vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : Discover Financial Servi XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.

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 2020-04-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020. XXXX XXXX disputed data on my XXXX  report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted citibank who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. XXXX  said they called and they said citi wouldnt give that info. We called citi and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to XXXX. XXXX  ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX  ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. Citibank has been in my experience horrible at reporting proper updates to the bureaus and XXXX  is not taking disputes seriously or investigating at all 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 2020-04-17 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:
XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

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 2020-04-17 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:
XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.

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 2020-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
RE-REFERENCING ON BOA COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Checking or savings account ISSUE Problem with fraud alerts or security # XX/XX/2020 My parents has receiving of much paper abundance from boa and they do seem to catch scan about two pages of such informations, so where here now I am really seeing of dispointfulness from XXXX XXXX. I don't see any real care about things but just round about says that somewhat provide whatever cover goes on here. It is contrar per says yet on these two XXXX XXXX dollar fees, these impart on hotel payments under usa currency and atm machine dispensements fee nothing per against those says round about says per say so-so it is erroring somehow here! The hotel should get paid by way of my debitcard and why instigate as if I am forced to atm all that money up at slight risks as to be out from these now questionable fees! 
The realestate quote of all true enough to reviewfully quote if you will, never gets answered. How unbelievable against whats needed about a bought highshelter of life! 
On the safepass online upgrade, no one had ever made such completion unto functionality, but at a time ago that representative did abstract corrective ways while we both go under some heightize-digitalize-synchronize hyper*connect. At that time, my account was bumped up about it but just not all the confirming a bit more. 
The XXXX dollar extra fee was to get reversed by XXXX XXXX but she never did a thing about it, it was v a r not to exist done via such internet purchasing. 
I have very critical airline matters and here two disputes to process. One of these matters was started but I asked to revert on this action, until and because of employee unbelievable irate unbelievable doings. 
- MORE - The bank of america has left my back account here to be quite convoluted by way of XXXX XXXX. A XXXX  case like heck and a dispute under processes of boa like heck in a way. A single international simple shipment delivery got into wacked out data and nondisclosure ignorances and then error admits unto more ignorances! MONTHS OF BOA RESEARCH TIME STATI ONLINE, CLOSES ABSTRACTLY POSITIVE, YET BOA DOES CARE ABOUT MY BOA ACCOUNT GETTING CORRECTED, IT STAYS STANDING IN FRAUD BY XXXX XXXX  HERE NONE THE LESS VIA XXXX XXXX, UNBELIEVABLE! 
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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I traded in my XXXX XXXX XXXX on XX/XX/2020, Financed through Capital One to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called Capital One and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/2020, for {$33000.00} an overage of the payoff of {$150.00} which capital one is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/2020. The dealer had sent the check XXXX XXXX to Californa Payoff address for capital one it was received and signed for XX/XX/2020, at XXXX XXXX  by XXXX. I also sent a letter by regular mail to capital one to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. OnXX/XX/2020 Capital one reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I booked a cruise in XX/XX/2020. Because of Covid19, the cruise was canceled and we were given the option for a full refund and I took that option. On XX/XX/XXXX, the cruiseline sent me an email that they processed a complete and full refund. 

In checking with my credit card company, I didn't see the credit so I asked that I put those amounts in dispute. In the meantime, I checked online and there was a credit all of a sudden showing on my account. I called Chase ( my credit card company ) and in a discussion, I had thought the credit showing was my dispute but as it turns out it was the cruise line giving me the credit, which was apparently given on XX/XX/XXXX but you couldn't tell from looking online that it came from the cruise line and it had a date in early XXXX yet Chase told me they got my money on XX/XX/XXXX. 

On XX/XX/2020, I called Chase, spoke with a XXXX and asked that my negative credit balance be sent to me in a check. I explained that I needed to have my money back as I didn't have a " trip '' and since it was credited back to me, I wanted a check. I also advised that I wouldn't use my card anymore till this was resolved. On XXXX XXXX told me that it could take 7 to 10 business days for Chase to send me a check. 

I called Chase again end of week around XX/XX/XXXX to see if there was any progress. At that time the representative told me they received my request for a refund on XX/XX/XXXX, which was 5 business days after I requested it. I was beside myself so I asked for a supervisor to call me. On Monday, XX/XX/XXXX, I received a call from a SUPPOSED Chase supervisor telling me not to worry that the check was already in the mail and had been mailed. 

Late on XX/XX/XXXX, I called to see what the status of the check was. I know it was not mailed because when I check online, it shows still a negative balance on my account of {$2200.00}. If they had mailed a check it would show XXXX. I got another representative on the line that said they received my request on XX/XX/XXXX and they are working on getting me a refund check. 

Now the day before, I was told by their supervisor that it was mailed. On XX/XX/XXXX, I was told it would take a maximum of 10 business days to mail a check which would have been on XX/XX/XXXX. And today on XX/XX/XXXX, I'm being told they are " working on it ''. Chase has been lying to me all along the way, meanwhile holding onto my money that I NEED because I have surmounting bills and they have no right to keep my money. They should be paying me interest at this point : ( It's not even that the cruise company held out and didn't send me a refund..They did but Chase isn't releasing me my money. I need this resolved as soon as possible. I don't believe anything they tell me any more. I feel that their actions are CRIMINAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
After finding out in XXXX ( while trying to get better interest rates and an increase on another card ) that my credit report had an incorrect late, recent payment reporting on my account I filed disputes with credit bureus and filed a consumer complaint about the situation so XXXX executive office took the case and only spoke to me about the problem and how it was being corrected, nothing about compensation and why I asked for it. She has sent necessary paperwork to have my credit report corrected but declined to compensate me for the months that the company has incorrectly reported on my account only ( was a  joint account and other borrower stated his account wasn't affected ) even though in an email I told her that it has negatively affected me. I've been seen as a risk because there was a recent late payment which is still reporting thus far and my credit score is lower than it should've been ( should change within the month hopefully ) and I have documentation from when I applied for an increase in credit that also shows that this was a factor when I applied. Had I not been looking into better rates or an increase in credit this could've went on for more months if not years and has caused me to pay more money in finance/interest charges and it's due to no fault of my own because late payments affect your credit score. As you'll see I've been given the run around quite a bit dealing with varies representatives with the bank, I called back in XXXX and XXXX verifying things were fine only to learn while conducting business elsewhere in XXXX/XXXX  about this negative payment that I verified back in XXXX should've fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have 2 accounts with the credit cards both of them close I don't understand why still not sure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After reviewing my credit report, I noticed a number of identity theft accounts and addresses that I previously reported to this bureau as not mines, as they are a result of identity theft, the bureau refused to block, dispute and even failed to acknowledge my communication at all. In fact, I never received any communication from them regarding my dispute. I never authorized anyone to use, borrow my information, or pretend to be me. However, my information is being used to the point I am being sued and have had to retain an attorney to not only defend me, but to sue this bureau for its willful failure to comply with the federal rules surrounding identity theft victims and credit reports. 
Further, this particular bureau, deleted some accounts that are identity theft ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX  ) ; and then reinserted them back into the report even though the furnisher of the information advises my attorney that they are no longer reporting it because it is identity theft. 

No other bureau is giving me an issue and is refusing to comply with federal rules. This bureaus has been so defiant and willfully non-compliant that they even initially refused to respond to my previous complainant I filed with the CFPB, by stating it appears to be written by someone else. This is crazy.

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