vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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:
XX/XX/17 I purchase a photo package for {$87.00}. The company charge {$8700.00} to my credit card. I opened a dispute to Capital One. I canceled the transaction by phone and email to the company. Also I called Capital One to inform about the fraud they told me that nothing that can do. Finally, after too many phone calls to get answer. Capital One fail my dispute saying XXXX did not accept my dispute because I did not have a cancellation document. I told them I canceled by phone and also by email. I have prove for all documents and also recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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/ I took about XXXX adults and XXXX kids to XXXX. I put the transactions at different times because everyone arrived at different times. One of them didnt show up so I had to get a refund. At XXXX we were riding the monorail and one of its compotents above our heads opened up and hit me in the head. Its a pretty heavy components so it left a bruise. I told the employees at the park and they took it out of service. Needless to say i was fine for the day. Me, my wife and XXXX kids ( my kids birthday ) left the park. 
I contacted XXXX but they said to dislike it and they would credit me. Do I disputed the charge with my credit card company and XXXX wrote back to chase saying service was rendered. When I spoke with XXXX XXXX from chase he said the dispute team coded it incorrectly. It shows service never rendered and it was it just wasnt as expected. He said he had to close out the disputed and that I would have to start over with the correct coding. On XX/XX/ I got a letter that said it was closed out and I called chase to redispiye the charge. They said I had to write a letter to redisputed the original disputed. I informed them that the person ( I gave them his contact information ) whom is handling the case said I had to redispute it. They said they wont do it and I was out of luck. Managers name is XXXX XXXX whom said he so f help me. I said can he contact the other person whom is also from Chase to find out the correct way for me to fix this issue. He said he will not contact his colleague and I was out of luck. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
My interest rates continually rise making it impossible for me to get out from my student debt. My initial interest rate was for 8.25 % ( very high- but my only option at the time ). My problem is that this number increased three times per year in XXXX and so did the owner of my loan. Every time the loan changes hands - my interest rate increases. I am only offered a 0.25 % rate decreased if I consent to having automatic bill pay. I am very uncomfortable with any company using this method of payment and refuse. I have been repaying my student loans however the interest continues to increase. 

XX/XX/XXXX - Interest rate increased to 8.75 % XX/XX/XXXX - Interest rate increased to 9 % XX/XX/XXXX - Interest rate increased to 9.25 % XX/XX/XXXX - Interest rate increased to 9.25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Inquire appeared on my credit report I didn't authorized ( not associated with an open account )!!! Date : XX/XX/2018 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC
State: DE

Complaint narrative:
On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
My Citi Card credit card has trip delay insurance as part of its benefits ' package. On XX/XX/XXXX filed a claim, Case Number XXXX, Citi card ending in XXXX, in connection with an overnight delay in my trip caused by maintenance issues with XXXX XXXX. The trip date was XX/XX/XXXX. My claim was denied. I requested the credit card company re-evaluate and I made a phone call, and it was again denied. 
My flight from XXXX airport on Thursday, XX/XX/XXXX, was delayed over 12 hours until the following morning, Friday, XX/XX/XXXX. As a direct result of this delay, I was forced to spend the night with my family in XXXX, incurring meals, hotels, and other expenses. I submitted all the documenation of the expenses and the delay as required in my claim form. Prior to incurring any expenses for hotels, meals and other travel expenses. I contacted Citicard Benefits on the evening of XX/XX/2017, to ensure my trip and travel delay expenses would be covered. I pulled up the language from my benefits ' package before incurring any charges on XX/XX/2017. I am a lawyer, and I read through their benefits, and I believed my expenses would be covered. I called them to double-check that I was interpreting the language correctly. 
When I called, Citicard Benefit representative assured me that my trip was covered. I can provide you evidence from my cell phone records of this phone call, should you desire it. In reliance upon the assurances I received from Citicard 's Benefit Specialist, I proceeded to incur expenses in the amount of {$660.00}.

