vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
On XX/XX/XXXX I paid for a full membership with my Chase credit card for an XXXX XXXX XXXX membership. Before the 30 day trial membership was over I contacted XXXX XXXX to cancel my membership. I made an appointment to meet at XXXX XXXX  and returned my key fob and was told that I would receive a full refund. I was told it would take a few weeks to show up on my card. Later I was told by XXXX XXXX that I was not to receive a full refund, but a partial refund would be allowed. Then I was told no refund. I contacted Chase and disputed the charge on XX/XX/XXXX. Chase was aware that I was out of the country and was to receive all my documents through their website login. Instead of posting documents and letters through my login they mailed important time sensitive documents request for me to respond to the dispute by XX/XX/XXXX. I received the letter from my daughter who was checking my mail. I uploaded and sent through secure message all documents requested to prove my claim before the XX/XX/XXXX deadline that Chase gave me. Chase denied my dispute on the XXXX of XXXX the day before the deadline to provide Chase with the documents they requested. I was not even aware of the denied dispute until I called Chase XXXX the XXXX to check on the status of my claim. After a lengthy phone call to Chase on XX/XX/XXXX I was told that my dispute was denied because I did not respond to the documents request. I told them I did through secure message and they admitted that nobody had even reviewed my documents. I asked for a department manager and then another manager that was over the disputes department. Finally I was told that Chase would reopen the dispute and review everything that had happened. The department manager I spoke with said that I had a very good case to dispute the charge and that it sounded like the disputes department mishandled my case. On XX/XX/XXXX I received another letter through my Chase login account that said they they've confirmed the disputed charge was valid. Without any explanation Chase validated the disputed charge. I sent them several documents showing that XXXX XXXX 's response to the claim was false. I have sent messages asking for Chase to reopen the dispute but I get no response. I've asked Chase to investigate the dispute departments handling of the dispute with no response. I believe that they mishandled it from the very beginning. Chase took the easy way out and just validated the charge even though I have proof that the charge is invalid. My complaint now is that Chase had no right to validate the disputed charge. And Chase has not provided me with any documentation as to why they have determined the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus XXXX, XXXX and experian that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX 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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JAN (LendUSA) Holdings, Inc.
State: FL

Complaint narrative:
I mailed in my mortgage payment XX/XX/2020 for initial payment to be applied XX/XX/2020 instead of XX/XX/2020. I have sent several emails requesting receipt and to acknowledge my request to apply payment XX/XX/2020. I called LendUS twice at XXXX XXXX XXXX and the response that I get is that the check has not been received and payment is not due until XX/XX/2020 ignoring my request to apply payment XX/XX/2020. I expressed my concern that the check mailed in XXXX was not received and Im expected to mail another payment for XXXX as there is no online payment process. The agent went on further to say if they receive 2 payments LendUS will apply one payment to the principal again ignoring my request for payment to be applied XX/XX/2020. 
All Im asking LendUS to do is to apply my payment sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I use PayPal, I also have account with Synchrony. Synchrony contacted me last year I believe XXXX, XXXX. They informed me my account was hacked they closed it issued me a new card. After that i paid card off, fraud and all i wanted nothing to do with this bank. They advertise 2 % casg back on everydollar spent but you dont see it after 2 months. They said paypal was responsible, I contacted paypal to inquire about it the person became rude gave me no explanation. I asked for my account to be closed, and that I no longer want to deal with them. They refused to close my account and told XXXX, were I use to shop I committed fraud. I haven't been allowed to shop there any more with out giving them my banking information which I will not do. There other personal things on my statement that's not there business. I have an XXXX credit score, I'm XXXX yr old a veteran suffering with XXXX and can no longer deal with this company on my own. I'm asking for your help, guidance. 
XXXX XXXX XX/XX/1950 XXXX XXXX XXXX XXXX XXXX PA 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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I have disputed this account with the credit bureaus and The Bureaus. I have received no response whatsoever. I do not know who The Bureaus are, or why they are on my credit, I have never done any business with them, ever. I have no contracts signed with the bureaus, and the debt remains unvalidated, but they keep calling me at home, on my cell, and at work, and I have begged them not to. I have no relationship with The Bureaus and want them to leave me alone. I believe they have been using unfair debt collection practices and also have used abusive language towards me when I asked them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. XXXX copy attached ) So it has now been

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage purchase my loan in XXXX of XXXX. In XXXX of XXXX they took money out of my escrow account to pay back property taxes ( that I did not owe ). When I questioned them they said there were back taxes for XXXX and XXXX ( I purchased the home XX/XX/XXXX ). I explained I did not own the home and in fact there was back taxes that the builder had, which were paid in XXXX of XXXX ( This was in my title report when I purchased the Home ). Chase said they had a report that there were back taxes and because they were lein holders they had the right to pay them. I asked for a copy of the notice they received with back taxes due and I did not hear back from them. I asked a branch manager where I have my checking account and she said she would look into it and the Mortgage tax department would send me an explanation. I did receive a letter and they explianed the money they took was applied to deliquent taxes XXXX, and I was not getting any money back. 
I closed my escrow account with Chase so this could not happen again and I had the home refinanced with a different mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
Delta Management Associates is out of compliance with the CARES Act. 

