vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase offered me a balance transfer with a 0 % promotional APR. I was in a rut debt-wise, so this came as a godsend as it would help me pay off my debt faster by avoiding interest payments. Before I took the offer, however, I asked questions regarding how transferring over a balance from another card to my Chase Unlimited Freedom Card card would affect the balance that was already on the card. I was specifically and repeatedly told that the minimum payment due will go to the balance with the lowest APR, and that any further payments beyond that would go toward my highest APR balances. I asked to confirm that if I were to pay the total purchases balance for the month that I would not be charged interest and I was told that that was correct. 

This is the reason I took advantage of the offer in the first place, as balance transfers are done to save on interest payments. I had a pretty hefty transfer, so there is no way I can pay it off in any short time-period. This basically means I have to not use the card anymore or face extra interest payments. I wanted to continue using the Unlimited Freedom card because it earned 1.5 % in cash back rewards but if I am charged interest regardless, there is no amount of money I can spend where it'd be worth it, as the effective monthly interest rate is higher than my rewards rate. I would have NEVER transferred over the balance if I was not lied to and told that I could ensure that interest charges would not occur by paying my monthly purchase balance. 

I have already faced hundreds in additional charges, which has made this balance transfer more expensive than simply leaving the balance on my prior card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was purchasing merchandise from a private seller named XXXX XXXX he informed me that he had Wells Fargo banking and to transfer the money through XXXX which is by Wells Fargo customer. I sent XXXX XXXX {$400.00} thats went through and I never received my merchandise. I have not been able to get ahold of Mr. XXXX at all. XXXX also stated that he has a Wells Fargo account. I contacted Wells Fargo to disput my issue of being scammed and asked for a refund and they told me they can not. XXXX XXXX scammed me for {$400.00} and Im requesting a refund.

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 2019-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In Inquiry from XX/XX/XXXX 2019

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 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX. 

Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX. 

I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX. 

I never received a notice. I never received a call. No communication was made. 
i have tried to contact them and they have not responded in any manner. 
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: EQUIFAX, INC.
State: ID

Complaint narrative:
This complaint is about Equifax. 

In XXXX the OPM ( office of personal management ) was hacked. A short time later XXXX XXXX XXXX XXXX was hacked.

We put credit freeze on Equifax, XXXX XXXX, and XXXX.  

With the Equifax web sight I has problems and they never sent us a PIN number to be able to lock or unlock OUR data. My wife contacted Equifax for help and after security questions we answered Equifax sent two letters to our mailing address. The one for my wife stated that they had no record of her. How could they have no record of her when she has received a credit report every year for about 15 years. 

For myself, I received an E-Mail from Equifax stating : " Recently, we attempted to deliver a letter to the mailing address on your credit file, however the mail was returned.Please contact Equifax at XXXX  to complete the verification process and begin using your product. Thank you for contacting Equifax. '' My mailing address has not changed from when I received it in XX/XX/XXXX.

Equifax told me in order to receive a PIN Number to mail them information : A copy of my drivers license, My SS #, Two utility bills with my name and and mailing address.

After being irritated for 3 to 4 days because of Equifax, I received a PIN # by US Mail.

Coming from a company that has been hacked and took a very long time to report that our information may or may not have been compromised. They can not even keep our information safe let alone keep track of information that can affect you future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In or around the last week of XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX  in XXXX  XXXX XXXX , Arizona , I was denied a loan based on information provided by Experian Credit reporting agency . I believe the credit score they provided and other relevant information is outdated and incorrect. I wrote Experian a letter, dated XX/XX/XXXX and demanded a copy of my credit report! Apparently, Experian does not believe in following the law as I have still, as the date of this complaint, not received a copy of said report! I want the report sent to me immediately!

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 2019-02-06 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: DISCOVER BANK
State: LA

Complaint narrative:
The following inquiry was not authorized, please remove from my report. 

Discover Bank Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, I Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX In Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...

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 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have contacted Ally Financial several times regarding a negative report on my credit file. Ally Financial is reporting my payment for the month of XXXX was late. At the time my payments were due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$1300.00}. Contacted Ally to change my due date and was told I had to pay {$140.00} to change my due date from the XXXX to the XXXX. I paid {$140.00} on XXXX. My new payment date would not take effect until the next month XXXX. Ally can not explain to me how my XXXX payment was late in the several calls i have made. I am just told they can put in a dispute that takes 30 day only for me to get a letter that says their right with no other explanation. I called again and was told i could not talk to the credit department that reviewed my account but that they could put in another dispute that takes another 30 days. This is unacceptable. I need Ally to explain how my payment was over 30 days late for the month of 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 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. 


XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I ate at a restaurant on XX/XX/2018. The original bill was {$29.00} and I added a {$3.00} tip for a total of {$32.00}. The restaurant modified my receipt and changed the tip amount to {$8.00} for a new total of {$37.00}. I disputed the new charge on the basis of fraud and the bank initially refunded my account. The restaurant provided a copy of the receipt and the bank subsequently reversed the credit and charged me the full amount. The receipt provided by the merchant clearly shows the intended total I wanted to pay was {$32.00}.

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 monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
Was supposed to be able to open an new account after my charge off was cleared. Now I cant because usaa didnt correct information with XXXX. I AM WITHOUT MY FUNDS STILL!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: VA

Complaint narrative:
I rented a car from XXXX in XXXX, XXXX on XX/XX/2018 and I returned it on the scheduled drop off day. When I returned the car I checked it thoroughly with the XXXX agent present and no damages where found. I was also asked to sign a report stating that no damages were found to the rented vehicle. On XX/XX/2018 I noticed a charge of {$350.00} on my credit card from XXXX. I did not authorize this transaction, and I did not know what this charge was for. 
I disputed this transaction with Chase, my credit card company, but my dispute was denied because " We [ Chase ] found no evidence of a billing error based on our research and the information available to us '' ( Letter dated XX/XX/2018 ). This letter came with an invoice for damages - XXXX euros and fee XXXX euros - but no other details or documentation about the alleged damages. 
Since I did not damaged the rented car, I asked Chase to reopen my dispute case ( Claim ID : XXXX ). 
Last month I received a letter from Chase dated XX/XX/XXXXstating " We [ Chase ] confirmed that the transactions you disputed are valid '' and " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred o your account. '' " We [ Chase ] maintain that the charges is valid based on the information available and the results or our research ''. 
The disputed charge is totally arbitrary and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been trying to get my Mortgage company starts reporting my payment history to all credit bureaus for a long time. I was told to send in a letter stating that I want them to start reporting to all credit bureaus, I did that on XX/XX/XXXX. Prior to that I have been calling and asking them. I didn't think I have to do that. My loan was sold to them on XX/XX/XXXX. When my old mortgage company closed due to a new company, my score dropped XXXX points. I did not ask for this sale but it happened. I have been calling to see why they have not reported. I was told they did but they have not. I do not like getting the runaround. I received a call from one of the managers for two days ago, I was told that I have to call all credit bureaus to do an investigation, only XXXX  did that and not the other two. I was told that my mortgage have to start reporting because they have no record of this account. When I apply for something I tell they I pay a Mortgage and it is not on my credit report, They think that I am lying. I think a business should conduct themselves as a respectable business when this type of situation happens. I did not ask for this sale anyway. Why do I have to suffer because of them not reporting? If they are reporting, why any of the bureaus have this information. That is pretty strange. Please start reporting my payment history. Please and thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: MD

Complaint narrative:
I received a statement from Credit Service Company Inc. ( The Accounts Receivable Professions ) listed at XXXX. XXXX XXXX, XXXX  XXXX, CO XXXX marked XX/XX/2018. They stated I owe {$1000.00} for a Hospital Visit. I have record that all bills have a XXXX  balance from any time I was hospitalized in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a 6 year credit card customer with XXXX XXXX and also a former employee 10 years ago. I was recently in the hospital for a big XXXX and the Bank closed my card because I missed payment during that time. My payment history with them is literally perfect and have a 99 %. I also hold my primary account with them and had over {$4000.00} currently in that account, so they could have debit that account easily. As a result of this they closed my account and I am told they cant reopen it.

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 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This issue is based on an escrow refund from my county tax office. Our mortgage was transferred to a new servicer in XX/XX/XXXX. 
The old company Greentree which is now Ditech received an overpayment of XXXX, for the tax year of XXXX. The check date is XX/XX/XXXX. I have been going round and round with them about this issue. This has been going on for about 45 days. I just found out the check cleared on XX/XX/XXXX. They havent released the funds. Everytime you call it is a different story. Their personnel are very incompetent. In the meantime we are expecting three more refunds from prior years which means we will encounter the same issue. These refunds are based on exemptions we were due that we were not getting because we had not filed the necessary documentation. This is based on the age XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2018, I used my credit card for a cruise payment and was not given what I paid for ; proof was provided. I received a smaller room and none of the accommodations listed in my agreement were provided. XXXX XXXX apologized and gave me a letter stating their mistake and the mishap. I provided this with Citi Best Buy, my credit card company, and they held out the dispute more than 60 days and stated the merchant never responded to the investigation ; therefore, I was not a protected consumer. Per their credit card protection agreement, they decided to selectively change the policy only for me, as the manager, XXXX, stated, and went on to say they had no way to recoup their money so it's back in my hands. That is absurd and definitely illegal. Also, after speaking with 7 representatives and managers, each gave me a different account of my experience, account of events and changing policies based on the customer. I have been given the run around about a resolution and was told I made people angry there ; therefore, it would not go in my favor.

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