vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
XX/XX/19 I applied for the Apple Card, based upon information from Apple employees that I would be able to finance an XXXX on Apple Card Installments by the end of the year. I decided to open the Apple Card, instead of applying for their 0 % XXXX loan/card to finance the phone. 

XX/XX/19 Apple Card Installments was announced on Apples website officially. There was nothing detailing that you would not be able to use this feature if you purchased a sim-free phone. 

XX/XX/19 I purchased the phone with my Apple Card. I was unable to purchase it using installments. 

XX/XX/19 I spoke to an Apple Card advisor via text who stated that I would return and repurchase the phone, order to get the 0 % financing, and that it shouldnt be an issue. 

XX/XX/19 I went to an Apple store to try to re-purchase the phone under the installment plan ( per an Apple Card advisor ), and was told that I could not use this feature unless I purchased the phone through a phone carrier ( such as XXXX XXXX XXXX ). I dont live in the USA full-time and can not be tied to a phone carrier, so this was not an option for me. 

Also, as of this date there is nothing listed on their website that you need to purchase through a carrier. As such, this is false/misleading advertisement. 

I spoke with several Apple advisors to confirm this policy. 

If I had known that I would have had to purchase through a carrier in order to use Apple Card Installments I would never have opened up the Apple Card. I would have opened up the XXXX card instead for 0 % financing. But now, I am stuck Financing this phone at 12.45 % interest because I dont want to ding my credit by opening up a second credit card/account immediately after opening a new account. 

This is deceptive marketing at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
Experian inaccurately is reporting eleven ( 11 ) inquiries on my credit report that I do not  recognize. The credit report inquiries are : XXXX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Removal date : XX/XX/XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-12 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: VW Credit
State: CA

Complaint narrative:
Thank you so much for taking the time to read this complaint I have a dispute with XXXX  reporting incorrect data on my credit report as well as VW CREDIT reporting incorrect data as well. 

I have reached out to VW CREDIT and they have failed to provide proper documentation for this dispute they have not validated this debt. 

VW CREDIT have not provided a contract validating this debt. 

XXXX  is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Home depot / Citibank credit card issued by Home Depot in XXXX XXXX Ohio, XXXX. Bought a new home and decided to have Home Depot install new floors. Decided to get and use the Home depot credit card and use it to pay for the floors. After the floors were installed and all problems were resolved paid the account off, {$10000.00} ) paid in cash ) .Ordered floor in XXXX, job still wasn't complete. We had to move on XX/XX/XXXX. Baseboard and grout work was still not done. Job was finally finished two weeks later and we signed off so the charges were started. Received the bill XX/XX/XXXX with a late charge on bill. Bill was due XXXX XXXX. Paid entire amount off {$10000.00}. Received a new bill XX/XX/XXXX stating we owed {$58.00}. Called Citibank and made a complaint about the bill arriving after it was due and the fact we couldn't know of the payment date until we received the 1st bill and that we had paid the entire amount off. The person at Citibank said they saw the error and that we owed nothing and they would fix the problem. I thought is was over. Received a new bill XX/XX/XXXX stating that I owed {$58.00} again, one {$28.00} late fee and a {$30.00} late fee for not paying the 1st late fee. I owed them XXXX. The account was to have been closed.I called Citibank and talked to a supervisor named XXXX and explained the situation. She pulled up the notes and said that she saw the problem and we owed nothing and she would resolve the problem. Today XX/XX/XXXX, I received a phone call stating that my account was overdue. Again I called and again I talked to the same lady and again she said I owed nothing and that she would fix the problem. But as you can tell I don't believe her. My credit score is over 800 and I would like to keep that way. I would like to close the account permanently, but my friend did that and it messed with his credit score. I am also worried that if I just don't use the card again, they might close the account and it show up on my credit score as an unpaid account. Whatever you can do to help me with my situation would be greatly appreciated. Thank 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 monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Because of their security breach Equifax consequently was ordered to pay {$100.00} to individuals or offer credit monitoring services. I already had and still currently have credit monitoring services and I do not wish for Equifax to handle credit monitoring services on my behalf based on their last " fiasco ''. They issued me check number XXXX which I have not cashed in the amount of {$12.00}. 

Equifax has arbitrarily gone against my decision to be paid {$100.00}. They have decided for me that they are only paying me {$12.00} ( an {$87.00} ) difference than what they were told to do. They did the same thing to my husband and he was told because he did not have credit monitoring services they only paid him {$12.00} ( this also was not true ) and they completely disregarded my daughter and did not issue {$100.00} or {$12.00}. This company, and credit reporting agency, apparently is doing whatever it feels like doing AGAIN. 

I want my check for {$100.00} period. They can not and will not force me to do business with them beyond what is already required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NM

Complaint narrative:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: NM

Complaint narrative:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX   XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I paid my XXXX credit card balance in full using the automated phone system in XX/XX/2019. The payment submitted after XXXX and I accrued a late fee. I called the credit card company asking to have the late fee waived because I paid my balance in full and it was only a matter of a minute that it was submitted late. 

The customer service representative was agreeable and assured me that all charges were reversed. She said I might receive a billing statement with the late fee still on it, but to ignore it because my balance was {$0.00}. 

I have continued to receive more billing statements with a late fee due. I called today to inquire as to why I am still being billed a late fee on a {$0.00} balance. The representative said I had incurred a minimum interest charge due to my late fee. I stated " How can I incur a minimum interest charge on a {$0.00} balance? ". The representative stated " There was a minimum interest charge from my XXXX bill that carried over. '' I again stated " How is that possible to be charged anything on a {$0.00} bill? '' I explained that I had paid my balance in full and the other charges were reversed. The representative stood behind the fees being charged which are now over {$55.00} to date. I thanked the representative for her time and informed her that I would be filing a complaint due to such dishonest credit card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
There is a line of credit being reported by Experian for XXXX XXXX XXXX for the amount of {$49.00}. Now this is an error because XXXX  XXXX XXXX provided an statement in which it shows a XXXX balance and I have forwarded this letter to Experian Twice and they claimed they have verified it with the source? how can this be when XXXX gave me the letter themselves stating XXXX Balance.

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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This complaint is to XXXX XXXX the agent of AmSher this is a official notice Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with XXXX XXXX XXXX XXXX in regard to the referenced deb . Please delete this account XXXX XXXX from your database.Please cease/desist using the name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX this is a trademarkname and LLC. We are not sure how or why you have this account and protected name in your office. We would like to end any assumed business relationship that may have been confused for any contracts for business. We failed to find any contract for business between AMSHER COLLECTION SERVICES , INC AND XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CLAIM ID : XXXX XX/XX/2019 ADDENDUM OF SUPPORT On XX/XX/2019 Ive managed to purchase a headwear at XXXX XXXX shop for the amount of {$150.00}. However, after a single wear I wasnt satisfied with a material, which has been used in that specific item altogether with the whole quality of the headwear. 

Ive addressed my concern to XXXX XXXX Customer support over the phone and vocalized my intention to return the item. Due to that, I have been addressed to the XXXX XXXX Return and Refund policy ( copy of it attached in PDF ). Ive followed the steps of the Return policy and managed to return the original item with XXXX Ground via XXXX to XXXX XXXX, NC. The package had been delivered to XXXX XXXX, NC on XX/XX/2019 ( copy of it attached in PDF ). 

Nevertheless, Ive returned the item back to XXXX XXXX facility, I havent received a credit back to my XXXX account, so Ive filed a dispute for the amount of {$150.00}. 

On XX/XX/2019 Ive been contacted by person, who introduced himself as XXXX, representative of Chase Card Services Department. That person addressed to my concern, that merchant is rebutting the dispute and quote claiming that the sale was final due to the fact that the item has been considered to be vintage and buyer had signed for that end of quote. 
Considering that data, I have to state : a ) Ive never consented to NO RETURN policy during the purchase, nor it has been publicly disclosed, additionally none of XXXX XXXX website information claims such thing ( copy of it attached in PDF ), b ) None of XXXX XXXX Return and Refund Policy mentions such category as Vintage ( copy of it attached in PDF ), c ) The visual fragment, which representative XXXX claims to call mine is false the only signature I use is visually different and copy of it could be found below this addendum. 
d ) XXXX XXXX violates my rights under Public Law 93-495, Section 166 15 USC 1666e. 
e ) XXXX XXXX conspires to commit a fraud by 1 ) falsifying my signature and claiming to be mine, 2 ) doctoring the receipts with something, not even mentioned on their website. As a matter of fact, such business activities already had been reported by me to FTC ( copy of a report attached ) and NYS AG Office.

[ End of page 1 ] Therefore, considering everything mentioned above, Im kindly requesting CFPB to inform Chase Card Services, that Im requesting to debit my XXXX account for the amount of {$150.00}, due to the fact, that Ive returned the item back to the merchant within shops return policy and never been reimbursed. 


I have retained a copy of this letter for my personal files. 



Regards, XXXX XXXX XXXX [ End of page 2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
With funds available in account I was charged an overdraft fee. This overdraft fee put my account into the negative. Without this fee the next purchase would have also been covered. Now there are two more purchase that posted. These would count as overdrafts. That's two overdrafts instead of four. This is if the money is considered out of your account at posting time. 

If PNC considers your money out of your account at transaction time the transactions went XXXX, XXXX XXXX, XXXX  and then XXXX XXXX. There were enough funds to cover the first three purchases but the fourth bout me over. So only the forth ( XXXX XXXX ) would have been an overdraft. 

PNC is counting the money out of my account at pending but then again at posting leading to overdrafts for purchases that have enough funds to be covered.

If it's counted at transaction time I am owed 3 reimbursements of {$36.00}. ( {$100.00} total ). If it is considered at posting I am owed 2 reimbursements for wrongful overdraft charges ( {$72.00} ). 

I can not attach any file until I receive my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

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 2019-12-12 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a flyer in the mail stating I was pre-approved for a loan. I followed the steps to apply online and was approved for {$840.00}. On XX/XX/XXXX I went into the store to complete my application and provide the required documents ( Drivers License, bank statement, debit card, and proof of income ). When the agent looked at my income she said they couldnt accept TANF as proof of income ; I challenged it and she asked another lady in the store. The other lady made a phone call and stated the same thing. I asked for a statement of denial. I called the number on the statement of denial. The agent there asked if she could contact the location I went to and call me back. When she did she said the same thing about my income. I repeatedly told them they could not deny me simply because I receive cash assistance, that was to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is refusing to remove a fraud alert. They say I gave them the wrong social security number when I requested it be removed. That is not true. I triple checked my forms for accuracy. I am in the process of refinancing my mortgage and they are holding up the process.

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called Equifax over fifteen times in the past two weeks trying to find my credit account. They do not have any credit history on file despite me having a credit card for over thirteen years. I am able to get credit history and reports from XXXX and XXXX without issue. Equifax has either lost my account or data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called today XX/XX/2019 to the chase bank, due to finding out of a account being opened under my name with no knowledge of it. And they did nothing to help me on going as a victim of fraud. I'm so upset and furious customer service is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account was reported to my credit report years ago. I sent a letter of dispute to the creditor and asked for proof of the debt. I also sent a request to the collection agency Midland Funding for proof that I owed this debt. I have no knowledge of the debt and have never had a credit card through XXXX XXXX XXXX XXXX. Midland Funding continues to report past due payments on my credit report and it has affected me and prevented me from getting other sources of credit. XXXX XXXX has been sending me pre-approved letters and emails for credit cards. If Midland Funding records show this debt, why is XXXX XXXX XXXX  XXXX. ( the original creditor according to Midland Funding LLC ) sending me pre-approved credit card inquiries? I have attached one of those letters from XXXX XXXX XXXX The bank wants me to sign up for a credit card but their collection agency tells me I owe them money. Midland Funding is being fraudulent.They are trying to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Again, this is my second complaint with Portfolio Recovery Associates. I am wanting to know WHY theyre not providing a copy of the original signed contract between the original creditor & myself! I have requested numerous times & uploaded proof. They continue to send me copies of bills & statement. They have NO physical proof or can not even verify these accounts are in fact mine. Why are there federal laws in place if they arent held to meet them!!!!?????

Company response to consumer: Closed with non-monetary relief