vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Called chase to dispute an {$8000.00} transaction and they did nothing about it. I informed them I would not be making payments on the card until they start to investigate it. Subsequently they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Data Corporation
State: IL

Complaint narrative:
There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.

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 2017-11-24 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: VA

Complaint narrative:
I have been trying to fix my credit report information with Equifax and XXXX all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Credit score is all over the place, XXXX here, XXXX over there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: VA

Complaint narrative:
I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information

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 2017-11-24 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: FL

Complaint narrative:
XXXX credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
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 2017-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -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 2017-11-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BQ & Associates, P.C., L.L.O.
State: CO

Complaint narrative:
I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XXXX XXXX, XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: CO

Complaint narrative:
I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XX/XX/XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be 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 2017-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a house that i lived in with XXXX XXXX XXXX after she passed away along with her son through her will, missed no payments, but after sending in a payment to Ocwen Loan Company, had the payment sent back and was told the house was going into foreclosure because the payments were behind, what they did was funneled two of my payments into escrow and when i sent in another payment, the sent it back, would not accept any payments, and started foreclosure, for several months they would not even talk to us about the account because we were Heirs of the property. We filed Probate, sent in all the appropriate information which they repeatedly told us the did n't receive, even told our Attorney the same several times after she sent the information to them, they added several thousands of dollars to the account in fees, and we still ca n't get any resolve, there is a class action settlement suit filed by The Consumer Financial Protection Bureau Case No. XXXX for these same actions on multiple other accounts. We filed numerous loan modifications which we never got responses to, we have tried everything that we know to do to resolve this issue with no help at all from Ocwen Loan Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.

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 2017-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Hello, I have contacted Comenity for Victoria 's Secret on Wed night at XXXX and this XXXX at XXXX to request that they cancel the application. The application was done just minutes before XXXX on Wednesday, so the request was immediate. I was misled about this card account and do not wish to have a credit account with Victoria 's Secret. The application is in process and I was given a message that they needed to review and I would receive a decision in 10 days. However, I do not wish to have this account and requested that they stop the application. They have refused. I spoke to an incredibly rude and unprofessional representative named XXXX or XXXX in the application department who was supposed to be a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Here is what happened : 1. On XX/XX/XXXX I put a XXXX XXXX XXXX XXXX Unlocked smartphone up for sale on XXXX with no returns accepted. Proof : XXXX XXXX XXXX 2. OnXX/XX/XXXX, a XXXX XXXX in California purchased the device for {$580.00} + {$12.00} shipping and she paid through PayPal. 

3. I shipped out the device within the next couple of days, and on XX/XX/XXXX the buyer confirmed that she received the device in perfect working order and that my service was perfect. However, she also requested to return the device. Proof : XXXX XXXX XXXX 4. In accordance with XXXX 's terms of service, I rightfully declined the return. 

5. The buyer ( XXXX XXXX ) proceeded to dispute the payment ( {$580.00} + {$12.00} shipping ) with her financial institution. 

6. PayPal contacted me regarding the dispute, and I sent them the proof that I have supplied you showing that the item was posted for sale with no returns accepted, and that the buyer acknowledged receiving the device. 

7. About a week or two later I got a notification that the buyer 's financial institution decided in her favor, and they reversed the charge without requiring her to contact me or ship back the phone or send me the money in another way. 

8. PayPal has now locked my account and is asking for the {$590.00} ( {$580.00} + {$12.00} shipping ) back from me, even though I do not have the phone. 

9. I have contacted XXXX and PayPal many many times since then, requesting their help, but XXXX just tells me to talk to PayPal, and PayPal just tells me to talk to XXXX or the buyer directly, and that they can not give me the name of the buyer 's financial institution. 

10. I contacted XXXX XXXX directly per PayPal 's suggestion, we had 1 discussion about this issue over the phone, she claimed she was not aware that the dispute was decided in her favor, and said she would have to catch up on email and get back to me. 

11. Since our first contact over the phone, XXXX XXXX has blocked my phone number it seems and is not replying to my emails. 

12. It appears she is trying to commit fraud and scam me out of the phone that I sold her and the money. PayPal and XXXX have done nothing to help in the situation and are completely denying any responsibility to aide in resolving the manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ Trans Union . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

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 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 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: FL

Complaint narrative:
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

Company response to consumer: Closed with explanation