vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Old information on credit report needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Old information on credit report needs to be removed.

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 2020-04-18 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: MI

Complaint narrative:
Old information on credit report needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: NY

Complaint narrative:
Experience is in violation for reporting, misleading, inaccurate, unverifiable information my current credit report. A violation of FCRA rules section 1681. 

Please see attachment ; Account : XXXX XXXX  ; investigation can not verify account, a violation of FCRA 1681

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 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex sent me an email asking me to cut up my credit cards this morning. I pay an annual fee on the green card with the implied expectation that services then be provided for a full year. Unexpected termination of my account while I am trying to study for my XXXX XXXX finals at University is just plain annoying. I have no problem paying off the balance and have never missed a payment or made a late payment. 
Following reading the email I immediately opened the app and started a chat with a representative who directed me to a phone line. After being on hold for a significant amount of time the phone was answered by someone who spoke XXXX well but immediately told me he was going to connect me to another person. After more time on hold the phone was answered by a women with an extremely thick accent who was asking for my card number XXXX the one that I cut up per the email ). When I was unable to provide that she asked for my social security number. As I had received the number in the chat and been transferred I asked for an extension I could call her back at to verify her as a legitimate representative. She was unable to provide one so I terminated the call. I then proceeded to utilize the Amex chat in the app voicing my displeasure at the waste of time this whole ordeal was and asking for help. The representative refered me to use the chat on the online portal instead of the app as the office I needed to speak with was closed and " they might be more help XXXX online ]. '' I then typed up a paragraph explaining that I was unwilling to spend any more time on hold and that it was amexs responsibility to internally find the right person to talk to me and to have them call me if they wanted to have the remotest possiblity of future buisness with me. The representative gave different hours for when the office was open. As of writing I have not received a response so am concluding Amex dumped me as a customer on grounds all XXXX of the representatives I spoke with conveniently were unable to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Bureaus, Inc.
State: CT

Complaint narrative:
I have a debt reporting from the burraus in the amount of XXXX. This debt is from 2011 and is still reporting. I am requesting for removal from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX  closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, I did not receive refund, I did not recieve any services that I had paid for. After two failed attempts to dispute with my bank i am frustrated. This is a completely accurate dispute and is very cut and dry and they have offered no assistance

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 2020-04-18 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: LoanCare, LLC
State: MA

Complaint narrative:
Hi, I noticed a drop of my credit score by XX/XX/11 due to a report from ( loan care service ) that I'm late 30 days on my mortgage payment, I tried contacting them during early XXXX XXXX XXXX payment ) but due to the high call volume I could not get through, decided to send a request on there web site which I did ( twice ) during XXXX, I did not get any response and still no one contacted me, finally i got through by calling and did all arrangement for mortgage deferment, but they could not help to correct my credit score. 
so I'm writing asking your help in such tough time, I'm not working as many in the middle of that pandemic and I did contact them using there web site as it was the only option, I need my score to be corrected so i could get through that time applying for SBA OR LINE of credit to get my business and employee back. 
really appreciate your help, XXXX XXXX XXXX ra

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 2020-04-18 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: TX

Complaint narrative:
I am impacted by the coronavirus because I XXXX  for XXXX and XXXX I have underline health issues and ca n't XXXX   till this is over with, so I called XXXX XXXX and XXXX XXXX to let them know both companies said that they would not report as being late on my credit report and XXXX XXXX I got an extension for two months. When I dispute the late payments with the credit bureaus it only takes them three days they come back and say that it's been updated but it's still showing late. This is coming from the Credit Bureaus. And this is XXXX Experian, 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 2020-04-18 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: Bread Financial Holdings, Inc.

Complaint narrative:
Hi I applied for a Forever 21 card while on holidays in Hawaii. I made a payment of the balance and the check from my bank was not received resulting in a {$5.00} late charge and a fee. I provided copies to the credit card company of my payment. After calls, I was assured ALL fees and charges would be reversed. I paid the online payment that day through their online portal. Subsequently another {$5.00} charge was issued. Since I was told ALL charges would be reversed I did not even check the statement expecting no balamce. Then I looked a couple of minths later at me estatement and saw a balance. I called and they reciewed and even though I was told ALL charges would be removed, the call got disconnected and when I called back the new woman stated an amount including the {$5.00} which I did not catch. They are arguing that I should have paid an extra {$5.00} ( even though I was told ALL charges would be reversed and this second {$5.00} was not even on my account at the time THEY are WRONG! I want thos {$5.00} fee late payment removed from my account and to know what options I have to further complain about them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Best Buy and a Home  Depot Card through Citi Bank. Unfortunately on XX/XX/XXXX I was XXXX  with the XXXX. Since then I have struggled with my health and been XXXX  XXXX. I am also a XXXX XXXX XXXX who had to shut down and has been out of work since XXXX as well. I received tons of calls within 2 days after my first EVER missed payment and I told them I had XXXX and to please stop calling 5-10 times a day about the payment because I was deathly ill and couldn't make it right then but will once all this is over and I am able as I have NEVER missed a payment. They offered no assistance and were very rude and shut my card use off completely. IN A TIME OF CRISIS THEY SHUT MY CARDS OFF BECAUSE I WAS LATE ON MY PAYMENT FOR THE FIRST TIME IN ALL THE YEARS IVE HAD THESE CARDS WITH THEM. Since then they have reported to my credit bureaus that I am past due badly damaging my credit rating and also added late fees for XXXX and XXXX now and interest charges as well. I applied on their website for assistance and they denied me. I am appaled this is how they treat their consumers during a global pandemic. Especially one with accounts in good standing until this happened. This is absolutely unacceptable and they need to make this right.

