vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX EDT I have made hotel reservation with XXXX XXXX, XXXX, XXXX for 8 nights in the amount of {$580.00}. On the same day at XXXX XXXX EDT after reading unfavorable consumer reviews I have decided to cancel this reservation. The reservation was active for only about 3 hours. On XX/XX/2019 at XXXX XXXX EDT I have sent email to this merchant requesting a refund back to my credit card. This merchant has responded to my email next day indicating for the first time ever that reservation and rates are non-refundable. At this time I have decided to file dispute claim with PenFed Credit Union, my credit card issuer and sent PenFed all supported documentation which indicates that non-refundable reservation was never disclosed to me during the reservation and cancelation process because this merchant on its website just does not disclose any cancellation policy at all. 
On XX/XX/2019 my Credit Union PenFed has sent me a letter indicating that dispute claim will be closed in my favor and that credits for the disputed claim are now permanent. 
On XX/XX/2019 I have received another letter from PenFed Credit Card Dispute Analyst XXXX XXXX now threatening to re-bill my account and consider the case closed. 
The case has been closed already on XX/XX/2019 in my favor. To me closed means closed, permanent means permanent. Please help. Thanks very much.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, my personal Savings account has been fraudulently checked by amount of {$1500.00} in the state of Florida. I didn't recognize this transaction until XX/XX/19. I reported this issue to Chase bank on XX/XX/19 for the first time. One of the representatives asked some questions and informed me that their would have a result within 5 business days. I tried to call the bank within the 5-day period to see if my case was going to the right direction. Unfortunately, all Chase responded was " just wait for 5 days '', and " they would get back to me ''. After the 5th business day, I contacted the bank again because I didn't see the problem was getting solved. The other representative told me that they had not finished the investigation and had no idea when it would be done. 
I deeply understand this kind of issue is not a daily event and investigation sometimes takes more than one can expect, but as a victim, I believe that I do reserve my rights to knowing all the process the bank has been taken and at least a time frame I may expect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX following multiple disputes and several CFPB COMPLAINTS continues to verify an installment loan, XXXX XXXX .XXXX XXXXxxxx today after another bad verification continues to depict and publish to 3rd parties inaccurate and incomplete information in violation of black print in the FAIR CREDIT REPORTING ACT.THE MONTHLY PAYMENT CAN NOT HISTORICALLY BE XXXX DOLLARS AS EQUIFAX DEPICTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: CA

Complaint narrative:
I called this creditor of Grant & Weber 9 times since XXXX of this year. I was directed solely to XXXX XXXX XXXX voicemail. One of these times I reached his temporary relief whom resolved 2 of my accounts but stated I'd need to call and reach XXXX XXXX to have them removed from my credit report and to set up a payment arrangement for the remainder of my accounts. Multiple calls and almost a month later, XXXX finally called me back this morning XXXX ( I've since had another account default to my report in the interim ) after I'd just returned home from the hospital and was resting. I informed him of what I wanted to accomplish, he informed me that I had a lot of accounts and a lot of outstanding debt. Under {$700.00} is not enough to make me feel that bad about it. I told him first we needed to settle the deletion of the accounts on my credit report. He told me how that works, I told him I'm not brand new and he raised his voice telling me he doesn't care. A few more words ended the conversation. He avoided my call for months and now calls with rudeness. I just want my debt resolved and they are supposed to want my money.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have learned that loans are being taking out in my name my name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: ID Analytics, Inc.
State: GA

Complaint narrative:
SageStream states on its website that disputes, requests for credit files, or requests to freeze one 's file may be submitted by fax to ( XXXX ) XXXX. Yet, after many attempts to submit a fax to this number over several days and a few different fax machines, all submissions failed -- the stated reason being that SageStream 's fax number was busy. The business seems to be engaging in false statements, namely that requests can be submitted by fax. They seem to force consumers to submit requests through regular mail which is slow and time consuming. In effect, they make the dispute/information request processes excessively difficult to deter consumers from accessing their credit files per the spirit of the FCRA. If this company wants to function similarly to the three major credit bureaus, it should be incumbent upon them to allow online access to credit files ... not restricting access to outdated, complex requests. Nor force consumers to pay for postage just to obtain a " free '' credit report or freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has consistently reported my mortgage balance information incorrectly. I want it to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AP

Complaint narrative:
On XX/XX/2019, Jefferson capital Systems, XXXX XXXX XXXX , XXXX XXXX MN XXXX opened accounts in my name and immediately reported these accounts as unpaid debt. This was done on both my XXXX  and XXXX credit reports. This debt was removed from my credit twice in the last year and several times over the last few years. 

It stemmed from a cell phone that I returned to XXXX during my 14 day trial over 14 years ago. I didn't keep their service as it sucked and returned the phone to them before my 14 day trial was up. 

These companies keep adding this old debt to my credit files, the debt is well beyond the 7 years allowed by the Fair Credit Reporting Agency. Neither XXXX  or XXXX are verifying the information before they add this back to my credit. It has been REPEATEDLY REMOVED by both of these credit bureaus. 

I would like you to investigate Jefferson Capital Systems, as this is an unfair practice. 

1 ) It is an illegitimate debt, due to the actions of XXXX XXXX, which I am assuming was the retail agent afraid about losing his commission. 

2 ) I was never notified of this debt, I received a credit monitoring action after they already attacked my credit reports. 

3 ) It has been removed repeatedly over the last few years. I am to the point I am about to file a class lawsuit on these people. 

I am XXXX to XXXX  XXXX XXXX as an XXXX XXXX of the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SALLIE MAE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KOHLS/CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CITICARDS CBNA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. 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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Cash reward Bank of America credit card. I paid off my balance in full the day before my due date. I was charged interest for a {$0.00} balance statement. No where on my statement does it state that there would be an x amount charge additional. In all the statements they should provide an pay off in full option by a certain date to not be charged anything extra.

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 2019-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
I have accumulated a lot of debt. In early XX/XX/2019 i received a mail from Figure. 
Pre-approved 2nd Home Equity loan They sent me some forms to sign. they never asked me why i wanted the money. Then without my knowledge the monies were in my account. 
It wasnt what we discussed. I used the funds to payoff XXXX< XXXX and XXXX. 
When I started reading everythin i realized the the interest was 8.99 % and a {$3000.00} service fee. I called them and their answer was we did the the best they could. After repeated calls. I showed some papers to XXXX. Their loan officer said that this loan should have never happened based on the fact I didnt qualify by a mile. I have an equity loan with XXXX. I pay my bills on time. However with a payment over {$1000.00} per month i will not be able to make these payments. If they would have returned my calls I would have cancelled. I asked if I could pay down the loan if I had a windfall. No answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MO

Complaint narrative:
Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove 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 explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services, Collector, under the name of Lvnv Funding, is reporting on XXXX Credit Reporting an account # XXXX due in the amount of {$680.00} which is paid, with the original creditor XXXX/XXXX under account # # XXXX which is reported by the original creditor as paid XXXX balanced.I need this account closed, It's false and need to be reported closed.Lvnv Funding need to do this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
I had XXXX on my cashapp they changed the banking routing number wiithout my consent and it doesnt let me change it to mine which is was before. Invalid card to cash out it says and no consumer customer support number and the email they never actually resolve the issue tell you stuff you already tried.. .. I had on my account and closed my account down. My name is XXXX XXXX on it. I tried sending the XXXX back to my cousin and it wouldnt let me refund it like usual. They cant steal peoples money like tht. I was using the app for almost 2 years no problems until about 3 or 4 months  ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX  XXXX  {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: MO

Complaint narrative:
Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX  XXXX  {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove 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 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Have been applying for loan modification for past 4 years due to job loss then decrease in wages. Continually kept asking for repetitive info. Thus forcing me to continually re apply for loan. When i finally acquire sufficient income they denied all options due to fact i am a 1099 employee. Prior to that never once told me that it was not acceptable and sent me forclosure Notice

Company response to consumer: Closed with explanation