vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: NY

Complaint narrative:
On XX/XX/XXXX, I complained to Chase Visa about 2 charges on my card. The merchant canceled the services but did not refund the full amount, giving me partial credit. ( See attachment 1 my original complaint ). Chase Visa agreed in writing that the original charges were in dollars, therefore the refund should have been in dollars. The original charges were for {$3400.00} and {$5100.00} respectively and the disputed amounts ( shortfalls ) were {$290.00} and {$290.00} respectively. In respect of the first  claim, Chase Visa wrote to me on XX/XX/XXXX ( Attachment 2 ) stating rather bizarrely that the merchant had agreed to refund the full amount of {$3400.00} and I should see that refund on my card. I presume they meant the disputed amount of {$290.00} - and that has yet to appear. In respect of the second claim, it has been completely ignored by Chase Visa. The Fair Credit Billing Act Section 1666 ( a ) ( 3 ) ( B ) ( also attached ) requires Chase within 2 billing cycles, or at the latest with 90 days, to either 1. make corrections to my account or 2. after conducting thorough investigation, send me a written explanation of why Chase Visa believes the amounts were correct. In the case of services not delivered, Chase VISA can not construe the amount to be correctly shown unless the services were actually delivered. Chase Visa did neither of these things. Quite simply, Chase Visa broke the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
I obtained a loan with Bankers Healthcare Group on XX/XX/2020. Upon further review I realized that the interest rate is 20.99 %. I did not realize that this is an illegal interest rate in the state of Florida and is considered usurous. The maximum interest rate in Florida is 18 % according to law. I contacted BHG on XX/XX/2020 by email, which I can provide, to discuss this issue. They stated the loan is serviced by XXXX XXXX  and no contract changes will be made, however, the contract I signed says XXXX XXXX. I also contacted an attorney who agrees that the interest rate is illegal and usurous in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA Account charged off. {$670.00} written off. {$570.00}. 

Delete, from my credit profile, the account its product for identity theft, I never live in the United States of America, just the last year to now, so it's impossible this account going to be mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: NV

Complaint narrative:
XX/XX/XXXX I turned in my leased XXXX XXXX XXXX to XXXX XXXX XXXX and leased a XXXX XXXX XXXX. My account was paid off completely for my leased XXXX and I was turning it in because it was due to be turned in. I noticed my credit score dropped about 50 points due to XXXX stating the account was charged off as a bad debt. I contacted XXXX and was assured this problem would be fixed. I checked my credit today and the bad debt status is still showing it only states the debt has been paid off. This is illegal and untrue. I followed their rules set in place and they are now illegally misreporting my account causing my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NH

Complaint narrative:
I have attempted repeatedly to obtain copy of my consumer file from LexisNexis and they have blocked access with error messages and extended wait times. As a result I have been unable to view my consumer risk file that caused my insurance premiums to increase substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
Under the Cares Act, my FDA backed mortgage with Freedom Mortgage, was approved for the 6 month forebearance due to COVID-19 on XX/XX/XXXX. Before entering into the forebearance, our mortgage was current and paid up to to date. The forebearance period will end in XXXX of XXXX. Under the legal section of the forebearance acceptance document, it says that our loan will not be sent to foreclosure. I received 4 forclosure notices on Saturday, XX/XX/XXXX. Today is XX/XX/XXXX and I called Freedom Mortgage to enquire about the foreclosure notices. I was told that these notices are automatically generated, but not to worry, but could not get anything in writing.

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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
i recently obtain my 3 credit reports and noticed accounts i did not authorize midland continues to contact me about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Hawes Klein LLC
State: KY

Complaint narrative:
I called portfolios XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th

