vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XX/XX/XXXX, we had sent 6 separate payments ( checks from our bank ) to our mortgage company. We were later told by our mortgage company that they were sending the checks back to us and to send them a wire transfer in total amount of the 6 payments we had sent. So we sent them a wire transfer with the money still in our account ( in excess of {$13000.00} ).  Sometime later we discovered that they had cashed the checks which not only ended up sending our account into the negative due to overdrafts, overpayment, etc. but we also were charged NSF fees. We never opted in for overdraft protection on the checking account. Also, my wife, who is the main account holder was never notified or called about any over drafts. She was signed up for account notification and never received them. Even after going to the bank and talking with them, she still does not receive account notifications. The system failed us and we asked the bank to get the money back from the mortgage company due to the fraudulent withdrawal. We did not receive money back. Due to the constant lack of funds in the account, our monthly payment to our Chase Freedom credit card did not go through. My wife who is the main holder on that account was not called or notified about the late payment until it was too late. They have refused to help and/or remove the late payment from our credit report ( XX/XX/XXXX ). We simply ask that they credit the majority of the fees that we received because many of the purchases were made on the same day then posted on separate days so we were charged {$34.00} overdraft fees 3 times a day. Their system of notifying us did not work correctly and failed us as well as their customer service. They only recently credited our account for {$250.00} without informing us. After inquiring about the credit, we were informed that they were not going to help us any further and blamed us for the problems. We have been loyal Chase customers for 20+ years. We had to get a lawyer involved to solve the issues we had with our mortgage company which cost us thousands of dollars more. We want this situation resolved to our satisfaction after we lost a lot due to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: CA

Complaint narrative:
This is regarding improper handling of charge-back dispute and not considering the documentation provided by the customer. 

I created a chargeback dispute against merchant XXXX, as I never received those items. The merchant shipped out the items to another country itself. Such a huge mishap.! I tried to contact the merchant and they accepted the mistake but did not provide refund. 

I provided all the supporting documents to citi bank including the tracking number and the snapshot proving that items were not delivered to the designated address. The document also included merchant 's response where they accepted their mistake. I also received response from citi saying they have received the documents and reviewing it. 

On the other hand, merchant just provided the same tracking number. The citi representative did not even bother to check the tracking number and the documentation I had provided, and simply resolved the dispute in merchant 's favor. This is complete violation of customer 's right when you are not even having a look at the their documentation and simply resolving the dispute in merchant 's favor because all they did was respond. This is how merchants are able to successfully scam customers.

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 2020-03-19 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: DISCOVER BANK
State: MA

Complaint narrative:
i disputed this charges previosuly sent the company proof the removed it and added it back im furious and cant believe i cant trust the creditor i have done business with this company has charged me an additional XXXX for service i cancelled when they are selling inaccurate and misleading service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX XXXX listed on my credit file, immediately I contacted XXXX  XXXX to report fraud as I only have one credit card with XXXX XXXX which I received in XXXX. I was advise by representative, to write in about complaint. I wrote in 4 times to collection agency Portfolio Recovery, this company only sends a bill. Every time I call back they say write in they send me a bill. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but I can not keep paying for debts I that are not my own. 

Portfolio Recovery refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
There are late payments showing on my Navient Student loans- I have several due to Navient back in 2016 due to the fact that Navient was steering me towards forebearances instead of letting me know that I was able to do an income based repayment plan. Once the forbearance was over they never sent notification that it was over and I recieved very unclear and about how to enroll in income-driven repayment plans and how to be able to manage my student loan payments. Navients negligence to give me information when I tried to reach out to them really affected my report as they continued to report late payments on all of my loans. I finally was able to research information after months of trying to get help from Navient. I was able to get help from a financial aid officer at the school who advised me that I could consolidate my student loans, request a new servicer and also apply for Public Service Loan forgiveness since I worked in Public Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back. I contacted not to Long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: MA

Complaint narrative:
I have sent Experian many times proof that the XXXX/XXXX   account listed on my credit report is inaccurate, the last date of activity that Experian is reporting is different than what XXXX   and XXXX  are reporting, each credit bureau are reporting different dates, and that is not accurate at all. As a consumer I have a right to dispute these types of things, EXPERIAN keeps telling me that this account has been updated but when I look at the information on the account it is still the same, I believe that this is illegal because the FCRA has said that credit bureaus must delete all information on a credit report that isnt 100 % accurate. Also Experian is not reporting any high credit amount on this account and XXXX  is reporting XXXX, and another thing that is in accurate is, if XXXX  is also reporting this account on my credit report, why is EXPERIAN the only one reporting late payments and there are no late payments reported by XXXX?. And if my credit limit was XXXX dollars, how is it that I owe XXXX dollars, there is no way that I could go over my credit limit of XXXX dollars, this amount is incorrect.

