vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have a chase auto loan on XX/XX/XXXX i totaled the vehicle. My insurance company XXXX XXXX sent a partial pay off of XXXX on or about XX/XX/XXXX via XXXX tracking chase did not post payment to my account till about XX/XX/XXXX. this left me a balance of about XXXX I called them about XX/XX/XXXX they stated that they had to start the process of my gap coverage. I have gap insurance this became a long process because every time I called chase they claimed they were missing info needed to complete the gap claim. Finally the gap insurance claim was completed and the company sent them a check on XX/XX/XXXX. Again chase took a very long time to process this payoff of XXXX this did not post to my account till XX/XX/XXXX. I spoke with chase on XX/XX/XXXX now they claimed they needed a explanation of how the claim was paid and they were going to request it from my gap provider and this would close out my account and they would send me out a final statement if i owed any balance because once the payoffs were applied they accrued interest would have to be taken off I called to check the status on XX/XX/XXXX they are giving me the run around and are saying that the person on XX/XX/XXXX never ordered the gap claim explanation. they have continued to post late payments on my credit report and wont close my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I made a payment in the amount of {$410.00} on XX/XX/XXXX. When I logged onto my account it stated XXXX was due. I recieved a letter in the mail from Citizens One stating I owed {$660.00}. I called customer service three times on XX/XX/XXXX at XXXX, XXXX, and XXXX. I explained that a payment was made and why did I receive a letter. I was told the payment was received and that I owed XXXX. XXXX. The last phone call I asked to speak to a manager.  She claimed that I only owed XXXX. When I asked her why when i just paid XXXX XXXX and why now do I owe XXXX due by XX/XX/XXXX? The manager then says I owe XXXX by XX/XX/XXXX. I explained to the manager that the numbers were not adding up. She agreed and put me on hold. I was on hold for 26 minutes. I could not hold any longer due to being on my lunch break and had to get back to work. I've yet to receive a call back explaining current charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I've reported that this company is using a false " opened date ''. They are not allowed to use the date that they purchased the delinquent account, as per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX I received a phone call from my husband threatening me, and letting me know he was gon na destroy me, hours after, all my devices were hacked, my passwords were changed and my private information was deleted, I called the police several times but as today Im still being hacked, I lost my job And I have no incomes to pay the credit cards, I called the phones companies ( XXXX , XXXX XXXX, XXXX  ) in order to get some kind of help, but unfortunately I didnt get it. I have called the different companies to let them now about my situation, but the option that they provide are no really helpful according with my situation. They keep charging fees and interests, plus I still dont have access to my personal account, and every time I try to create a new one is been hacked again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: FL

Complaint narrative:
Transunion are in violation of act s 611 5 b of the fcra I have 5 inquiries on my report that is not suppose to be there XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX these are not suppose to be on my credit report as I only have a XXXX XXXX and I have no hard inquiries on my other credit reports from credit bureaus but my XXXX XXXX transunion customer service would not help and take care of the negative inquiries reporting to 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 explanation
Consumer complaint received 2019-03-15 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I opened a car loan with Santander Consumer USA in XX/XX/XXXX and was voluntarily repossessed in XX/XX/XXXX, since then they have charged off the account but is still adding interest and fees to the account as well as reporting and updating my Credit Bureau each month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Due to the fact that we moved our residence, I did not receive my XXXX credit card bill where I made an unusual charge on XXXX XXXX for {$110.00}. When the XXXX statement arrived at the new address, I had forgotten about making the charge, so I didn't tell my husband ( he does the bill paying for the household ) and he never opened the bill, mistakenly assuming it was zero balance as it had been for many months. When the XX/XX/2019 bill arrived, my husband did open that and discovered the balance owed ( which now included two {$38.00} late fees plus interest ) and immediately paid the balance of {$180.00} on XX/XX/2019 via phone pay. The next day, we received a very curt letter in the mail from B of A dated XX/XX/2019 informing that my credit line had been reduced from {$16000.00} to {$500.00} due, in part, to current or past delinquency. WOW, such drastic action to take over a small missed payment. I have maintained an excellent credit rating with no other late payments with B of A or anyone else. I had this particular account for many years with no problems. Yet, because of one small mistake my credit line is decimated, {$76.00} of fees are taken on a {$110.00} balance, and now my credit standing is damaged. 
I wrote a letter to B of A explaining this very honest mistake that was made by a very good credit consumer and asked for one of the fees to be refunded and the delinquency to be rescinded from my credit report. I thought this was a very reasonable request. Instead, I received another curt response from B of A dated XX/XX/2019 stating that their information is accurate and they will not do anything. 
I am disgusted at the total lack of understanding or consideration of a very obvious mistake that happened for the most part due to our change of address, and that I am NOT a credit problem. The amount involved is miniscule, yet that damage my credit and charge me a penalty that is approx 75 % of the original owed amount. The kicker is that when we received our XXXX statement, there was yet another " minimum interest '' charge of {$1.00} added, even though we had paid the XXXX statement balance in full and on time ( as noted previously XXXX. Is this {$1.00} charge even legal?? 
I am asking for the adjustment of my account to include a refund of late fees & interest charged, a reinstatement of my credit line, and most importantly ; removal of my delinquency status from the applicable credit bureaus. I HAVE BEEN HARMED BY THIS FAR MORE THAN I DESERVE TO BE GIVEN MY HISTORY AND THE CIRCUMSTANCES. 
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 2019-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
This collection agency claims that I owe them for services provided by XXXX XXXX in the amount of {$160.00}. No proof was given that these services were mine. The agency added this collection to all three credit bureaus TWICE. Once on XX/XX/2018 and again on XX/XX/2018, which has had a severely negative effect on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
XXXX has attached a debt that is not valid to credit reporting agencies. I had a payment arrangement with XXXX services for all medical related services and all payments were made directly with XXXX. I did not even know XXXX had placed anything on my credit files until I checked my free annual reports! I called XXXX and they verified that no accounts were ever sent to XXXX. No information was ever received from XXXX as well ( which would be expected since I had nothing to do with them ). On my credit report they have since listed the " debt '' as paid but through a court trustee- I have a BK that will be 10 yrs old in a few months so this is highly illegal to attach any debt they are claiming was from a BK.