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 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello, I used to have a XXXX XXXX XXXX XXXX credit card with Chase from XX/XX/XXXX until XX/XX/XXXX, when account was closed. I no longer have neither credit card nor any statements, but do have numerous emails from Chase regarding this account and many receipts, including few with the full credit card number. 

Recently the XXXX XXXX XXXX Customer Service sent me a refund to that account, which was processed successfully on XX/XX/XXXX. When I contacted the bank, they said I never had any XXXX XXXX XXXX credit card with them. When I gave them the full card number, they said the number is invalid. I contacted the Customer Service, Fraud Department, XXXX XXXX ( XXXX XXXX XXXX multiple times, to no avail. Also sent several faxes to the Fraud Department fax number with all relevant information. 

Also unable to log to Chase website at this time ; getting message " your account was locked due to unusual activity ''. 

This all is highly unusual, and I'm suspecting some sort of fraudulent activity or identity theft. How is it possible that the bank no longer has my account information just six months after its closure? Not to mention that I still need to get the refund. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
in XX/XX/2019 we refinanced our home with XXXX XXXX XXXX. We were behind in our car and home payments along with other creditors due to the XXXX status of my husband. We expressed our concern with the loan officier of the urgent need to get this done, so we did not loose our home or car or have other damaging effects on our credit. We signed the closing documents at he the lawyers office on XX/XX/2019. The payments went out to all of our creditors. The lawyer sent XXXX the payment for our mortgage and the home equity payment. However the loan officer was neglectful in sending out the payment to our other creditors. The checks were sent out thought regular mail, non registered. Several of the payments were late to our creditors including the payoff for our car. This check was lost in the U.S. mail. The payment to Wells Fargo was never received. On XX/XX/2019they repo 'd our car. It took several phone calls to Wells Fargo who talked to the bank and the bank now XXXX XXXX  to release our car. We have tried a number of times to resolve this matter with Well Fargo to remove this repo from our credit report. They are not willing to do so because they say the repo was performed legally. It was the fault of the XXXX XXXX in XXXX, Massachusetts, because they did not send the checks out through registered mail and they were lost. We now want to refinance our home with another bank due to the loss of confidence we have in them. They have not assisted us in any way and have damaged our credit to the point we can't even get a simple credit card.

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 2020-04-18 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: TX

Complaint narrative:
ftc violations filed with XXXX  and sending you this to finish my report on all 3 company

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 2020-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My account with Capital One has been paid before my first complaint was issued XX/XX/2020 The account XXXX is still showing a balance on my credit report and this account is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX : USAA Federal Savings Bank XXXX son and I share a checking account through USAA on XX/XX/2020, this account was hacked : fake mobile deposits ( around {$3000.00} total ) were made immediately followed by several money order purchases. The account had little money so these purchases were over-drafted through my savings account, emptying that XXXX about {$3000.00} XXXX. USAA was immediately notified and supposedly started an investigation. I was told the account was put into " credit only '' status. 

Meanwhile, the hackers hit again on XX/XX/2020. There were no more funds in either account, so it was treated as a negative balance in the checking account and there is still a negative balance today. 

On XX/XX/XXXX, I received an email from USAA notifying me the investigation had determined there was no fraudulent activity and closed the case. 

At this point, I am out {$3000.00}, there is still a negative balance on the checking account XXXX about {$500.00} XXXX and my repeated requests for documentation supporting USAA 's decision have been ignored. XXXX XXXX initial request was near the end on 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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
Payment late do to a natural disaster of coronavirus virus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
With Corona virus I deferred my payments for three month..they are charging me XXXX $ a day ... that's is over a car payment how is that helping through this time ....?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: NY

Complaint narrative:
The name on my Equifax credit report is incorrect. 

I submitted a dispute on XX/XX/2020 for the incorrect name and incorrect addresses. The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. 

I submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected. 

I contacted Equifax by phone on XX/XX/2020 and was told by " XXXX '' ( I think, his accent made him very difficult to understand ) that I needed to provide supporting documentation. I explained that I had included my license. He said to create a new dispute with a cover letter including contact information, image of my license, and image of a document showing my Social Security number. He confirmed that a XXXX was acceptable. I submitted the new dispute on that day. There was a cover letter stating the issue and including my contact information ( address and phone ), a picture of my license, and a copy of a XXXX that showed my XXXX. 

The name on my report was still not corrected. I submitted another dispute of the name on XX/XX/2020, again including an image of my license and XXXX. The name has still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Payment late do to a natural disaster of coronavirus virus.

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 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have never receive any form of communication or notice of debt from this debt collector. I only realize after pulling a full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collins Asset Group, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has started calling again every since the stimulus checks are coming out. I have told them I will not pay for a vehicle that was totaled in XXXX and the original creditor got the insurance money. Now they brought the loan form XXXX XXXX XXXX of Indiana and XXXX and trying to collect the remaining amount. I'm on social security and not paying for it. They both the XXXX original creditor and XXXX XXXX have charge it off as a bad debit. XXXX XXXX XXXX is trying to silver line it's pockets. This started back in XXXX and then it was quiet now starting again since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief