vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 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: CO

Complaint narrative:
I tried to freeze my Experian Credit Report using the online form. I received a message stating I would have to send by USPS mail my information which included everything needed to steal my identity so I so not want to do this. When I called the customer service number I was asked my SSN which I do not want to give out over the phone. I repeatedly tried to get a human to talk with but then they disconnected my call. I have tried this several times. 

Is this legal? I should be able to talk with someone without giving out my SSN.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The inquiry was made on XX/XX/2018. No loan was secured and no vehicle was purchased. A letter was written to try in have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CA

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge was processed at a XXXX XXXX ( for an iPad ) that my family has never been to in a town that is a considerable drive away. Upon noticing this, I started a fraud claim and was credited back as it was determined I did not make this purchase.

Today, XX/XX/XXXX, Chase called me to tell me that because the card had a chip, they would deny that it was a fraudulent charge and would be placing it back on my account. 

I explained to them that : 1. I work in security, chip cards can still be stolen, reproduced, and used ( it's called shimming ) 2. My wife and I do not own ANY XXXX products and have never had any intention of purchasing one. 
3. We were not in that town on that day or even in that month. 
4. They had produced no evidence that it was a legitimate charge. 

They have decided to not listen and have told me that they will be placing the amount back on my account and did not provide any way for me to appeal this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I purchased several items using my XXXX store credit card and the " special financing '' offer where there would be no finance charge on the amount if it were paid off in a certain period of time ( six months ). Those orders were placed in XX/XX/2018 and the special interest rates expired in XX/XX/XXXX. The problem is that a large percentage of the merchandise was returned or refunded due to defects or the wrong item being shipped and when those refunds were made, the special interest plan on them was not updated to reflect that fact. Thus, on the expiration of the special interest plan, I was charged interest on the full value of the purchases as if they had never been paid off within the six months, when in fact the portions of charges not refunded or items not returned had indeed been paid in full. 
This resulted in significant accused interest charges being applied to my account and the automatic payments that I had set up were suddenly too low because XXXX had charged me for interest accrued although they had received refunds and payments that paid off all of the balances of the special interest rates purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2018, I found a collection account on my credit report that must have been in error. The collection account original creditor was one that I had an on going and " paid as agreed '' account with. I spoke to several reps at both the original creditor 's ( XXXX XXXX - who advised me that my account was in good standing and was not in collection ) and XXXX ( collector - who could not " verify '' my personal information and said that due to that fact I would have to dispute it with the credit bureaus ) I have submitted two disputes with Experian and spoke to a rep there, who said I needed to call the collector and have them take it off my report. ( basically I am getting the run around. My credit report from Experian is still showing this collection account to be " debt included in personal receivership ''. Whatever that may be. After my disputes where " closed '' the account is still showing on my report. 

This collection account is not and has never been mine.

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 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX   Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report.

On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This was in XX/XX/2007 I put {$130000.00} into my checking account then maybe a couple months went by the bank called me want me to come in and talk to them so we went in and talk to one of our agents and she looked at my wife and sister home equity home loans my wife said no then she looked at me and said this is the best thing for you guys right now now our payments starting to get {$130.00} now it's up to {$440.00} which I can't afford to pay because I have several medical bills and I'm just having trouble paying them so I hope you can help me in someway thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX  and XXXX  mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX  income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX  years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.

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 2019-01-29 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: CarFinance Capital LLC, Irvine, CA Branch
State: GA

Complaint narrative:
The inquiry was made on XX/XX/2017. I am unsure of the amount. I letter was written to try in have the inquiry removed.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorganChaseMortgage paid my XXXX XXXXl Homeowner 's policy 6 plus weeks in advance ( on XX/XX/XXXX ) {$490.00} when it is due XX/XX/XXXX-XX/XX/XXXX period, created shortage in escrow account, I asked them to pay end XX/XX/XXXX, early XX/XX/XXXX.

New escrow analysis ( XX/XX/XXXX-XX/XX/XXXX ), showed due in XX/XX/XXXX, {$500.00} for anticipated H/insurance they paid XX/XX/XXXX..

{$490.00}. This XX/XX/XXXX paid out from escrow, deliberately LEFT out of activity current escrow period XX/XX/XXXX-XX/XX/XXXX.

JPMC, created escrow shortage and now increased my monthly payment for " escrow shortage.

Spoke with XXXX XXXX ( XXXX x XXXX  ) who was closing the escrow effective XX/XX/XXXX. Does not likely to happen.

JPMC has mismanaged my escrow account prior to this and I requested to cancel the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I attempted to make a transaction on XX/XX/19 for furmniture, the purchase was declined due to incorrect zip code. I checked my account on XX/XX/19 and saw that they had put a hold on the {$1000.00} that I attempted my purchase on XX/XX/19 for. XXXX XXXX has no record of me and said I would have gotten an email as confirmation my order went through.I explained all of this to AMEX and was told I could not get my money back for 7-8 days which is unfair because an actual purchase WAS NEVER MADE. I have called them 3 times today XX/XX/19 in an attempt to get my money bck since today is the 7th day I have been told I will get it today but do not know when and then by another agent # XXXX   that I would not get it until the time I made the original transaction at XXXX, this is unacceptable and I continue to request to speak with a manager and have been told I would have to wait for one to call me when they are available. I am currently on hold as I am calling them yet again and I have been on hold for XXXX.I would like this resolved as soon as possible and for their policies and practices to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

I reference that this credit bureau XXXX  werent able to verify it and I attached my proof of results marked deleted for this account # XXXX & this account # XXXX Im disputing. They were not able to verified it can you follow the same procedures and govern yourselves accordingly.

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 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Buying items off of the website " XXXX '' and one of the sellers with paypal ( which is the current situation I'm in ) didn't give me the product. On paypal, I paid " XXXX XXXX '' {$17.00} cents on XX/XX/2019, current day. Paid {$17.00} with my current balance on paypal, and the rest of the fees with my credit card. Contacted him, never responded and blocked me on all current areas where I could get a hold of him from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never  arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: PA

Complaint narrative:
I have written TransUnion on numerous occasions in reference to reporting inaccurate items. I was never late for payments on my XXXX XXXX account. I never missed a payment on my XXXX XXXX account. I have never been late or missed and payments inreference to my XXXX XXXXXXXX. I have never had a wrritten contract or agreement with XXXX XXXX XXXX who states I owe {$330.00}. The XXXX XXXX XXXX balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX balance of XXXX accurate balance {$0.00}, There is also inaccurate balance of XXXX for XXXX the correct balance is {$0.00}

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 explanation
Consumer complaint received 2019-01-29 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
The Inquiry was made on XX/XX/2018. I am unsure of the amount. I wrote a letter asking for the inquiry to be removed because no loan was secured and no vehicle was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. Capital one did this in the past to me as well and always refused to not report after showing and proving proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
On XX/XX/2018 I received approval from XXXX  ( XXXX XXXX XXXX ) for a loan recast. The letter states the new payment will start XX/XX/2018. 
As of today, XXXX  has still not corrected my account. I am due interest so my balance due is showing incorrectly. 
I called and emailed numerous times. I dont get a call back and no one replies to my emails. When i phone customer service, I am told the modification dept only works by email but yet they do not respond. 
I would like for this to be resolved and for XXXX  to complete the recast that i applied for back in XX/XX/XXXX and they approved on XX/XX/2018.

Company response to consumer: Closed with explanation