vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees  applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.

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 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
What happened? 
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from XXXX XXXX XXXX. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. XXXX XXXX XXXX got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say XXXX XXXX XXXX has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/2016 i purchased a guitar and amp from guitar center using XXXX XXXX using an 18 month promo. one year later i purchased another guitar. for a 6 month promo. i never was late or missed a payment. i spoke to them when i was charged XXXX in interest. they said they deferred the payments all on the second purchase. so they charged me interest on the first one two. i had already paid interest on the first one so they charged me twice for interest. isnt this illegal to pay interest twice. they said there was nothing i could do. so on a used guitar that cost XXXX i got charged XXXX interest. and they were sorry. this company is so shady, greedy, and has such unethical business practices they need to be stopped. how can a company charge you interest twice. my XXXX yr. old son is so upset because he knows i already struggle financially on XXXX. he feels its his fault. i told him not all banks operate illigally. check out their practices you will be shocked at what they do to people.

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 2018-07-04 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: CA

Complaint narrative:
I am a victim of ID theft/fraud and USPS fraudulent change of address. I contacted all 3 credit reporting agencies and put freezes on my credit files. I live in California and disputed an incorrect former address ( located in Georgia ) on my Equifax credit file. I sent Equifax copies of a Police report, FTC ID theft report, my current address, copy of utility bill, and copy of my XXXX. I sent a cover letter expressing that the address in Georgia had never been my address and to remove it from my credit file as a former address. I explained that the address in Georgia was used to fraudulently open up a credit card in XX/XX/2017 in my name. I discovered in XX/XX/2017 that someone opened up a XXXX credit card in my name only when I started to receive collection phone calls from XXXX. I contacted XXXX fraud department and they determined that it was fraud and closed down the account XX/XX/2017. Equifax investigated the dispute and concluded that the Georgia address since XX/XX/2017 had been previously verified by documents from me and determined that the identification will not be deleted from my file. This is so frustrating! I believe that Equifax is responsible for breaching my credit information in the first place and now will not correct my credit file? Nuts!! Please let me know what I am able to do to correct the problem. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I notified Equifax that the address that they are reporting on my credit file does not belong to me. They opened a dispute and said it could take up to 30 days. Well i got an email on XX/XX/18 that the dispute was complete. However the address still show on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 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: Ditech Financial LLC
State: CA

Complaint narrative:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and XXXX. DITECH ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: CA

Complaint narrative:
Hi, I have had my Chase Sapphire Preferred Card for a little over two years. I recently got a letter in the mail saying that they are closing my account because another one of my Chase accounts has been closed. I have no other Chase account, where I am either the primary account holder or an additional member. I solely have this one card. I have reached out to them, but they will offer me no explanation other than that I have had another account closed. Please tell me what I can do to fix this. All I want is my credit card back. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to Equifax and XXXX. XXXX ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and Experian. XXXX ref # 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 2018-07-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a hard inquiry in my account from XXXX and I am not aware what this is from. This provide has no contact information reported.

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 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: NC

Complaint narrative:
never received any late noticed or phone callor email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with XXXX and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for XXXX to delete this account please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had checking and credit accounts with Bank of America for many years. I have been residing in the US for many years as well. My national origin is XXXX. In XX/XX/XXXX, Bank of America started to send me letters asking me to provide proof of my residency. The letters have specific dates before which I had to provide the required documents ; otherwise, all my Bank of America accounts would be restricted as explained in the letters. The letters state that the bank has " certain rules '' if it is " operating accounts for individuals who are citizens of US-sanctioned countries. '' I responded to previous letters and provided proof my residency in the US. The most recent letter was on XX/XX/XXXX ( see attachment ). I believe Bank of America is discriminating against me based on my national origin. Because Bank of America is discriminating against me based on my national origin, the bank has been unduly asking me to provide proof of my residency ; otherwise, the bank threatens to restrict my accounts. I have been continually residing in the US since XX/XX/XXXX ( well before I received any letters from Bank of America requiring proof of my residency ).

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 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018, I was visiting family in XXXX XXXX XXXX and went to a Chase ATM at XXXX XXXX, XXXX XXXX, NY XXXX. I was accompanied by my boyfriend and cousin. I attempted to deposit {$680.00} in cash at the ATM, but was given an error response and told to contact Chase immediately to resolve the issue. I called the number provided and spoke to a customer claim representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a " temporary credit '' while Chase investigated my claim. 

I received a letter from Chase on XX/XX/2018 that my claim was denied and the " temporary credit '' will be reversed. I called the Claim department at Chase to understand why my claim has been denied and how I can get my {$680.00} back. That money is an entire month 's worth of rent for me. The representative was unhelpful and informed me that the Claim department 's investigation allegedly showed that the ATM didn't have the money that I deposited. I asked about any steps I could take to resolve the issue or appeal the decision, but the representative was not forthcoming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting  {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
On XX/XX/2018 I contacted Stenger and Stenger and made a payment arrangement for $ XXXX   monthly starting in XX/XX/2018. I called back on XX/XX/2018 to verify the date I was to pay. I was told that the arrangement had been canceled because they are going to send me a summons. Rep was happy to make another payment arrangement but not for the previously agreed upon terms and if I did not make an arrangement they would continue to pursue a legal route. I feel this is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with Transunion and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for Transunion to delete this account please.

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 2018-07-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.

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 2018-07-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$650.00}. This debt is not mine. Removed once and then back on my credit. We lived with room mates, so I have disputed this and asked for proof. No proof given, just credit reporting agency saying it was. Not fair at all.

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