vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After more than 10 years as a great customer, always paying on time more than the minimal payment, I had to put 2 of my Chase credit cards on Consolidated Debt, because the pandemic ( NY has had the worst ). Still, I kept paying the other 2 Chase cards, always on time, more than the requested minimum amount. 
Suddenly, last XX/XX/2020 while I was ready to pay for my groceries at the supermarket, my Chase cards were rejected. It was only a {$18.00} purchase. I was shocked XXXX groceries wasted, as nobody touches anything these days. Very sad, with so much hunger around ). 
I run home to realize Chase had canceled those 2 cards, without any warning. I called them 3 times, no professional answer. I emailed them, and only 3 days later they called me back, saying my cards were canceled because I was a " delinquent ''. I am still speechless : 1 ) Since when, a " Consolidated Debt '' is an illegal process? I am using a legit procedure, and paying on time to that company, so they pay Chase. 
2 ) The cards Chase decided to cancel : I have had them for many years, and never ever was late on payments, always doing more than the minimum.

3 ) How come they took such decision without considering my history, and giving me the chance to defense myself?

4 ) How dare Chase to call me a " delinquent ''? They are damaging my credit and reputation.

This is unacceptable, disrespectful and outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have a loan with GM FINANCIAL and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  GM FINANCIAL and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
this account was approved to be deleted as per fcra regulations on XX/XX/2020 account still appears on all 3 credit bureus and it is extremely hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
Use remitly to send urgent money abroad, believing that they will deposit in " minutes '' as their advertising says and beo it takes around 6 hours for the shipment. I used the service on XX/XX/2020 at XXXX XXXX, in total it was XXXX dollars and they told me XXXX for the shipment. I expected to receive the money in minutes as its advertising says but then I realize that an email arrives saying that it would be delivered on XX/XX/2020 at XXXX XXXX. This is not an Express service as advertised. I feel cheated by this company.

Now I have to go out and look for where to send the urgent money because it does not work for me 6 hours later. I need it in " minutes '' in the destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and this is my complaint I am filling this complaint since on XX/XX/XXXX in Bank of America XXXX Account, they made ( somebody ) a deposit from XXXX  XXXX which I was not aware. 

Then they made 2 transfer by XXXX which I do not authorize but the bank claims that I do authorize them to do this and that they sent me the authorization code to my phone but I have not received any code. 

I understand that what the bank is doing is unfair. I have not received any code and any email notifying anything and they took all my money from my saving account and I have more than 4 months in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Payday loan 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted by an agent named XXXX and she proceeded to tell me i had until the end of day to pay back an old payday loan i had forgotten about. She told me it would be handed over to courts if i didnt pay XXXX dollars and that i was being sued for Fraud, libel, and misconduct. They also called my family memebers repeatedly even when told not too by said family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I took out a loan with mobiloans when I encountered some financial hardships. They present the loan as a line of credit but what was not made clear, and was very deceptive, is that the charge a very high fixed fee every two weeks, which means that out of your biweekly payment, only a few dollars actually goes towards your principal balance. Mobiloans also told me that there are no prepayment penalties, but when I tried to pay down some of the principal balance, they instead applied it to the following fixed fee scheduled. 

I emailed mobiloans and explained what happened, and that I want to make a payment toward the principal balance. The reply to my email was that I need to call customer service if I wanted to complete that action. When I called customer service, they said I can not do that because the fixed fees are fixed, and you have to pay them every two weeks. 

This is fraudulent and predatory practices and trap consumers into an endless cycle of fixed fees that equate to over 400 % interest rate.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I paid a collection off in 2019 which was less than {$200.00}. The collection agency was close enough to drive there and pay in person. I paid in person and was told that it will be removed from my credit report in a few weeks. It has yet not been taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R  226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: OR

Complaint narrative:
I disputed an overcharge by XXXX XXXX  XXXX  with my credit card company, XXXX XXXX. XXXX XXXX refunded me the amount due from XXXX for the deposit i made. XXXX never provided a refund of the remainder of initial deposit, and then sent that balance my credit card company refunded to collections. Not okay. I have repeatedly called M. Leonard and Associates. They say the person i need to speak to is unavailable, at lunch, on vacation. It is absurd. I want to report them for unfair debt collection practices as they will not accept my dispute of the validity of the debt. I have also left several messages for XXXX, and emails, receiving no call backs or email replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Website offered credit reporting services for Credit Report. Requesting my Credit Card information for verification purposes but didn't state i would be charged or how much. After signing up i then received an email receipt for a charge for {$27.00} which I did not authorize. They allowed me to cancel the membership but there is no refund for the unauthorized charge.

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I urgently require a Cheque book but PNC bank doesn't have any branch in California from which I can get a cheque book and they require 2 weeks to ship a chequebook.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have 2 capital one credit card not showing on XXXX  credit bureau. The creditor removed it from XXXX  credit bureau on XX/XX/2020. It's been over 60 days and it still not showing on my XXXX  credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a loan with AMEX and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and AMEX and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with CB/WAYFAIR, XXXX/XXXX and XXXX XXXX.  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX CB/WAYFAIR,   XXXX/XXXX and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with DISCOVERBANK, XXXX  CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and ISCOVERBANK, XXXX CARD and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
I have a loan with XXXX, JPMCB CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, JPMCB CARD and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with XXXX, XXXX XXXX and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a XXXX   payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, XXXX XXXX  and CB/VICSCRT with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
This is my third time complaint they keep responding that the complaint does not apper to be from me. This is an ongoing problem with Experian so I am sending the same request again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XXXX XXXX ) 2. ( XXXX XXXX, XXXX & XXXX XXXX XXXX 3. ( XXXX XXXX & XXXX XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with CBXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CBXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-07 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: VA

Complaint narrative:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including Capital One. Capital One like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references  would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of Capital One ) and my  score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with Capital One, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to Capital One on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Unauthorized debit card transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation