vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 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: GA

Complaint narrative:
I have contacted Experian along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. Dept of EducationXXXX & 2. XXXX XXXX 's. I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Experian, to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Experian for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.

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 2019-11-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3200.00} -This is not my account.

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 2019-11-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3200.00} -This is not my account.

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 2019-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Earlier this year, I was approved for a loan modification, however, I was contacted by XXXX XXXX XXXX and was advised that the proposal I was provided by Select Portfolio Servicing was inaccurate. Based on the advice given by XXXX, I was in fear of losing my home even after receiving the proposal as they lead me to further believe I was losing my home. I understand I did not respond to the trial period I was initially offered because I was taking the advice of a law firm who lead me to believe I was being taken advantage of my the servicer, Select Portfolio Servicing, and I've now come to realize I was being taken advantage of by XXXX at the most vulnerable state of my hardship. I am requesting that I be considered once more to retain my home, as I am able to afford my mortgage payments, however, Select Portfolio is stating I am not eligible because I did not accept the initial offer. I would like to retain my property and not lose it to foreclosure. I made the mistake in trusting a Law Firm who contacted me, only to be scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Called Capitol One Auto Finance for assistance with a deferment and it has been denied multiple times. Requested a call back from upper management. Supervisor/manager called 5 minutes before the end of the business day. Tried calling back, but with ALL the ad 's capital one Auto Finance has it was impossible to get to someone. Left a message for the same Supervisor/Manager. But never heard back from her. The reason that I need an extension/deferment for the month is to get back on track with payments. But what Capital One Auto Finance is doing is charging more interest, & late fees. Capital One office of the president girl I spoke with on XX/XX/2019 was NOT trying to help in any way. The only thing she said was " the account is new, and we can not do anything for you " capital one changed it's policy, so we do not give any help when a life event happens. It is very difficult for some to get an extension ... I am very disappointed with this auto finance. The only thing this company wants is to collect fees, interest and hit my credit month to month, nothing else. I'm going to make sure that I post my story on social media, so that other people that get approved for Capital One Auto Finance don't sign a contract with them ... this Auto Finance is the worse company I have to deal with!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: VA

Complaint narrative:
On or about XX/XX/10 we found a charge on our credit card that we did not place. 

Upon contacting Citi card, they first alleged that we would have to lie and report the card stolen to get the charge removed. We handed that over to the AG in their state. 

Then Citi group closed and canceled the card and reissued a new card and account number. They stated ( in chat ) that the charge would be removed in 3 to 10 days as they investigated.

Thus far we have had 3 interactions with Citi card and they will not remove the charge. 

In our opinion, Citi group is in coherts with the company ( whomever they are ) that placed the charge. Now Citi group is  charging interest on a charge we never made. 

Cit group has also refused to close the account. 

The original card number the charge was issued on and account has been closed when the new card issued ended in 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 monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX i made a mobile deposit. On XX/XX/XXXX the check cleared and was in my account under my current and my availabie balance. XXXX was the amount. I have not had acess to my funds at all its been 7 months. They say a check could take up to 3 years to be returned. Now XXXX XXXX  has paid the check it has cleared. Now there telling me that i need to find the person who wrote the check have them call capital one 360 on from a number they can verfiy. I was paid for one time cleaning job to salvage and clean belongings left from a house fire. This person moved to FL why cant they go threw his bank to find him and if there was a issue i dont think his bank would of paid it. I bank with capital one 360 checking my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2019-11-28 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2019-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT, REFERENCE NO XXXX regarding DEPT. OF EDUCATION ACCOUNT XXXX appearing wrongfully, solely on my EQUIFAX CREDIT REPORT.I HAVE NOTHING TO DO WITH THIS LOAN, OTHER THAN THE FACT IT IS APPEARING ON MY CREDIT REPORT.IT IS NOT MINE.I NEITHER APPLIED NOR RECEIVED ANY BENEFIT. 
At this time there have been a combination between 15 and 20 disputes to Equifax and complaints with the CFPB TO EQUIFAX..BOTH THE FURNISHER AND REPORTING BUREAU ARE NEGLIGENT AND DESERVE SEVERE PENALTIES TO BE OBTAINED BY THE CFPB..NEITHER THE FURNISHER NOR THE BUREAU ADHERES TO DODD-FRANK OR THE FCRA REGARDING THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/ 2019 I placed an online order for a TV from Conn 's  website, www.conns.com, after paying 20 % upfront, as well as a required flat rate delivery fee of {$79.00}. XX/XX/XXXX, I received the tv via delivery. On XX/XX/XXXX, I contacted Conn 's via telephone call, and informed them of my intent to exchange the TV for a bigger size. According to written policy, any item purchased online and delivered, was eligible to also be picked up for free. However after a week of trying and failing to secure a pick up date, I finally took the television into a brick and mortar store location, and personally handed the TV to store Management. We discussed my situation and agreed to exchange the set for a bigger one. I paid in cash an additional fee, and was told the TV right be delivered to my house the very next day. Day 1, passed. Nothing. Day 2 to Day 3, day 4 fast forward ALMOST TWO MONTHS and still no TV. I have decided to accept the obvious, that I will not be able to complete this transaction successfully and so, do hereby cancel same. As such, I respectfully request the following actions : 1 ) a proper refund of my monies : down payment {$110.00} delivery fee {$79.00} and upcharge fee {$26.00} for a total of {$210.00} ; and 2 ) the voiding of any sales/order or installment contract associated with this transaction ; And 3 ) I respectfully request these actions be taken immediately and without further delay. 