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 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
XXXX XXXX claimed that I owed them {$180.00} due to clerical errors on their part, even though I paid them in full in XX/XX/XXXX. In XX/XX/XXXX, they erroneously gave me a {$80.00} refund on a XXXX XXXX. I called them to report this error, and they removed the balance from this card. A month later, I got another statement from XXXX claiming I owed them {$180.00} for XX/XX/XXXX, even though all statements after XX/XX/XXXX showed no balance. The attached statements tell the story of this {$180.00} charge mysteriously appearing in XX/XX/XXXX, after a mystery {$80.00} credit was issued in XX/XX/XXXX. Note that I closed my account in XX/XX/XXXX. 

My account was sent to collections with Credit Protection Association, where I was continually harassed via phone calls. I got sick of the harassment, so I paid the {$180.00} just so they would stop. However, I was not aware that a fraudulent entry would stay on my credit reports. 

During this entire time, I spent countless hours talking with CPA & XXXX, explaining what was going on, and disputing this amount owed. Neither company attempted to investigate this error.

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 2019-03-15 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: TX

Complaint narrative:
MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: MN

Complaint narrative:
Hello, I have a Macy 's XXXX XXXX credit card. Please find the sequence of events below : XX/XX/XXXX : Used the credit card to purchase a product online from XXXX and have it shipped internationally. 

XX/XX/XXXX : The product was never delivered. I had opened a dispute. Received a document online from XXXX XXXX detailing that the dispute is being looked into. 

XX/XX/XXXX : Received a refund to my checking account. However, I was again charged the same amount on the credit card, effectively nullifying the refund. 

XX/XX/XXXX : I called XXXX XXXX credit card again and explained the issue, they noted this down on my case. 

XX/XX/XXXX : I had not received any updates. Called XXXX XXXX credit card again. Another case was opened. 

XX/XX/XXXX : The case was marked as resolved by citing " Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. ''

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 2019-03-15 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: AZ

Complaint narrative:
XXXX XX/XX/2019 I locked the card and announced that further charges are unauthorized. I called several times and contacted via web chat. I even cancelled one card and gotten a new one. I am still getting recurrent charged that I have announced as unauthorized. For now its up to XXXX dollars of those charges made after XXXX XXXX. The credit card company does nothing but sending me bills on the card I dont use. I told them that as soon as I am done paying I am closing an account. So now they keep posting recurrent charges as approved while they are not approved nor authorized, because I am telling that! 
I am tired dealing with this company ( Citibank ) and I want to resolve unauthorized charges and to close this account. Thanx

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 2019-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent ftc violation and police report and still has not removed all items

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 2019-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent ftc violation and police report and still has not removed all items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent ftc violation and police report and still has not removed all items

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 2019-03-15 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: PA

Complaint narrative:
These are a list of fraudulent accounts and inquires per bureau XXXX XXXX XXXX   enforcement {$350.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  Inquiry XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$940.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX  XXXX   {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. Equifax, XXXX and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate general counsel - ( EQUIFAX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX  ) XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX   vice president and division gen counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I make my student loan payment every month for {$64.00} which is based on my income, however, after making my payment on the XXXX, Navient is adding on interest of $ XXXX  monthly which is hurting my credit and not helping bring my balance down. I contacted them and they stated my daily interest is {$38.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Returned items purchased from XXXX are showing as Refunded in both my XXXX and Paypal accounts however these charges are not being credited from my Paypal account balance. Subsequent statements show that refunded items still shows up in the balance that I still owe. As a result I still have to pay for items by the expiration date even though these items have already been returned, the same issue I'm having with XXXX and Synchrony Bank ( case #  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 2019-03-15 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 — Was not notified of investigation status or results
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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: CITIBANK, N.A.
State: MI

Complaint narrative:
This morning I attempted to pay my bill and I could not pay through the app due to " technical issues. '' I have complained about the unreliability of this app and their response has been, " I'm sorry, here 's the phone number of our black hole call center full of wait times and accents you can't understand, good luck! '' I want a federal investigation into the reliability of the Citi mobile app.

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