In reference to XXXX, Delta Management Associates states, " Delta Managements Associates , Inc. ( Delta ) is in compliance with this Act as the garnishment payment in question had already been processed prior to this being put in place. This went into effect on XX/XX/2020 and the pay period for this check ends on XX/XX/2020. '' The CARES Act is clear about garnishment date. The pay period does not matter because garnishment did not occur on XX/XX/XXXX it occurred on XX/XX/XXXX, which is the effective date of the CARES Act. 

Furthermore, this answer from Delta Management Associate is different than their previous response. They are now changing their argument as they concede that XX/XX/XXXX is included in the CARES Act.

Now Delta Management Associates attempts to argue the pay period date, which is not included in the CARES Act. 

This is yet another attempt by a predatory company breaking the law.

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 2020-04-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I submitted a dispute on my debit card. XXXX XXXX due to a flight they cancelled at the last minute. They refused to refund my debit card. So I filed a dispute with USAA. I called the CS Rep who initiated a temporary credit. I received a Dispute Letter asking for documents. This is what I told USAA : I submitted 4 documents. One was the narrative and the other document proof of my ticket after payment. Flight information and all that. 
This information was submitted on XX/XX/2020 the same date received. I received a email back that the documents were received. Fast forward last night received a letter that my credit will be reversed that they could not read a document. USAA would not give the courtesy of informing me that they could not read a document. They waited two weeks until the time was up for me to resubmit to send this letter out. I called spoke to two reps and a executive person who stated their DISPUTE department do not take calls and there is nothing they can do to rectify. Due to the coronavirus and what is going on in our world to expect USAA to be there for their members is too much to ask. I have stopped all direct deposits and removed my money to XXXX XXXX. This back in absurd and they poor bank practices leave much to be desired. I would like for this complaint to be posted to your website. I can't totally close my accounts with them until my stimulus check hit. But rest assured I will not be doing business with this amoral company ever again. USAA conveniently states they can't read a document or they say they never received a document. They are liars and I know {$270.00} is not a lot of money. Karma is a XXXX and I plan on getting as many people I know to leave USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 I contacted Citi-Bank about relief from making payments during these unprecedented economic times, a stock market crash and the XXXX XXXX Virus XXXX. Citi-Bank has refused to help me in any manner what so ever. 
My payments were due on XX/XX/2020 and XX/XX/2020. 
Please see Citi-Bank 's XX/XX/2020 attached response letter. 
This morning I was on Citi-Bank 's webpage and Citi-Bank is offering 2 months of no payments, waive late fees and no impact on Credit Card account. 
I need help with Citi-Bank 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 non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
i have been a customer here in good standing for many years. I had asked for a call back got one friday wherein i requested some follow up info. Specifically, why is my apr 18.99 for interest? when why how did that change? also asked as to the check i got the terms. can i deposit it? when will it be due WITHOUT penalty? XXXX  said she would call me on card ending XXXX nothing. i am busy not going on a wild goose chase. i tried chat got me nowhere with in accurate info. I am tired of scripts and being sent on wild goose chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
After noticing a fraudulent account on my consumer credit report, I notified the 3 major credit bureaus, affectively disputing the alleged debt. I.Q. DATA INTERNATIONAL, INC. was contacted by the 3 major credit bureaus, but has subsequently disregarded 15 USC1681 ( b ), constituting a willful violation and possibly a tort claim. 

I demanded proof of documentation with respect to either an application for credit, services or employment executed with I.Q. DATA INTERNATIONAL , INC., supporting their ability to obtain my consumer credit report. They have failed to do so and continue to violate 15 USC1681 ( b ). Civil liability for I.Q. DATA INTERNATIONAL INC. 's willful violations exist within 15 USC1681 ( n ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX  balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX  balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I took a loan from upgrade for loan amount XXXX to consolidate bills.My credit score at the time of the loan was XXXX ( XXXX  ) .The APR or rate is 32.27 % .Upgrade is ripping me off with this rate.My monthly payment XXXX, which is way to much for this loan.Also, since this coronavirus pandemic, And was laid off of work because of coronavirus pandemic, I called upgrade for there hardship program because of coronavirus.They approved a three month program with payments of XXXX.They said at the time of setting me up with hardship program, that this program wont affect my credit AT ALL as long as i pay the hardship program.My first hardship payment was on XX/XX/2020.On XX/XX/2020, I recieved a email saying im past due XXXX and im delinquent.How can I be Delinquent if im on a hardship program because of coronavirus? Therefore, My APR is way to high and cleary upgrade is taking advantage of me.Therefore, I shouldnt recieve any email saying im delinquent when im on the hardship program and this should not affect my credit.Also, if my normal payment XXXX and they cut the loan down to XXXX due hardship program because of coronavirus shows how much money upgrade loans is making off of interest.

Company response to consumer: Closed with explanation