXXX statement I discovered that I had attained an " overdue payment '' notice and fee of {$28.00} for the XXXX payment, even thoughthe credit card company had withdrawn the full payment from my bank account the day I made it, which was approximately 4 times the minimum amount due. I called to straighten the issue out and was told that I would just have to pay the fee as I was told that I, quote, '' had just made the payment too early ''. I ended up paying the extra fee, even though the company gave me credit for the payment I had already made in XXXX, which makes absolutelyno sense, and appears to me to be a way to chisel money out of honest people trying to pay their bills. If I had been LATE with the payment, I could understand an " over-due payment fee '', but to be flagged and charged by the credit card company as if the payment was late when it was paid early is ridiculous, as well as a hit against my credit score, and an unethical business practice as well.. Whether this type of activity by a company is illegal or not, I do not know, but I do know that business practices of this type are hurting honest consumers on a daily basis and should be regulated. My suggestion would be to require any and all unsecured loan/credit card payments made anytime on or before the due date of the same month to be accepted without exception to the date paid. Facing charges for paying a bill early should not happen.If any further information is required of me, I will be happy to provide it.Thank you for your time.

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 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Put in application for loan modification! Uploaded documents including contribution letter. Don't get a phone call from the person handling it. Just get a letter requesting up date contact info and options for modification. I went from XXXX XXXX taking 5 months with modification to selling the loan to this place. I have every document sent to loss mitigation and my representative!! 

I even sent to the loss mitigation representative to her email and XXXX plus faxed to XXXX. 

I don't know what they want!! Their website sucks!! Can't upload to portal without error messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen that my credit score for transunion is a XXXX. Yes a XXXX!!! Please help me figure out why its showing up a XXXX. Already contacted transunion. No HELP.

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 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Motor Financial {$600.00} that was paid In full and still showing in my credit as I still owe.

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 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
PLEASE refer to complaint # XXXX that has been closed but without any resolve!!!! I STILL can not login to Citibank to make a payment. Since I filed that complaint above in XXXX, my husband suddenly became ill, requiring emergency assistance ( ambulance ), 2 units of blood and a stay in the hospital all the end of XXXX and first of XXXX ). Citibank tried to call me while I was caring for him at the hospital and while the doctor had come in to update us of his status. I could NOT take the call. I tried to call them back but the recording said that number did not RECEIVE calls!! How convenient to further delay my payments! 

While he was in the hospital we learned that his mother had fallen through the cracks of medical care because of XXXX protocols -- they missed she had XXXX because they weren't doing her routine XXXX screenings!! She died just weeks later on XXXX/XXXX/XXXX. We were busy caring for her and helping her with her final arrangements. It was beyond heartbreaking! 

We get back from all of this only for our oldest daughter to come down with XXXX We are all fully vaccinated and was shocked this happened but now I'm caring for my granddaughter while her parents battle to get well. 

In the meantime Citibank has yet called two more times from the unreturnable phone number and always at the most inconvenient of times. They do not leave a message. Nothing. 

Add to all this that our oldest son was XXXX last year on XX/XX/XXXX. His XXXX XXXX trial was to start on XX/XX/XXXX. We were busy preparing for this trip right after we lost my mother in law only to learn ON the XXXX it had been postponed yet again. 

I AM STRESSED BEYOND MEASURE AND AM IN BAD HEALTH MY OWN SELF BEING FULLY XXXX!!!! I CAN NOT GET LOGGED INTO MAKE A PAYMENT BECAUSE I DO NOT HAVE A VALID CARD # BECAUSE THEY CLOSED THE ACCOUNT!!!! I DON'T EVEN GET A PAPER STATMENT NOW THAT ALL THIS HAS HAPPENED. 

IS THERE NOT SOMEONE WHO CAN HELP ME? PLEASE??????

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In the middle of XX/XX/XXXX I paid down my mortgage by approximately 50 %. My statement for mortgage payment due on XX/XX/XXXX showed that I owed {$28.00}, XXXX, which I paid in full by auto payment on XXXX. I just received my statement for XXXX which acknowledges my payment in full on XXXX, but erroneously shows that I have an overdue interest payment of {$3300.00} from the prior month. I asked BofA to recognize my pay down of principal and to adjust the interest and principal payments accordingly. BofA 's response was that no changes will be made until the interest rate reset scheduled for XX/XX/XXXX even though I paid down my principal by approx 50 %. But, even more insulting, BofA, on my XXXX statement, has increased my total payment due so that they will be deducting {$31000.00} from my checking account. 

I am applying for a mortgage with a different bank, and this erroneous overdue payment is hurting my ability to obtain a mortgage. And since I agreed to auto payments for this current mortgage, I can't stop BofA from taking out more money on XXXX than they are entitled to.

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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I was employed by XXXX XXXX XXXX back in XX/XX/XXXX I had a exam and x-rays done the dentist suggested for me to get some fillings. I was told by the current manager at that time that I wasn't gon na get charged for any services therefore I didn't sign any treatment plan regarding any charges for the treatment. When I left the company in XXXX they never told me anything about charges on my account as a patient. Later on in XXXX I pulled my credit report and their was a collection debt from XXXX XXXX XXXX saying I owed about {$900.00} when I wasn't even aware of these charges. The only way these charges were applied was for some type of retaliation against me leaving the company I have asked both the collection agency and the dental office to validate these charges with a signed financial agreement that I am fully responsible for these charges, a signed office financial policy along with signed treatment plan. They haven't been able to provide any of these documents because they don't exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
I've attempted to call several times but keep receiving an automated prompt that won't allow for human interaction. I've called because my credit score had taken a significant drop and I wanted to know the cause of this. It is my right to know, however nothing is displayed on the Experian website to explain the reason for this drop. I am also paying for a membership with Experian so that I can have access to this information and so I just want the service that I'm paying for.

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX  is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
I am a victim of identity theft. I did not open/authorize the above 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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit Bureau Equifax and XXXX have the wrong social security number for my identity listed on their account. I've worked with them to change it, and I've mailed letters with the necessary information to change it. However every couple of months, they revert back to the incorrect number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I was a victim of identity theft. I repeatedly submitted my identity theft report to XXXX and XXXX XXXX stating this account was opened fraudulently and was not mine. It has remained on my credit report and they refuse to remove it, and they continue to call me repeatedly trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been contacted by Capital One Debt Collection several times beginning XXXX XX/XX/2022 claiming I need to answer their questions. A phone number that is mine was tied to a account of a person I do not know. The company has called 12 times or more, even after I stated I was not the targeted person. They have threatened legal trouble and to contact law enforcement for fraud because my phone number was used. They aggressively stated I needed to give my name and threatened to have this treated as criminal matter, which would have immense negative effects on my profession. They refuse to stop calling and are out of line. The phone number is XXXX.

Company response to consumer: Closed with non-monetary relief