Company response to consumer: Untimely response
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I called XXXX XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington Bank is making it very difficult for me to close my business checking account. They say they require me to come into a branch or send a notarized letter just to close the account! I do not want to do either of these things because both require interacting with people unnecessarily and putting myself and others at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, The merchant XXXX issued a credit in the amount of {$200.00} towards my American Express Serve card, however American Express claims that the credit is still being process. The funds were already credited by merchant, American Express is delaying the refund because they play with your funds for several weeks to gain interest. American Express ones again has engaged in Florida 's Unfair Business Practices. Funds must be released immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems showed up on my credit report with a past due XXXX XXXX bill of {$950.00} from Maryland in XX/XX/XXXX. I contacted XXXX, proved to them it wasnt me, as i was locked up at that time. I also disputed through 3 credit reporting agencies. 
Now, Jefferson Capital is saying the bill was from Maryland from XX/XX/XXXX, but I've lived in NC from XXXX. I cant get them to answer me, and my credit rating says they are counting every month now as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
EQUIFAX has been lowering my score for the last month and a half. It has dropped nearly 50 points and the only changes being made are the balances decreasing. There have been no negative changes, WHATSOEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased 2 pairs of XXXX running shoes representing {$160.00} from XXXX XXXX XXXX XXXX website. PayPal was used as the payment method ( Transaction ID  XXXX XXXX. 

On XX/XX/XXXX, I received one pair shoes and immediately saw that the product was product was counterfeit. Within 24 hours of the receipt, I notified the seller requesting a return for my money back. Despite 2 emails to the seller and a customer service email request at XXXX XXXX XXXX XXXX, there was no response. I then opened a case with PayPal requesting assistance. I entered the case information as directed and reached out to several people to ask about reimbursement for shipping. There was no response despite emails and my attempt to message PayPal via XXXX. I then posed the question when prompted to enter the shipping information. 

Because I posed this question instead of entering the shipping tracking number, PayPal declined my case. I had only received one of two pairs of shoes and therefore wanted to wait until the second pair had arrived. Further, I wanted a response to my question  regarding reimbursement for shipping costs. 

Three weeks ago, In XX/XX/XXXX, I just received teh second pair of shoes. Paypal is still unwilling to help me and stand by their flawed process despite my explanation of the issue. 

I am seeking repayment of my funds by Paypal. The seller never responded and closed the website shortly after my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I have a car loan with consumer portfolio, and have made over 55 payments and due to the virus. My payment was do on XXXX XXXX I made it on XX/XX/XXXX because I was just getting back to work, I work at a XXXX XXXX which that position is only a 9 month position.My credit score was XXXX and they reported to the credit company 's that is was late and they drop my score from XXXX to XXXX. I do not think that this is fair. What can i do about this. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow up to my complaint submitted to the FTC in XXXX. Somehow this was forwarded to the CFPB for review under Complaint ID XXXX. I was supposed t receive a result on this within 15-60 days from the date XX/XX/2020 as per the letter received USPS, however I received nothing. Upon further review and closer examination, I noticed that my name was misspelled as " XXXX XXXX '' although this complaint along with three other submitted to the FTC that same day against all three credit bureaus and the company XXXX was written by me and submitted correctly under my name " XXXX XXXX AKA XXXX XXXX '' so I can not understand how this error could have been made on four letters received from the CFPB. Furthermore when I queried the complaint ID in the system I found no information. I am resubmitting this and would like an investigation to be conducted on each bureau for their practices. See my original letter below with additions. 

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against TRANSUNION Despite my attempts to dispute several items they are reporting erroneously on my credit report, they continue to violate my rights by allowing these incorrect items to remain, have not provided the proof I have requested, and instead they blatantly ignore any of my requests. I have also made a separate complaint with the FTC and with CFPB regarding the inaccurate reporting accounts ( XXXX ) which has been logged under XXXX. Transunion has allegedly reinvestigated my claims although the dispute results have absolutely NO CHANGES. They have a responsibility to do so and it is their responsibility to maintain the accuracy of consumer credit reports. Additionally they have been inserting INCORRECT INFORMATION and stating that I requested this info be inserted or " updated ''. Why would i request that incorrect information be put on my own credit report? 

Over the past several months, I have tried to resolve this issue, but to no avail. They have failed to supply me with my annual credit report which I am entitled to for free. I have made two requests and they continue to BLATANTLY IGNORE ME. In addition to this, They have me listed as XXXX XXXX, when that IS NOT MY NAME. I am XXXX XXXX. For some reason they refuse to correct or acknowledge me by this name despite the fact that they have proof and know exactly who I am. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. I am attaching some of the correspondence sent via US certified mail.

