vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 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:
Hi , I have apply for an apartment where my application got reject . I disputed the errors on my report in which I was still reject following they didn’t update the correct results . They have the proper paperwork to see the account is paid along with a landlord reference from the property in which they are refusing to acknowledge. Also the accounts they are reporting are not  accurate .  I called asking why my application was rejected resulting in a paid account . I was told the credit  company didn’t report it as paid although they have the proper documentation that it is in fact paid in full . The credit company has two parts credit and rent based on which everything came back paid and in good standing on the rent part . That part should reflect my application status. The XXXX XXXX  received all this information and still rejected me based on unpaid account in which it is paid .

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 2019-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX of this year, I realized I could not pay the full amounts on the payments for my student loans. I applied for a PAYE arrangement and it seemed that it was granted, but the past-due balance was not updated or changed to reflect my new arrangements. I have been making monthly payments; the most that I can afford, but now I'm told that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am being told by Chase Bank (JPMCB CARD) that I have a XXXX   balance on an account with them. This was discovered during a background check for employment. I called the company and they continue to state that the account is fraudulent (dated XX/XX/2019) but they continue to refuse to send me any written confirmation of what they are verbally telling me. I am disqualified from getting this particular job if I cannot 1. prove they are telling me it is fraudulent 2. I cannot set up payment arrangements to resolve the debt. Neither of these options have been made available to me over several calls and faxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: MD

Complaint narrative:
Ladies & Gentlemen:My wife booked a reservation for a golf vacation package with the XXXX XXXX XXXX XXXX   in the XXXX XXXX  on XX/XX/2019. The price that was quoted by the resort for the vacation package was US $XXXX. This price was clearly stated in an email communication of XX/XX/2019 from the resort as the "Package Total: $XXXX" (A copy of this email is included in the attachment)My wife provided our Chase credit card information to the resort and the account was charged $XXXX  in two separate charges on XX/XX/2019. (A copy of our account statement is included in the attachment)During her stay at the resort in early XX/XX/XXXX, and, at her check out from the resort, she was never advised of any other charges due or pending. We never received any subsequent communication from XXXX XXXX XXXX.An unauthorized charge of $XXXX from XXXX XXXX XXXX  appeared on our Chase billing statement in XX/XX/XXXX and we immediately contacted Chase by phone to alert them to this unauthorized charge. We subsequently sent a written complaint to Chase and, on XX/XX/2019 they sent me a letter stating that they had favorably resolved this issue and would credit our account permanently for the disputed amount of $XXXX. (A copy of the Chase letter of XX/XX/XXXX is included in the attachment)I assumed this matter was over and done with until I received another letter from Chase dated XX/XX/XXXX advising they were rescinding their earlier decision, and now considered the charge valid and were removing the "permanent" credit for the disputed amount from our account. With this letter they also included information that XXXX XXXX XXXX had provided them which they claim supports the validity of the charge. (A copy of this letter and the information from the resort is included in the attachment) I have reviewed this information and believe it is false, inaccurate and misleading. I responded to this letter yesterday to advise Chase in detail of the falsehoods and inaccuracies contained in the XXXX XXXX XXXX information. (The response is attached) Please review the attachment and let me know if you have any questions.Thank you for your assistance.XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Frequent calls (2-4x or more) a day, since the beginning of XX/XX/2019 until now. Use of various of numbers using (XXXX) prefix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 I called Paypal credit to make payment arrangements, they told me my account was sold to XXXX XXXX XXXX XXXX, they gave me the number and I called them immediately and set up a payment arrangement of XXXX  a month, I made a payment that day and asked for a confirmation letter to send to me . I waited, no letter I called 3 times asking for a letter XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I finally received a copy of the original letter sent on theXX/XX/XXXX with a different amount of" willing to accept"  than a letter I received in the mail after our initial agreement .I made a payment on the XX/XX/XXXX. On XX/XX/XXXX I tried to log on and make a payment but could not log on,  on XX/XX/XXXX I called XXXX and they told me that Synchrony bank took the debt back . I call Synchrony bank and the agent said I owed the total amount i refused and said I had an agreement with XXXX and that is what I am going to pay, he would check into it and get back with me, as on XX/XX/2019 I have heard nothing. This is the second time Synchrony bank has done this to 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 2019-08-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I GOT A POLICE REPORT AND SENT IT TO EQUIFX SEVERAL TIMES BUT THEY REFUSE TO REMOVE THE FRAUD ACCOUNT AND ADDRESS. IT HAS BEEN MONTHS THAT I HAVE BEEN ARGUING WITH THEM TO TAKE CARE IF THE FRAUD INFORMATION ON MY CREDIT REPORTAND BY FCRA 805B THEY ARE OBLIGATED TO BLOCK/REMOVE ACCOUNTS/INFORMATION IF IT IS PROVIDED WITH A VALID POLICE REPORT WITHIN 4 BUSINESS DAYS. I DO NOT KNOW WHY EQUIFAX IS NOT REMOVING THE FRAUD ACCOUNT AND ADDRESS THAT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA

Complaint narrative:
1.IberiaBank's Promo bonus offer of $XXXX to open new checking account.  On XX/XX/2019, I opened new a/c  and was assigned number XXXX with $50.00 using promo code XXXX online banking via their ID number XXXX.2.I   then visited local branch to sign completed documentation and set up direct deposit of at least $500.00 per month. On XX/XX/2019 first direct deposit was received. Thereafter, deposits made in XXXX, XXXX. 3.Vendor has not complied with offer terms . It has declined to pay $XXXX bonus amount.They claimed that I did not enter the legend "XXXX" but I informed them that they accepted and approved my application under ID number authentication as above. Subsequently, when I called to verify status of credit, they stated that denial was because offer was not valid  to "clients or  households who have previously had an account with Iberiabank". After my a/c was opened, I referred a roommate who lives at same address as mine. Said person applied for a XXXX Promo bonus offer at the branch, was approved on the spot and subsequently received the promo $XXXX credit.The federal IRS definition of what constitutes a household is very clear and definitive,ie"A person(s) who is related to another by sanguinity for (three)3 generations." They claim that since both of us roommates share the same street address, this constitutes a household. However, I claim that since they are a  bank federally regulated by the Federal Reserve Board and by CFPB, and are insured by FDIC, that Federal Law, including IRS regulations and definitions prevail over any and all other State, County, or local laws and customs and practice, as it pertains to Federally Supervised commercial banks. I wrote a letter of appeal to XXXX XXXX ( telephone XXXX XXXX XXXX XXXX) who reviewed this issue and denied the payment of my Promo bonus

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 2019-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern:I have a lease account for a XXXX XXXX  XXXX XXXX XXXX  with Chase Bank. My lease payment increased by $XXXX due to a state tax rate increase. Unfortunately, this increase was not reflected on my autopay so my automatic payment did not reflect the new amount due. This resulted in a late payment being reported to the credit bureaus. This mark lowered my score by over 100 points and has severely impacted my ability to obtain credit with Chase or any other lenders for my personal and business matters.The monthly payment is over $1,200 and I have paid on time every month for over 2 years. This has been setup on Chase's autopay and I believed that the autopay operated in the same fashion as my other accounts (gas, electric, phone, etc) where the auto payment amount would pay the amount due. I regret that this has happened and it was certainly not due to my inability to pay.I sent this information to Chase and they have acknowledged the confusing nature of their autopayment system but have refused to remove the derogatory mark on my credit report. I am hoping that you can assist me with this matter.Thank you in advance for your consideration. Please let me know if I can provide any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OK

Complaint narrative:
I never received the remaining balance of $XXXX on my PNC checking account ending in XXXX  when I closed it. I closed the account on XX/XX/2019, and PNC told me I would receive a check with that balance within 10 business days. Never received it. Contacted PNC by phone several times, and useless. Really frustrated with this issue, and spent quite amount of time with them. I never thought such a large bank like PNC wants to steal customer's money.I have to contact CFPB to get my money back. The case number PNC gave me for this issue is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC
State: WI

Complaint narrative:
Our closing date had been set for XX/XX/19 since Mid-XX/XX/2019 . Sofi received the Preliminary Closing Statement from XXXX XXXX on XX/XX/19. I asked multiple times to see the Closing Disclosure starting on XX/XX/19. The last time I heard from anyone at Sofi about the CD was on XX/XX/XXXX at XXXX CT after I had to ask yet again. I was told "It may be a bit later this evening, but it will be out today". This violates the 3 day rule we get to review the closing documents. This will cause a domino effect where we, the borrowers, need to spend thousands of dollars to move out of our current home, storage our items, find housing, pay for pet care, pay for food, then hire movers again. Between myself, my realtor, my home building company, the title company we have all reached out to management via email and phone with no response until XXXX CT on XX/XX/XXXX. The response received was confirming they will contact an appraiser and did not address any other issues. Also, Sofi does not accept any type of Escrow Agreements for new construction, which should be communicated upfront. The appraiser they hire should be looking to make sure everything is complete to report a possible problem ahead of closing. As of XXXX CT on XX/XX/19 (Friday) we do not have a Closing Disclosure for a loan that was scheduled to close on XX/XX/19 (Monday).

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I reported my account to Synchrony Bank Sam's Club MasterCard back in XXXX because there was some transactions made when I was on active duty orders and I have proof showing I was on XXXX XXXX military XXXX and I keep trying to send them multiple ways through fax and through certified mail and they keep claiming they can't get my orders so now you're saying I have to pay for the fraud when I wasn't even here every time I try to contact them they gave me the same story saying they can't do anything about it and can't reopen the case they say they can't pass me to a supervisor and they can't accept any information any other way. I know they can get my XXXX XXXX XXXX because they have applied them before but now when it comes to fraud they don't want to apply them and want me to pay these purchases that were made in my home state while I was gone

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was contacted by American Express [ by email]  with an offer for a new  credit card. It was for the XXXX XXXX XXXX. -- a new card and new name. I was offered XXXX  XXXX points for signing up if you spend $XXXX in the first 3 months. I called and checked to make sure that if I spent this amount and charged it to the card I would receive the points. I applied , received the card in XXXX I   called again to check that I would receive the points  and again I was assured I would.  I spent the amount in the first 3 months as required.I did not receive the points. I called customer service and a complaint was filed. I never heard from them. I called again on XX/XX/XXXX --I care # XX/XX/XXXX -- I was assured by a rep that I would indeed receive the points as I was misled. I called today, XX/XX/XXXX to see what happened and I was told they closed the case as a XX/XX/XXXX company that I am the head of had a card in XX/XX/XXXX.  That XX/XX/XXXX received points. They told me there was nothing they would do about not honoring their offer even though I asked before using the card.   I am a XXXX XXXX  and I would have used a different card to make these charges if I was not going to receive this bonus. Also I would have not applied for it in the first place.Thank you for any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Purchased safe deposit box @ Wells. Wells would not accept transfer of funds from a XXXX  account. Said to "come in" to fix problem. I decided I did not want this box if I had to jump through hoops. I returned the keys and so informed them. Request to crediut back all and every transactiuon to do with this box has been ignored Apparently WELLS still thinks it is King. No amount of fines or articles will stop this venal bank from stealking where it can. Your help would be appreciuated,   XXXX XXXX. 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