vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This is concerning a dispute original filed in XXXX, and continued throughout XXXX into early XXXX, throughout which period I provided numerous supporting details and corresponded extensively with Chase Bank before they ceased responding. 

On XX/XX/XXXX I was charged {$1000.00} to my Chase credit card by a mechanic who DID NOT perform any repairs on my car as a " release fee '' ( he had quoted {$120.00} ) for my vehicle. He also charged {$1300.00} to the other card he'd taken on file, which XXXX XXXX promptly refunded when disputed. However, Chase bank has maintained for 2.5 years now that since I provided the mechanic with my card, I thereby " authorized '' him to charge me the {$1000.00}. 

His charge was illegal. He did not provide me with a quote for this amount, as required by Ohio law. He did not perform any repairs. He also illegaly refused to release my car, forcing me to call police multiple times, and file several reports that he apparently " smoothed over with his friends at the office '' ( direct quote ). 

This is illegal. Chase Bank is a disgrace. I am requesting {$2500.00} compensation for the abuse and wasted time I've endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Due to the pandemic i have been unable to make the minimum payments on my Capital One Credit card. I called and spoke to a rep who stated no problem they can help. I explained to them my wife has become XXXX and is no longer working. She recently filed for XXXX but has not been approved as of yet. My income right now is not enough to cover my mortgage, food, health insurance etc.this time. I even explained i have not received a stimulas check either. They stated due to the pandemic they are willing to work with customers by waiving interest and late fees during this time. This would be ok for the next three months then they would review and see where i am at and may extend offer if need be as long as i didn't file for bankruptcy. They stated pay what ever you can until you can catch up so i agreed. Several days later they billed my card another XXXX interest fees, XXXX past due fees and XXXX dollars membership fee. My card has a XXXX limit on it and its currently at {$9100.00}. How are they allowed to charge me fees for a card i am unable to use? I called and spoke to them about the agreement and they stated who ever told me that was incorrect they only waive a late fee of XXXX that's it. I stated what good will that do if i cant afford the minimum payment which at that time was XXXX now its currently at XXXX and climbing.If i do what they say and just pay what i can the following month i will owe it all again and then some. My payments have always been current up to this point and you would think under these circumstances they would waive all fees during this time and allow the customers to pay down what they owe without being ripped off.Capital One is clearly taking advantage of their customers. This activity should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened an account with Bank of America with a {$1500.00} ETF transfer .. 
They are refusing to allow me access to the money because they can't authenticate that it is me until I am Authenticated .. After hours on hold and many phone calls they insist that my only option is to go to a branch and provide an ID. The nearest branch is a 3 hour drive from me .. 
Clearly they could ascertain that it is me in many other ways but they the will not .. 
I have no way to access my funds and I want them returned and this account closed .. 
If they can't provide me with a means to authenticate myself then quite clearly they are denying me access to funds. 
I want the money back ..

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 2020-04-30 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I had made a purchase at a XXXX dealership for a service ( fixing my a/c ). I paid for the service up front, like the dealer requested. I had to leave town for work, when I came back the dealer sent back the parts for my car, so I spoke to the XXXX and he agreed to refund me for the services, given that I never received them. XXXX never refunded me, so I took it with XXXX XXXX Credit Card and dispute it. They returned saying that the dealership had enough proof that I made the purchase. However they refused to see that through the whole time I talked to them about the dispute, I mentionedseveral times, I never received the service. I made the purchase and never got the services. When requested proof of the investigation. They had none, only that I made the purchase. No proof of the dealership saying I received the services, the only thing I got was we can do nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United Acceptance Inc.
State: FL

Complaint narrative:
purchased a XXXX  XXXX XXXX paid it off 2   weeks early they told me United Acceptance Inc that my title would be here in 10 business days it has been 5 weeks no title am starting to get worried they ripped me off .Because I first bought the car from a car dealer and financed The Loan in house From a car dealer who sold my loan to these people after he ripped me off to hide it now they wont give me my title .so I want to open an investigation on both Companies from the start of the contract .The First Company is XXXX XXXX XXXX XXXX At XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX And the Second Company is United Acceptance Inc At XXXX XXXX XXXX XXXX XXXX Ga XXXX Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
XXXX XXXX is on my credit and its not mine. I requested that they remove it from my credit. I asked them to verify a signature and I did not receive a response from them. It has been removed from other credit reporting agencies. But equifax is still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed and an unauthorized user was able to access my account and transfer via XXXX funds to another accounts and they began to harass me about money I went to the police to file a complaint about the scam and threats done to my life. When I reached out to my bank to notify them about the situation and file a claim in hopes of recouping my money by cancelling the transfer or seeing of any protection that the bank had. They said they could not help me due to the transfer being done via XXXX. Even though their bank offers this service within the application and the I was scammed into this transfer. I have attached both transfer of a total of {$490.00} and can provide a police report of the incident if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NY

Complaint narrative:
Dear Sir/Madam, I've submitted a letter in response to your XX/XX/2020 letter but didn't get any response. So I '' m attaching the letter again here. 

Also, among the two loans you sent over, one under XXXX XXXX, the other under XXXX XXXX, which one did you approve? It seems per the document your sent over, those two are differed by interest rate, XXXX XXXX one is prime rate -0.5 % the other is prime rate +1 %.  Would you please send me promissory notes for both, as you claim both are my loans? 

Thank you very much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The 3 Credit Agencies ( XXXX, XXXX, and Transunion ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX   - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/20 I received an alert that my XXXX XXXX XXXX had been closed without any notice. I received no written notice from the bank telling me that my account was closed or that it would be closed. The account has always been paid in full and on time without issue however it appears that the bank has chosen to close the account with notice in violation of required notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
XXXX XXXX XXXX was removed from other credit reporting agencies but equifax is still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
THIS COMPLAINT IS ABOUT USAA 's CONFLICTING FRAUD INVESTIGATIONS BEGUN Attatched XXXX XX/XX/XXXX Adjustment Purchases of USAA XXXX DISPUTES USAA SUBMITTED. ( {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CONFIRMED BY USAA XX/XX/XXXX AS ** AUTHORIZED TRANSACTIONS USAA POSTED NEW TRANSACTIONS XX/XX/XXXX FOR THESE ** AUTHORIZED TRANSACTIONS TOTAL {$470.00} See attatched XX/XX/XXXX CREDIT CARD ( FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I SUBMITTED ) XXXX. OF XX/XX/XXXX {$470.00} ** THESE ARE SAME {$470.00} TRANSACTIONS THAT USAA SUBMITTED XX/XX/XXXX CONFIRMED AUTHORIZED TRANSACTIONS XXXX XX/XX/XXXX. USAA POSTED NEW TRANSACTIONS. I DID NOT PURCHASE. THESE AND SIX MONTHS LATER SAME TRANSACTIONS ARE UNAUTHORIZED. USAA HAS NEVER PROVIDED THESE FRAUD CREDITS FOR XX/XX/XXXX OR XX/XX/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 2020-04-30 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: Social Finance, Inc.
State: AZ

Complaint narrative:
There has been an issue with my identity being stolen and certain inquiries that appeared from the situation remain to be reported on my credit. from XX/XX/2020 to XX/XX/2020 those inquiries were placed by an imposter trying to be me. i have filed much paperwork showing inaccurate information with signatures and documents. i need help to clear my name of these acts due to the harsh times of today. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/20 I received a notification from XXXX XXXX that my credit had a hard inquiry by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX through Equifax. I logged in and looked at the inquiry. I filed a report disputing this hard inquiry I did not authorize. I have no business dealings with XXXX XXXX XXXX whatsoever, so they have no authority to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: IL

Complaint narrative:
I sent a letter into XXXX regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on that bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Last summer I was notified by XXXX county that Freedom mortgage did not pay my 2016 property taxes and they had auctioned off the debt. It took weeks to get this issue resolved and Freedom ended up paying the debt. 

This past XXXX I got a letter from Freedom saying that I had missed by XXXX payment. I had made the same payment I have diligently made every month. I had not missed a payment. Freedom stated that they had raised my mortgage by approx {$400.00} dollars/month in order to recuperate the money they spent to cover the unpaid 2016 taxes. They said that there was now an escrow shortage I immediately began calling and emailing. There has been tremendous difficulty getting responses. I made an arrangement to spread the escrow shortage over 4 years. This increase would be approx $ XXXX over 48 months. I received a letter confirming this. 
Customer service stated that they had waived the XXXX late fees and agreed to the new payment plan. 
For XXXX I made the new payment that was {$100.00} more. 
I then received a notice saying again that I had missed another payment. 
I paid XXXX and XXXX. The XXXX payment was my original and XXXX was the {$100.00} more. As stated in the letter I got from freedom. 
Throughout this process I have made numerous calls and sent several emails trying to find a resolution. I believed this was resolved when I got a letter. 
I have been reported to the credit bureaus as having missed 2 consecutive monthly payments and my credit score had need affected. Freedom still shows me as being delinquent. I can not get hold of anyone, I can not get a call back, I cant get a response to an email, I have no way to get any sort of resolution. 
I need assistance. I need help getting through to someone at freedom to get this issue resolved. I need to know how to fix this and how to get freedom to fix my credit. 
Please help. Thank you

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I called my mortgage servicing company United Wholesale Mortgage about a forbearance on my mortgage payment, due to loss of income. I was told that there is only one repayment option. Which is to repay my mortgage forbearance in one lump some. It also states the same on their " Coronavirus Assistance '' page. 

https : //assistanceprograms.loanadministration.com/ I don't understand how this can be any type of assistance? I am having financial difficulty due to loss of hours because of the Coronavirus, How is it " helpful '' to be told that I have to come up with a lump some payment of nearly {$20000.00} at once? The problem is I dont have enough to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/XXXX, I noted fraudulent charges on my Sear Mastercard ( acct. # XXXX ) and immediately reported these to my credit card company. When the company repeatedly refused to delete these charges, I made a complaint to CFPB ( XXXX ). This was subsequently resolved and I wrote the company and asked that the account be closed. I received a written response from Citicorp Credit Services, confirming that the charges were deleted and the account was closed. There was no further contact with the company until I received a bill in XX/XX/XXXX for {$110.00}. I again contacted the company and explained that the account was closed and no further charges had been authorized by me as the sole authorized user on the account. The company acknowledges that the account was closed, but continues to bill for these charges, which have since increased to {$220.00}.

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 explanation