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 monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: WI

Complaint narrative:
My existing mortgage was being serviced by XXXX XXXX. In 2017, Home Point Financial Corporation purchased XXXX XXXX. My mortgage had been set up for auto-payment with XXXX XXXX. 

About a week ago, I received a notice that my XX/XX/XXXX mortgage payment was past due, and I was being assessed a {$72.00} late fee. I looked into the issue, and it appears that the XXXX XXXX payment system was discontinued and was transitioned to an online portal through Home Point Financial Corporation. I was required to create a new account in the HPFC portal, and my auto payment was not setup in the system. I promptly set up the auto payment in the HPFC portal and submitted my overdue XXXX payment plus the late fee. 

I attempted several times to call customer service at the number listed on the website, XXXX, however I received various error messages or busy tones. I was not able to connect via phone. I emailed HPFC through the online portal explaining the situation and requesting a waiver of the late fee. However, when I received a response a week later, the response only provided my balance due amount and directed me to either call or email HPFC with further questions. I am unable to get through on the phone to HPFC as the customer service number provided, XXXX is not working. Also, there is no customer service mailing address listed on the " Contact Us '' section.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquire appeared on my credit report I didn't authorized ( not associated with an open account )!!! Date : XX/XX/2018 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The below are the TOP 2 reasons TransUnion puts on my credit report for why it keeps declining. I have downloaded free credit reports and there is NOT an account I've been late on. I've NEVER missed a payment in my life. It is getting so frustrating. I plan on buying another house in about a year and I need this fixed. Its been over a year since the last time I disputed to TransUnion.

XX/XX/XXXX : Submitted Complaint that they had incorrect information XX/XX/XXXX : Notification it was closed XX/XX/XXXX to Present : I still get the below reasons which are ridiculous.

1. Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 2. Too few accounts currently paid as agreed FICO Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

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 2018-03-06 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX2014 -- -- - {$490.00}. reported on my credit report. told them this in not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian. I know you've received multiple complaints about them. They charge me every month, despite me never signing up for anything. You can't cancel online. They don't answer emails. The wait time for the phone is over two hours long. Absolutely unacceptable.

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 2018-03-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.

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 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of 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 explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking

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 2018-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.

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 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$710.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX  and the

account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: LA

Complaint narrative:
Chase mortgage is reporting paid, 30days late on my credit report. the late payment was in XX/XX/XXXX. I have a court signed judgement that my exhusband XXXX XXXX is responsible for the debts of the former XXXX home located at XXXX XXXX XXXX XXXX, La. I have a judgement dated XX/XX/XXXX and XX/XX/XXXX stating this, I was not even living in the home. Please remove this late payment from my credit report and leave it on XXXX XXXX since he was responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/2015- XXXX,XXXX,XXXX- called them and explained why the accounts were wrong. they told me to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT

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 2018-03-06 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: IN

Complaint narrative:
I do not owe this debit, I requested written validation of debit from the company and received no information.

Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.

I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have called Experian for the past 6 days XX/XX/18-XX/XX/18 multiple times per day to cancel my membership. The wait times are 2 hours plus and once you get through the call disconnects. There seems to be no way to cancel my membership unless I cancel my credit card. Cancelling and opening a new credit card reflect negatively on your credit report. This company is supposed to help with your credit but instead hurts 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 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened a loan with CapitalOne Auto in XX/XX/XXXX. Never received a statement from them for the loan. Called them in XX/XX/XXXX asking for statement. Paid balance over the phone and they waived late fees for XX/XX/XXXX and XX/XX/XXXX. Set up auto pay and pick paperless mail. late pay is showing up on credit report for both XX/XX/XXXX and XX/XX/XXXX. Reporting XX/XX/XXXX and XX/XX/XXXX. They are saying they have the correct address, but to date I have still never received a paper statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX-XXXX, XXXX- informed them that this was incorrect. plus showing XX/XX/XXXX when in fact it should be XX/XX/XXXX.

Company response to consumer: Closed with explanation