vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
JP Morgan Chase Bank, N.A. advertised an offer on the internet to get {$150.00}, I believe, if I opened a savings account and kept the money in it for 90 days. I applied for the account XX/XX/21, I believe, with special offer included and twice did not receive confirmation of the inclusion of the special offer. I declined to follow up the laborious application process with a call to the company when i did, however, receive confirmation, XX/XX/21, I believe, of the opportunity to open the account if my application cleared ; I h0ped they would also honor the offer they had made. I question their honesty. It seems too convenient that my application would clear but the special offer would have some sort of unintended software problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
See attached letter from Credit Acceptance, which shows a balance of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, my credit report is now showing a balance of {$4300.00} from Credit Acceptance, as of XX/XX/2021. This company is attempting to commit fraud.

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 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The credit card company is raising the minimum due on my card 's balance. In the past three or four months they have raised the mount twice ... with no notification, on the amount on the statement. They are notorious for not providing quality notification and using cheap tactics. I have two cards with Chase. They closed one card because I wrote to them in disagreement with raising the interest rate. I called on it and they said it is because the Federal Reserve is raising. The Federal Reserve lowered the rates. My initial minimum due was {$10.00} in XXXX. I have never overused or extended my credit. I worked on establishing credit. I paid my card off in XXXX. I have not had a late payment in many many years and only a total of two maybe three late payments. If they have been late it was an error in postage or something similar. There is no explanation. I have had an issue with someone taking my cards and putting them back in my purse or file. I am not certain who was the culprit or why. Someone just needing to control. I am messy but very clean For example, my floor and baseboards are clean, but there is sewing stuff all around or if I get busy, I leave my project there and work on it when I can. The person is real and the person just likes to XXXX with my head and prove I do not have " XXXX '' I am someone's obsession. In fact, I went on vacation for two days in XXXX XXXX at a dirt-cheap price after staying in my room a year. I paid cash except for the two gift cards I put on my credit card for rewards. I paid Chase back for the cards almost immediately. When I arrived at my hotel they required a credit card. I had under a {$100.00} balance because I paid off my card in XXXX right? I get a text and the hotel said the credit card was declined. I am having a really good lunch while waiting for my room. And that's the disruption. I do not have XXXX. I finish go to the hotel and they tell me it was authorized. My bank card did something similar last week at XXXX XXXX. I had to put it on my credit card. They declined my credit card. They know when I am paid. I pay credit card on time!!!! I have never made a late payment. I want the minimum due down there. I wrote to Chase in the Secure message website., a customer service rep, " XXXX '' said Chase won't change the minimum due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Currently on a XXXX XXXX and need supplies. Was advised that I have medical bills in debt collection but never received any notification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account was payed as agreed and I would like this account removed from my credit report and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: WA

Complaint narrative:
someone hacked into my XXXX  and created a Xoom account, I have never had/used xoom prior to the incident that happened on XX/XX/2021. someone wired money to themselves in XXXX in the amount of {$240.00}. I did not authorize the transaction XXXX. When I went to check my email someone created this Xoom account at XXXX XXXX  PST and made the transfer at XXXX XXXX  pst. By the time I went to log in and change my password this transaction had gone through I tried calling Xoom and was on hold for over an hour and still no answer I have called multiple times since then but its the same thing. I have emailed them and they denied my claim as a fraud because " The transaction ( s ) claimed as unauthorized are consistent with historical records ''. But I don't know what historical records they're referring to when I have never used this company and I didn't have an account through Xoom. I currently live in Washington and the login for Xoom was first made in Arizona. After XXXX  I saw that many others had this situation happen to them as well. I am now getting email that they're trying to collect a debt in the amount of {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 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: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NJ

Complaint narrative:
XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on XXXX credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section XXXX ( a ), it plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items from XXXX credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands.

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 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received collections letter in the mail that PayPal Inc had sent my account to collection and that my balance was {$360.00}. I contacted PayPal and they said my account was never sent to collections. 

Letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 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: WA

Complaint narrative:
I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.

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 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive had this card for over 18 years and they offer reward points that can be redeemed for store cards. I accumulated XXXX point which qualified me to receive a XXXX XXXX card for {$250.00}. I requested the card in XX/XX/XXXX. I didnt receive it within the timeframe that they stated. I called them in XX/XX/XXXX and they verified that I didnt receive the card so they added back the XXXX points so I could request the XXXX XXXX card again. I did so and the same thing happened. I didnt receive the store card. I called them again in XX/XX/XXXX and was advised to file a claim for an investigation so they could research the issue. They also credited my account with the XXXX points and I redeemed them again for the XXXX XXXX card. I filed the claim over the phone with them and nothing was done. I didnt even receive a call to advise me of the outcome. Again, I called them, at this point it was already XXXX. They credited the points back to my account so I could redeem my rewards again. At this point I gave up requesting the XXXX XXXX card to see if I would have better luck with a different reward. On XX/XX/XXXX I redeemed the XXXX points that I had accumulated. I requested several store cards which to this date XX/XX/XXXX I have yet to receive. Is there anything you can do to help me get these rewards that I have earned? I really dont want to spend anymore hours on the phone with them and not get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: PA

Complaint narrative:
XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX XXXX and Experian did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the XXXX  breach and may have gotten in 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 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/XXXX, I purchased a XXXX XXXX XXXX vehicle for XXXX, XXXX which was XXXX dollars over actual value. At the time I was XXXX and had no idea what I was doing. I was suffering from XXXX XXXX and was using XXXX  and was taken advantage of by the dealer and the lender. I contacted the dealer twice and received no response and received no assistance from the lender Wells Fargo. My account number with Wells Fargo ( XXXX ) is XXXX. I can not pay this loan as i am unable to work as i am currently under the care of a XXXX 

XXXX XXXX XXXX XXXX ct XXXX fl 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 2021-05-01 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: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: WA

Complaint narrative:
I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
XXXX Applied for a {$20000.00} vehicle loan and between XX/XX/XXXX and XX/XX/XXXX I had to document and explain an negative credit on my credit report. 
XXXX-Reviewed credit report and found that my ex husband had completed and signed a loan modification on an existing mortgage. This loan modification was with a new vendor, new payment amount and new payment terms. I had not been notified or signed or agreed to this contract. 
XXXX I called the vendor and obtained the account number and requested documentation that was signed on the closing of this modification. I was told that there was a signature page with my signature and it had been notarized. I requested those documents because I had not signed any such documents. 
XXXX After 4 phone call attempts and a whole day wasted, I finally received those documents which I will attach to this complaint. After receiving the documents, I noticed that the signature page that was mentioned was not the signature page of the loan modification agreement. It was the signature page from my divorce property distribution order that happened almost 1 year earlier to the date of the modification. 
XXXX-I called the vendor and talked to multiple people trying to make them see that, that was not the appropriate signature page and that my signature never shows up on the contract. Which means I did not agree to that agreement and that they were missing the court order stating that any changes to the original mortgage was be modified to remove my name and be in my ex husbands name alone. The last conversation was ended with a lady going to investigate and call me back. Now 2 weeks later I have received no such call. So I sent a copy of these documents to my lawyer. 
XXXX Community Loan Services or Bayview Amount roughly {$95000.00} where the original mortgage was down to roughly {$84000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: FL

Complaint narrative:
My card was reported stolen but I am be charged for it.

Company response to consumer: Closed with explanation