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 2020-03-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Upon reviewing a recent copy of my credit report, I noticed that I had an unauthorized inquiry listed by Synchrony Bank for Amazon.  Knowing that I had not applied for credit through either company, I immediately sent a letter to Synchrony Bank on XX/XX/2020 and informed them of the error. I told them that I had not interacted with either Synchrony Bank or Amazon in applying for credit and I requested that they remove the fraudulent inquiry. I received a letter back dated XX/XX/2020 in response to my request. They stated that the inquiry was a result of an application for credit. They further stated that they follow the law and it is their obligation to accurately report customers credit related information to the bureaus. Therein lies the problem : they are not following the law, and they most definitely are not accurately reporting my information to the bureaus. I specifically let them know that I did not apply for credit. I do not know who did, if in fact anybody, but I did not. They are falsely and maliciously reporting inaccurate negative information to the credit bureaus, causing me great distress. They are in violation of FCRA laws, among others.

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 2020-03-19 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: VA

Complaint narrative:
I have a credit card with capital one. i had it since XXXX they sent me a new credit car and I went to renew it. on the site I saw another credit card. closed but with a balance on it. this was a credit card I paid off long ago. and had a {$0.00} balance. they charged me a {$39.00} member fee/ that i never approved and have been collecting a late fee since XX/XX/XXXX. I noticed today XX/XX/XXXX. they have reported me late 120 days and have tripled the amount owed for the {$39.00} fee for a total of {$130.00} and dropped my credit score to XXXX. 
for 10 years I have never been late on this card. how can they do this to my credit rating after all this time. I have contacted them with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CFS Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/2020, I paid off my Loan to XXXX In full. Since I paid the loan in full, I politely requested to the CSR if they would be able to somehow mark the previous months that were late as " on time '' since I paid off the entire loan in full early. The CSR said that It was not possible and I told him that I will do everything I can for XXXX XXXX to at least reconsider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Have tried to file a dispute online with equifax and continue to get system errors. Called them to dispute. They said they account belongs to me but no one can provide me any proof or information about the account being mine. It was not my account and there is no proof it is mine so I want it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraud transactions for XX/XX/2019, tried to report it on their website to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I filled out a credit application to finance a dog from a XXXX pet store. I didn't qualify for the XXXX credit card but was told that I was approved through EasyPay Finance a.k.a. Duvera Billing, LLC. I was not informed that the APR would be at an illegal interest rate of 151.99 %. The loan was opened on XX/XX/XXXX and financed for {$2500.00}. As of XX/XX/XXXX, I owe {$7100.00}. Duvera has reported this as a charge-off on my credit report but continues to report missing payments every 30 days which has significantly impacted my credit score. I do not believe this company is licensed to lend in the state of Pennsylvania and they are charging consumers an unsury interest rate, far above the state 's capped level. I would like company to address the illegal operation they are conducting and get this off of my credit report once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: MA

Complaint narrative:
The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. TransUnion is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and XXXX  is reporting XX/XX/2015. This is not good for my credit report worthiness.

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 2020-03-19 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: MA

Complaint narrative:
The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. XXXX  is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and Equifax is reporting XX/XX/2015. This is not good for my credit report worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
My middle name begins with a " M ''. I have never, nor will ever, substitute that with another letter. For example, " W ''. I have never used a " W '' for the first letter of my middle name. Any transaction history using " W '' as the first letter of my middle name is not to be associated with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: DISCOVER BANK
State: GA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I requested a copy of the card member agreement for my account close to a month ago and I still have not received it despite asking for 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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been notify that my account for so over has been close due to not been able to identify me so I called back and complain due to this is been me so they ask me to send in a verification form with notary sign so I did I upload this forms and they called me saying I didnt upload them then I called back I upload them about 100 times and they still saying I didnt even weeks later. I fax my paper work in and discover keeps saying I didnt do this so I mail them in and they keep going in circles I did everything thats possible to make this proof go in. It they keep ignoring me I call 100 times and they keep saying a manager will call u but never get a call back. They also reports a wrong address to my credit report which they are messing with my identity someone that works for them ..

Company response to consumer: Closed with explanation