vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In regards to XXXX response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & XXXX not receiving my payment in time. According to our payment we made in XXXX it was received by XXXX on XX/XX/29. XXXX is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because XXXX HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with XXXX and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at XXXX to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a checking account I've had for twenty years. I had an incident of the bank ( Chase Bank ) accepting debits on my account and not providing adequate security to prevent the debits from continuing even after my repeated requests for them to secure my account. 

Here are the debits : The debits are from XXXX XXXX XXXX XXXX for a XXXX LOAN Payment by XXXX XXXX. 
They are preceded by a test credit/debit to test the account for my checking account ending in XXXX. 
1. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 2. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 3. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 4. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 5. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 6. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 7. XX/XX/XXXX XXXX Loan Payment Web XXXX WEB ID {$2000.00} 8. XX/XX/XXXX XXXX Loan Payment No Desc. {$2000.00} XXXX They sent a notice that # 8 wasn't charged to my account. Note that # 7 was charged to my 2nd account and # 8 was, apparently, set to charge for my 3rd account number - THIS HAD TO BE A COMPROMISE THROUGH THE BANK, because I did not use the 3rd bank account number they assigned - they obviously are getting my account changes through the bank. The bank is NOT protecting my account. Moreover, when returning funds for a claim ( temp. ) they deposited the fund in the closed accounts which is very strange to me - they would be compromised immediately. 

When I reported this 3rd bank account being insure, too, they immediately closed my account and closed my credit card accounts with Chase bank. I had incentives available that were taken away from me and this action may damage my credit rating as well. 

I did EVERYTHING the bank recommended to secure my information even having a computer systems professional go over my computer. There were no malware, virus or other materials to suspect any issues with the computer. Even though I changed passwords each time, I retrieved passwords from the bank on occasion and they were not careful in giving out that information - security is way too lax at Chase Bank and they didn't take seriously the need to monitor and identify security lapses from inside the bank. They wanted to blame the customer and were blind to lax security to protect their customers. THEY BLINDLY TOOK THE BANK 'S SECURITY FOR GRANTED AND PUNISHED THE CUSTOMER FOR BRINGING UP THEIR SECURITY ISSUES ; I AM VERY CONFIDENT THE BANK WAS GIVING UP MY NEW ACCOUNT INFORMATION AND WERE NOT PROTECTING MY FUNDS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They called me about an old debt that had been charged off. I do not know who this company is. I asked them to contact me by mail at the address on file, I asked for their fax number to send a cease and desist. She said they had no fax number, but gave me an address only. She did not admit that this was a debt collection, and when she did it was after I had got all my information, did she mention I was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I've been a loyal customer with Chase Bank since XXXX. In XXXX I opened a credit card account with them, XXXX XXXX XXXX. I've paid on time every month since then. Except in recent months they've started charging me what seems to be a very high interest rate, fees for a XXXX XXXX and anything else they can think of plus what are now late fees because the fees they are charging have become too high for me to afford. I've called them two times in an attempt to get me on a payment plan to bring the account current and continue to pay off my debt. You know the kind of things a responsible consumer would do. I offered to get a loan from a relative to get caught up and they rejected me. I have had my hours cut at work, resulting in a loss of income. I am a single parent trying to do the right thing here. Chase is unwilling to assist the customers who have kept them in business for many years. I do not think the fees they are charging are even legal or allowed per law. I do not agree that they could charge me a cash transaction fee for a XXXX XXXX paid with my credit card. Complete unfairness!!!! I would ask that your agency review their business practices as I plan to challenge them in any way possible. I've attached the latest credit card statement for your review. I hope you will help me. 

Further, as to my checking account, I called to have my debt card replaced because the magnetic strip was worn out. I never received. After a month, I called to follow up and they said they would send another card out. What they did not tell me is they were going to CLOSE OUT the card in my possession. This is my main checking account. I did not find out my card was useless until I went to purchase groceries and my card was declined, the same day. When I called them to find out the issue that is when they informed me of what they'd done. I was unable to buy food for my child that day and for several days later I had no access to my funds because at the time I was out of state and they do not have branches there. They caused several interruptions to auto-debit payments that were linked to that card causing the payments to bounce or be declined, giving me a bad name. They have caused me tremendous grief, inconvenience and outrage. I demand JUSTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: AES/PHEAA
State: PA

Complaint narrative:
PHEAA 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. PHEAA should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

XXXX  is still investigating this also, which tells me that PHEAA was prematurely assuming it had done nothing wrong without properly investigating. CFPB, PHEAA is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to PHEAA deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. PHEAA did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I need the XXXX XXXX to be Deleted from my credit reports today as promised by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a progressive problem : It is getting more and more difficult to redeem " points '' on my Chase credit card. 

The latest iteration, which occurred today, required me to go round and round with the website. 

I just wanted to get the " rewards '' posted to my card, but the site kept trying to divert me to other places ( " XXXX, '' etc. ). 

The default targets for " rewards '' should be either the card account, or a check for cash back. 

The new Chase website makes it extremely difficult, time-consuming and frustrating to redeem these so-called " rewards ''. 

I could attribute this to sheer incompetence, but I fear that it is deliberate on the part of Chase to confuse cardholders and divert their rightfully-earned rewards into other " programs '' that they neither want no need, and that it might be difficult or impossible to claw back their rewards. 

Redeeming points used to be a simple, straightforward procedure, by which a customer could simply access the available rewards amount, click on redeem, and the proceeds would be credited to ones account. 

Enforcement action against Chase is required to remedy this situation of their making.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need the XXXX XXXX to be Deleted from my credit reports today as promised by 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 2020-01-22 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: FL

Complaint narrative:
I need the XXXX XXXX to be Deleted from my credit reports today as promised by 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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Conflicting fraud Investigations and lies from their investigators. Credit report correction. 
Since I found this random credit card account describe as SYNB/PPC on my credit report, I did some research to find out what exactly was the origin of this account. I come to find out that this is a PayPal Credit Card that was supposedly open in XXXX. The account has no balances or anything. However, the issue here is I never once sign any documents or given my information for a credit card for a paypal credit card. I immediately informed the credit bureaus that this was fraud. After Synchrony bank completed their investigation. They sent my a letter XX/XX/XXXX that informed me that they would be closing this account and removing this from the credit bureaus. Ill attach this letter with this post. Everything seems to be going well with the credit bureaus flagging the SYNCB/PPC account as fraud and removing it. However, a few days letter I get another mail that says that they are unable to approve my claim because I accepted responsibility for the charges???? Never have I once signed or spoke with anyone where I stated that I accepted this account. Just more lies from this bank. Second they stated that I failed to cooperate with their investigation which is another lie since they never reached out to me or anything. I called them on more than one occasion and they informed me that the investigation is on going and they will give me an update. Lastly, which XXXX me off the most, the letter stated I knowingly released the account information which is again not true since I have no idea what the account number for this fraudulent account. To their credit, they did closed this account which is a good thing. However, at this point they need to follow through on their original conclusion to this claim since they have no proof or any documentation that I opened this account. This has become frustrating and I will consider contacting a lawyer if this is not resolved.

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 2020-01-22 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 AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG 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 2020-01-22 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 AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. XXXX should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

TransUnion is still investigating this also, which tells me that XXXX was prematurely assuming it had done nothing wrong without properly investigating. CFPB, XXXX is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to XXXX  deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. XXXX did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.

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 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting on my credit report they closed this account as faud but have not deleted from credit reports

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 2020-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact XXXX XXXX who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers

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 2020-01-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the fifth request for my credit report. One of their associates said it was complete and the sent another letter asking for more information. I sent them a drivers license and a social security. Now they want a birth certificate. I was not born here and I am retired. What else so the want a XXXX XXXX XXXX XXXX so they know I am annoyed. And you are not helping me. I will send a letter to my attorney and one to you so they know I am what is coming next annoyed. 

They previously sent me a copy of my report how is it they do not have. I will also send a copy of my first page of the report. Why can't you do something about this. 

THIS IS MY FIFTH ATTEMPT WITHOUT RESULTS.

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