vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase Bank reported me to the credit bureaus for a missed {$5.00} missed payment. I have been a customer of Chase for 11 years and never use this card. When I receive notification through my XXXX  credit monitoring service that Chase reported me for this missed payment I immediately paid it and attempted to speak with a Chase representative to have this taken off my credit report. I had no idea I had a missed payment because this card is so rarely used, and have never had a missed payment with Chase before this. They refused to remove this from my credit report, despite the fact that it lowered my credit score by 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
I have had Capital One Platinum VISA card since XX/XX/2014. It was originally a secured card, obtained to establish credit. At that time there was an annual fee of {$29.00}. 

Several years ago, Capital One revised there fee structure and made the Platinum VISA free of any annual fee. I will provide a link if needed, but simply XXXX " Capital One Platinum '' will bring their advertisement, prominently showing zero annual fee. 

I have spoken with them a couple of times, most recently today. It has been explained that because there was a fee when I signed up I must continue to pay that fee. They will not argue that the card is now free. I asked for an upgrade and it was denied. 

Capital One sent a solicitation for a pre-approved zero  fee Quicksilver  card in the mail, which is what brought this to mind. 

Capital One realizes that those with newer credit profiles may suffer if they cancel their oldest card, and that is my dilemma. 

Only to prove the validity of the request and my worthiness for credit, I will state my credit score is skirting 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
Not my information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Was promised a 5.99 balance transfer apr in first three billing cycles but was told after my second billing statement that my promotion had expired. Apparently what they really meant was three calendar months ( account was apparently opened in XXXX but not used until about XXXX. ) as they said the promo started when my account was opened, not at statement issue ( first was XXXX balance, but still- I feel very misled ). Again, the misleading language needs to be corrected to say first three calendar months after the account is opened. Their terms ( which the lady kept harping one ) imply that I should be able to do my balance transfer now.

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 2019-11-11 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
my lease car was totaled in a car accident on XX/XX/2019. after my insurance paid the lease company they billed me for {$1400.00} on XX/XX/2019. I sent them a certified mail on XX/XX/2019 disputing this amount. I never heard from them no more. I was checking my annual free credit report in XX/XX/2019 and saw they reported negative information including a charge off. my excellent credit score dropped a lot.i disputed with the credit agencies with little success even sending them documentation. I contacted the lease company and they keep giving me the run around.the lease company is Hyundai motor finance. the credit reporting agencies are XXXX  and 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 2019-11-11 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: NY

Complaint narrative:
Not my information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1.  XXXX, # 2. XXXX & # 3. Transunion about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX ) after the Account have been closed in Good Standing 3 Months prior, Another problem with 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 2019-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. XXXX, # 2. Experian & # 3. XXXX about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with 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 non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I previously had payments going through with the XXXX for monthly payments. After realizing these payments stopped going through, I called the XXXX back in XX/XX/XXXX/XX/XX/2019 to start making payments again. XXXX said they could not do anything for me, and connected me to Navient. When speaking to Navient, they seemed to be clueless about the process and told me there was nothing they could do unless I paid them the amount of around $ 600- {$800.00} that day. After I told them I could not do that, they then told me I should look at the other programs out there to get this resolved. I told them all i wanted to do was start making payments again but they continued to tell me there was nothing they could do. I then started to look into what other options I had and it started to make no sense that Navient could not do anything for me, so I called again and got another clueless rep who just wanted me to pay money that day. All i wanted to do, was start making payments so it doesnt go past the defer date. Fast forward to XXXX and I am getting a notice my wages are being garnished. I called XXXX, they used the excuse they could not do anything at the time because the account was with Navient. I called Navient to get their excuse, and in return just got some rude lady who again did not care and again told me theres nothing they could do because it was sold through the XXXX. Since my loan was then sold through the XXXX to another collector, interest was added. It feels like they intentionally blew me off so my account would defer and more money could be collected. If I called both the XXXX and Navient trying to get this resolved ( and have phones logs of this even though they tried to deny it ), but continuously get blown off, why am I supposed to deal with interest added for this XXXX up? I am being forced to sign into an agreement with another servicer, because if I dont an unfair amount of wages will be garnished to where I can not pay bills. Originally when I called the XXXX, I wanted to see if they'd admit to me calling them in XXXX, and they said they do have records of this. However, when I got on the line with someone else to get an excuse why this happend, mysteriously they have no records of me calling. I doubt this will do anything for me and doubt anything will happen to Navient or XXXX, as this has happend to several other people and they have a track record for this kind of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a Chase checking account, there was fraud on the account and the account was compromised ( there was one fraudulent check written and two check books ordered ). Chase immediately closed my account and I was unable to ever access the account again. They sent me payment for the closed accounts value and fraudulent check but I never received the {$83.00} for the two check books that were ordered. I have filed numerous complaints in branch and called customer service many times on this. Was told an {$83.00} check was being sent to me but I never received it. This has been going on for four months now with 8+ calls made to customer service regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  removed all of my funds from my Bank of America checking and savings accounts, and continue to do so, in addition to {$15000.00} from my checking and {$1500.00} from my Savings. I spoke in person and on the phone multiple times with Bank of America and they claim this is a garnishment, without any provided documentation proving that this is a valid garnishment. XXXX XXXX XXXX  said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my child support payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. Bank of America has not protected my funds and they also have not previously contacted me about these action nor have they shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. Bank of America has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with Bank of America a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in school and raising my daughter as a single mother.

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 2019-11-11 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: TX

Complaint narrative:
Hello, My TransUnion credit score dropped 75 point on XX/XX/2019. The only changes shown were a balance increase of {$49.00} with XXXX XXXX XXXX XXXX and a balance increase of {$15.00} with XXXX XXXX XXXX. 

During that same period, my XXXX  and XXXX  credit scores remained the same. 

I wrote a letter to TransUnion and requested that they validate and verify this drastic decrease in my credit score, yet no information was provided from them. 

Please assist in helping me to resolve this issue.

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had my Walmart Card with XXXX XXXX. Apparently they were bought out by Capital One. I made my XXXX payment and they say they never received it. I tried calling XXXX and was given the number to Capital One. I had already called them and they said they didn't show the payment, that I would have to contact XXXX. They charged me a late fee, which will be reported to my credit report and they said that they were not honoring my original contract. This should be against the law. I did not sign a new terms agreement. My payment went up from {$25.00} to {$35.00} because Capital One charges 1 % of the balance. XXXX did not do this. They should not be able to do " business as usual '' because they bought out other contracts. They should honor the original contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11 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: Global Lending Services LLC
State: IL

Complaint narrative:
Inaccurate reporting has been detected on my credit report. My credit report states that I am past due on a loan that has been paid for in full. GLS send a letter to me on XX/XX/19 that states my loan is paid for in full and that I owe a balance of {$0.00}. 

Supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
My vehicle was repossessed by Consumer Portfolio Services on XX/XX/2019, however they did a hard inquiry on my credit without my permission and for no apparent reason to lower my credit score even more. Consumer Portfolio Services has no reason to run a hard inquiry on my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I received a collection alert on my credit report from this company Credence Collection Agency. They first reported that I owed them money when in fact I don't. I paid this debt months ago to another collection company. Now they are reporting that the item was paid to them when in fact, again, I have never exchange money with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I check my credit report monthly, and back in XX/XX/XXXX, I noticed PayPal had pulled my credit report ( hard inquiry ).

I did not authorize PayPal to pull my credit. I did not apply for anything. Also, I had a Credit Fraud Alert active, so they pulled without verifying any information with me prior as well. 
I have reached out on ( 3 ) different occasions and was told it would be removed and to allow for 30 days. Every time, the 30 days comes and go, and I have to reach out again and I'm given the same response. The credit analyst also tells me they are unavailable to provide a confirmation number or anything to show something is being done. It is now XX/XX/XXXX, and it is still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Inquires on my credit report that I did not do or authorize

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 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Our mortgage loan is part of a XX/XX/XXXX bankruptcy filing but we have been making the required monthly payments on time, however, we have not been receiving any monthly statements from Specialized Loan Services. We received a phone call XX/XX/XXXX advising that our loan was past due. During a phone call with SLS CS dept., it was determined that our XX/XX/XXXX escrow payment was erroneously applied to principal only. Same with our XX/XX/XXXX monthly payment. This resuled in our loan reflecting as past due and late payment fees being incurred. We made request in writing to have these payments reversed and reapplied but SLS advised they can not do so after 90 days. 
I received a letter date XX/XX/XXXX from SLS stating that the information I received via my phone call in XX/XX/XXXX was incorrect and the payments were not mis-applied. This letter also advised us of the monthly payment amount due, the escrow balance due, and the late fee showing due on the account. I called SLS and they verbally confirmed that if those payments were made, the loan would be current. 
Those payments were made, plus an additional payment for a fee that showed on our XX/XX/XXXX statement but we just received our XX/XX/XXXX statement and there is still an amount showing in " past unpaid amounts '' and it is larger than last month.

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 2019-11-11 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: MN

Complaint narrative:
Inquires on my credit report that I did not do or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Inquires on my credit report that I did not do or authorize

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