vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
Return items to store for full refund on purchases. Credit lender " MyECP '' kept multiple pay your way payment plans instead of the one for the item purchased and one plan belonging to item. This created two plans with monthly charges, one with the incorrect amount of months listed, increasing the payment amount due to less months with a higher payment. This was not the agreed upon payment plan. The company refused to resolve this matter after multiple attempts, first time stating that the plans were incorrect. Now dealing with incorrect fees and payments and creating a hardship due to false reporting.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : XXXX XXXX account was with XXXX balance last updated on XX/XX/XXXX. 
Company name : XXXXXXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 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: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: ID

Complaint narrative:
Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Today I received a letter from resurgent capital services claiming they I wrongfully owed {$910.00} claiming to belong to XXXX XXXXXXXX XXXX and that XXXX XXXXXXXX XXXX XXXXs a scam and somehow they tried to route Resurgent capital services to pay the wrongful debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried to open a CD account at Penfed which was promoted online. I opened the account online and they sent me the signature card requesting to sign and return with a deposit fund. I signed the card and sent it with a {$50000.00} check. After they cashed my check they told me that my social security card and ID card copies are not acceptable. I asked them to refund my money. It has been over a month since I have been calling them every week and asking for my refund and they say I get my check in 5 days, but no check yet. I am running around, losing money on my fund while they are making money on my fund. Why if there was a problem with opening an account they cashed my check? Why have they been making me run around for over a month and not refunding my {$0000.00}?

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to make a payment in XXXX of 2019, and the payment was returned due to some unknown reason. I was not notified of this. Everything was paid in full when I voluntarily checked my account for an update. I had an address change that I communicated and never received statements from XX/XX/2019. I spoke to a representative of Chase and was told that there was nothing they could do to ameliorate the situation. I also have no e-mail communications on record from this account to my e-mail on file, leaving me with 0 communication methods to know that my payment was returned or that my payments were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

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 2022-02-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

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 2022-02-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC.
State: TX

Complaint narrative:
Received three calls about a debt from 2014 that I already settled. Voicemail implying a threat of litigation. Agent with collection agency immediately started being condescending. On second call, another agent named XXXX XXXX introduced himself only as XXXX and refused to provide his full name, or state he was collecting a debt. XXXX XXXX proceeded to read off my name, social security number, and date of birth quite loudly and without verifying who I was and Id like the max punishment for that move, if there is one. He doubled down and said he do my bank account number next, all in the combative tone of a child playing video games. His supervisor XXXX backed him up and called me several names and was generally argumentative. Youre a scammer. Whoever these people are, they have no business having access to peoples information. There isnt a professional adult in the building. They call from ( XXXX ) XXXX and ( XXXX ) XXXX. Yall need to find them before I do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
Hi there. I hope it is not too late to file the complaint. 
The SSA issued my benefits in a Direct Express card. My card was stolen after an ATM withdrawal and several unauthorized transactions were made.

Most were done as credit or cash purchases not requiring my PIN. 
I alerted Direct Express and they said they would look into the situation and investigate the fraud-including reviewing security cameras at XXXX XXXX were most were done. 
In the meantime Direct Express issued me a provisional credit. However, XXXX  did not investigate and after many attempts to resolve their inaction they took back the credit. 
Please see attachments for the charges-including a charge to a wig store-Im a male and dont wear wigs! lol Also I do not eat at XXXX. Thanks very much for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Our mortgage was sold to Chase on XX/XX/XXXX. We are set up to automatically electronically pay our payment each month. On XX/XX/XXXX, and on XX/XX/XXXX the payments were electronically transferred for the payments due on XX/XX/XXXX and XX/XX/XXXX, respectively. On XX/XX/XXXX I got a call from XXXX at Chase saying that we had not made a payment since XX/XX/XXXX. I informed that we, in fact, had and provided him the details of the e-payments and when they were made. He requested that I get details of the payments from our bank to help them find the missing payments. XXXX also stated that this process usually takes 3-5 business days. I called our bank, got this info, called Chase back and talked with a rep named XXXX, whom took the info and stated he entered it into the investigation file. Next communication from Chase was in the morning of XX/XX/XXXX, when I received another call from Chase about our mortgage being delinquent. I informed them that I had already spoke with the other reps, and was thinking this should be resolved by now. I gave them the info about the payments again. I followed up the next day, speaking with XXXX on the afternoon of XX/XX/XXXX. This conversation was productive in that we were able to verify that the mailing address was correct, and that the investigation was still open. On XX/XX/XXXX, was informed that they needed another piece of info, that the Chase rep termed a electronic type line transmission from our bank. I called our bank to request this, and no one there had any idea was this is. I went to the local Chase bank and spoke with a mortgage rep there ; she had no idea what this was either, so suggested I get any info from my bank I could. So I got the trace numbers for these transactions ( this was all the other info that there is for these transactions ) and had the local Chase branch fax this info to the investigation department. I call Chase back later that day, and the person I talked with was unable to verify if the fax had been received. On XX/XX/XXXX, we received in the mail paperwork to fill out to see if we qualify for assistance, and if not would face foreclosure! Today, XX/XX/XXXX, I called again and spoke with XXXX, whom confined all the info was in the file, and would escalate the file to get priority service. This has drawn out too long, and now we are being threatened with foreclosure when, in reality, we have not been even a day late on our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a credit dispute letter to TransUnion of my own free will ( the letter was mailed out on XX/XX/2022, and received by them on XX/XX/2022 ) ; However, the automated system believes that I am using a third party and that I did not send in the reports myself even though no third party company was mentioned in the letter or used to send the letter out and it was hand-signed by me. Instead of trying to verify who sent the letter TransUnion took it upon themselves to disregard my credit dispute and send me a letter implying that I am lying about using a company ( the letter was received by me on XX/XX/2022 ) and that I needed to state the company that I am using. I'M NOT USING A CREDIT COMPANY!!! I spoke to a rep from TransUnion on XX/XX/2022, and he stated that they can not verify me over the phone and that I needed to resend the same letter with and send a cover page for it with my personal information that is stated ON THE FRONT OF THE LETTER they already received. TransUnion is prolonging this dispute process which is harming my credit even more. The letter that I attached to this complaint does not have a signature because it was typed on the computer however the letter they have was printed and signed by me and they have it scanned in my file to prove so.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/22 I received my statement from Capital One. Their was a charge of XXXX dollars for a late fee on there. I called Capital One and spoke with a representative that was not rude she was just XXXX. I explained that I had this fee and she responded with what do you want Capital One to do about it. I advised that I was hoping for the fee to be waived due to the following : -I always pay my bill on time -I have not received any late fee reversals -It was a miss that I paid on the wrong card She said she would check and that the " system '' told her that the fee could not be waived. I asked her had I ever been late or requested a fee refunded before, and she took a few minutes to check and advised that no she did not show that it had. However, the " system '' told her that she could not waive the fee. I asked to speak to a manager, and the manager was unwavering. I explained further to her that I had paid the credit card off prior to billing close date ; furthermore, I expressed to her that I have been a really good customer. She advised that the research was done by the prior agent and that there was nothing to be done. I explained to her that the agent advised only that the system told her so their was no independent decision that was made.

I have two issues with this, with the first being that if I had mailed the payment on or prior to the due date I would not have been charged because 25 day due date is to allow for mailing a payment in so as long as its received by the close date there should not be a fee. Capital One received my payment on the day the billing cycle closed.

The second issue with this is somewhat more devious. What algorithm is used to determine what fees for customers are credited or not credited. Then the question is what data is used for this, is used to make this decision is it race, age, geographical region, political, consumer credit, or religion. Then the question comes into play how often is the " system '' tested or calibrated, and by whom is it calibrated by. 
The issue with this is more than what I am assuming the company is going to say that the " system '' actually ensure no bias behavior, but then one could question who programs or test the " system '' and how do we know that just like the banking industry in the XXXX used discriminatory practices to shape where people lived based on housing algorithms. 

The professionalism with both representatives of the company were of concern.

Company response to consumer: Closed with monetary relief