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have reached out to discover already. I got a email once I filed the complaint with u the first time. They said the were going to remove it from my credit report but they never did. And as stated to the credit bureaus. Discover practice unethical measures with reporting negative info on consumers files. I filled a police report & identity theft report with the FTC so this account could be blocked from my credit per section 605B of the FCRA. It gets removed then they come back and says we have identifying info for the account so XXXX puts it back on. However when u ask for proof of yr signature or u applied .They never provide any. & XXXX is letting this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, in regards to an overdraft with XXXX XXXX XXXX, XXXX, Kentucky, XXXX, for the amount of {$300.00}, stating that if I pay within 40 days of the initial contact, I could settle for the amount of {$240.00}. I was not able to pay that amount within the time period allotted me, so I had to wait until I received my Tax Refund as my son and I live below poverty guidelines for the State of Kentucky, as I earn low wages. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, that my account was credited the {$300.00}, as I was able to pay the debt off for XXXX XXXX XXXX, and did so over the phone, and the letter states that XXXX XXXX notified their client that the debt was in fact settled and paid off. 

Not long after I paid off the debt with XXXX, I began receiving letters from another collection agency, called United Collection Bureau , INC.,  XXXX XXXX XXXX, XXXX, Ohio, XXXX, demanding I pay {$650.00}, and this letter was also sent on behalf of XXXX XXXX XXXX, but I could settle for {$260.00}. I did not owe XXXX XXXX XXXX anymore money, as XXXX XXXX XXXX closed my checking and savings accounts, due to the overdraft, and sending the initial bill of XXXX to XXXX XXXX. I have received three harassing letters from United Collection Bureau. The last letter was on XX/XX/XXXX. 

Recently I began getting harassed by another XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX, stating they are reaching out again, on behalf of XXXX XXXX XXXX, to collect the same amount as United Collection Bureau, {$650.00}, and I have been receiving harassing phone calls from XXXX since last week, from two different numbers : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX. They call and try to get me to verify my name, and my address, which I refuse to do. 

So, either XXXX XXXX XXXX has a dishonest employee, that sold my information to these collection agencies, or XXXX XXXX has sold my information. It looks like United Collection Bureau and XXXX are the same company, or UCB decided to sell my information to XXXX. I believe this has been a scheme that either began with XXXX XXXX XXXX or XXXX XXXX. 

I am extremely stressed as an older single mother, XXXX as of XX/XX/XXXX, of a XXXX year old son, we don't have a tremendous amount of money. I do have proof in my other bank account, plus the letter from XXXX XXXX that I paid my debt in full to XXXX XXXX XXXX XX/XX/XXXX. 

Thank you, 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 explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: GA

Complaint narrative:
The Georgia Goprogram card there is no way of reaching customer service. The number does not give you an option for customer service or to transfer your balance the number is XXXX. The website does not give you an option to transfer your balance either. I would like to transfer my balance to my regular account and close this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX, I applied for a mortgage. I was declined because my Transunion score was XXXX. A 186 point DROP that happened on XXXX. This change states on XXXX XXXX that it was due to me paying DOWN the balance on 3 credit cards, which is supposed to be good. It made my XXXX and XXXX scores both go up. Then on XXXX, my Transunion score went up 25 points due to me paying down the balance on 2 other cards. Transunion says scores are generated by computer. I told them there was a glitch of some kind because the only thing that happened between XXXX and XXXX was the decreased balance of the 3 cards. They should not be able to hide behind the fault of a computer.

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 2020-09-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
for the past month, experian has arbitrarily reduced my credit without credit report justification by 39 points.. 

additionally, when asked what was on credit report to justify such a precipitous drop, i was not given an answer that justified a 39 point drop ... 

especially since i have an exceptional payment history, no collections, low debt ratio, and low credit card debt ... also, i am a senior and the covid 19 virus precludes me from getting out as often to utilize credit as often as experian would like (? ) they seem to be punishing me for being prudent with my credit usage during a pandemic ... 

ironically, i was 23 points away from an " exceptional '' credit score and  was about to perform a financial transaction ... this must now be postponed because of experian 's dishonest credit score reporting ... 

additionally, experian has over 155,000 complaints on the CFPB website ... 

based on this phenomenon, who is more credible?

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