Despite never receiving the merchandise, I am now being harassed by Conn 's collections, and having to correct the records on my credit report. 

I placed this order in good faith, the same good faith with which I have supplied Conn 's with almost {$220.00}. and in response to this good faith, Conn 's actions or lack of them has proven problematic at best, potentially litigious at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Lender did not provide sufficient reasoning for the denial for a Amazon Prime Rewards Visa Signature Card. Have 800+ credit score with no delinquencies. All verification and supplemental documents were submitted. I feel that I have been discriminated against by the lending office, as the experience was completely different while at the local branch. The creditor CHASE JPMC is in violation of ECOA 1002.9, for denial reasons other than incompleteness and vague in its statement, as the denial notice does not contain specific reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: IA

Complaint narrative:
I submitted final payment via US Bank App. 2 weeks later I receive a letter that there was an issue and it was returned-no explanation. I called and was told a payoff can not be made via the app and I need to either wire at my expense, mail a check ( no address provided ) or go to a branch. And it takes 2 weeks to process-Why are they making it difficult to pay off and I et additional interest charges-Every other payment can be applied and via app but not final?

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 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase has locked my account on numerous occasions for sending quick pay to a friend that has received/sent me quickpays before. Worst case of this is being today ( XXXX ) the phone operators are trying to tell me to go to a bank to provide 2 forms of identification on a holiday. Why i can pay/receive from everyone else but my friend who i have quickpay history is beyond me. My account should not be frozen for something as minimal as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is refusing me the right to enforce the terms and conditions of Arbitration regarding the dispute of XXXX and XXXX XXXX. 

I have demand Arbitration under the Frederal Arbitration Act regarding the Pending Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2019 @ XXXX my debit card was used at a XXXX in Arizona . I do not live in Arizona. I have never been to Arizona. I did not make this purchase/rental. I have contacted XXXX and my bank, Bank of America. They both have done their fraud investigation and have decided to charge me {$74.00}. Somebody please help me. I have nothing to do with this transaction other than I am the victim. The best that we can figure out is that someone duplicated my debit card and used it at that location. The actual payment description is Non-EMV Magnetic Swipe. Again, I was not there. I did not make this purchase. Neither company seems to care and just want to collect funds. I have recently contacted the police department in Arizona to see if they can help but beyond that I am not being looked at or protected as a customer and consumer by XXXX or Bank of America. Thank you for your time in reading this and considering any advice/help that you may have for me.

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 2019-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
To Whom It May Concern, Please refer to complaint XXXX and complaint XXXX for previous information. I am writing to you to follow up on Fed Loan Servicing 's current response on why they are unfairly trying to change the terms of my student loan because I filled out an application. Let me be clear in saying that I did not understand the forms in which I signed. I have very XXXX XXXX  even with my glasses when it comes to small print, and the print was very small, difficult to see, and hard to read. This fact seems to be dismissed and overlooked. I have stated this many times. I have already sent you my current XXXX  prescription through Congressman XXXX ' office. Also I continue to get the same information/ suggestion about TEPSLF when I clearly stated that I am NOT in any position to do income driven repayment. I am raising XXXX small children and taking care of a sick elderly relative. I am the main source of income for my family and can not afford extremely high monthly payments that could increase over time. 
I contacted XXXX directly when this dispute first occurred. I asked them to send me the repayment terms of my loan. I received paperwork from XXXX. Included in what I received was original paperwork from American Education Services, Direct Loans, and a promissory note from XXXX. Fed Loan Servicing seems to have something different. Included in their response was a document from XXXX saying that XXXX had updated the payment schedule. I have never seen this document prior to Fed Loan Servicing 's response through the CFPB. What I found interesting about the document is that the payment continues to be the same at {$200.00}, but the term was extended XXXX. Even if this document is true XXXX is not XXXX which is the amount of time Fed Loan Servicing is trying to extend my payoff date. I am not paying this loan five extra years at almost XXXX years old on a fixed income. I graduated in XXXX. Fed Loan Servicing continues to say that my loan can not be returned to XXXX, but they have done it for other people in similar circumstances. I was denied loan forgiveness and in the end they would have forgiven XXXX dollars which is absurd. This program is unethical and misleading to the American Public. It defeats what it is set out to do. I am not threatened by Fed Loan reporting delinquent payments to the credit bureau. I am not purchasing a new car or a new house, or looking to get credit cards anytime soon. I work, pay my bills, and have always paid my student loan for many years. I am hard working and extremely responsible. I have been a XXXX XXXX XXXX  in a poverty stricken community for XXXX   years. I am a person of principle, and I will not be bullied by a company who clearly is unjust. I want this loan returned to XXXX under the original terms I had with them, and should not be in this situation because I filled out an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: NY

Complaint narrative:
Experian had deleted a item in XXXX of 2019. Then after the deletion they reposted it 2 months later from the company who does not report this account. XXXX XXXX XXXX has no records of any relationship with experian on me or my social security number and says they have no idea what experian is doing

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