vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a XXXX EUR ( {$70.00} ) prepaid online reservation at XXXX on XX/XX/2018 for a 7-day car rental with my XXXX credit card from J. P. Morgan Chase Bank. 

Upon return of the car on XX/XX/2018, XXXX issued a Final E-Bill in the amount of XXXX EUR ( {$12.00} ), which I signed, to settle all the pending charges related to this car rental. 

11 days later, on XX/XX/2018, I noticed a XXXX EUR XXXX {$200.00} XXXX charge on my credit card from XXXX. As the Final E-Bill was in the amount of XXXX EUR XXXX {$12.00} ), I was overcharged {$190.00} ( XXXX EUR ). 

I had to dispute this overcharge ( {$190.00} ) several times with J. P. Morgan Chase Bank, but eventually, I received a letter dated XX/XX/2018 from J. P. Morgan Chase Bank ( please refer to the attachment ) advising me that my dispute had been resolved and a permanent credit in the amount of {$190.00} had been issued and would remain in my account. 

However, several days later, I received a misleading letter from J. P. Morgan Chase Bank requesting me for documentation regarding this dispute, which I thought was a mistake / mixed correspondence as this dispute had already been closed. 

I called on XX/XX/2018 at XXXX to J. P. Morgan Chase Bank and explained the situation to the Chase representative ; he advised me to send a fax to Chase attaching the letter I had received dated XX/XX/2018 stating the dispute had been resolved and a permanent credit issued in the amount of {$190.00}. Chase could confirm this call as it must have been recorded. 

I then sent a letter as advised by fax on XX/XX/XXXX at XXXX to the XXXX. Find attached a copy of this fax as well. 

However, on XX/XX/XXXX, I noticed J. P. Morgan Chase Bank had rebilled me {$190.00} so called in and the agent and supervisor was unable to find the letter dated XX/XX/XXXX with a permanent credit for {$190.00} and the faxed documentation on XX/XX/2018. 

I then sent a secure message to Chase on XX/XX/2018, complaining about this and requesting them to honor the {$190.00} previously notified and issued permanent credit. 

I find all of this unacceptable. I received a written notification from J. P. Morgan Chase Bank dated XX/XX/2018 in my mail that my dispute had been resolved and a {$190.00} permanent credit had been issued and would remain in my account. 

Therefore, I request J. P. Morgan Chase to follow through their previous letter / notification, and reapply the {$190.00} permanent credit in my account. 

I find any other response unacceptable. This dispute was resolved and settled per the letter issued by J. P. Morgan Chase Bank on XX/XX/2018. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 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: FL

Complaint narrative:
On XX/XX/XXXX my credit score with Equifax was XXXX and today it is XXXX. On XX/XX/XXXX it dramatically dropped to XXXX and since it has dropped all the way to XXXX. I have not had any negative remarks added to my credit file during this time. I do not owe anyone any monies since this date or even before. I do not have a clue what they are doing but it seems like their business model and whatever they use for a standard is not being compliant nor it is even consistent with the two other major reporting companies. I find this odd as I have never in my life ever had a loan of any kind, nor have I ever opened any type of credit. There is no reason for my credit score to drop like this, if anything it should have gone up. I have contatced them and they will not give me any explanation as to why this is happening. It is bad enough that these services are used to prey on people and in all reality are not even close to judging a persons characher period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In XX/XX/2018 cardholder sought lodging in XXXX area for work. 
XXXX XXXX, XXXX XXXX, XXXX, broadcasted special daily room rate via the company 's web site. Buyer data entered including account number XXXX. In returning confirmation details, XXXX changed the terms of the sale ; its per diem room rate became variable. The advertised daily room rate was fixed, " x dollars per night. '' The vendor was telephoned and asked to cancel because my employer would not accept variable rate terms. Vendor indicated supervisor was notified with 3 other offers in lieu of total cancellation. After discussion ran its course for a resolution, deduction was same, hotel company unwilling to charge fixed rate. The resulting claim came as a surprise.

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 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I unfortunately have a home mortgage with Wells Fargo. My total mortgage payment including escrow is approximately {$2300.00}. Prior to sending the payment due on XX/XX/2018 I contacted Wells Fargo and advised them that I would be sending in additional money with the mortgage payment. I instructed Wells Fargo to apply all of this additional money ( approximately {$30000.00} ) to the principal portion of the mortgage. I was assured by Wells Fargo that the additional money would only be applied to the principal and my account was noted by the representative reflecting this. I was in fact told by Wells Fargo that additional money can only be applied to principal. I submitted the XX/XX/XXXX payment as explained and weeks later received my statement in the mail. I found that some of the additional money sent in was not applied to principal but was instead applied to future payments. Ive experienced this issue before with Wells Fargo and that is why I contacted them before sending in the XXXX payment. Wells Fargo has many excuses why again the additional money was not applied to the principal. I was told there were coding issues with the account. I was told that Wells Fargo likes to apply a future payment of at least one month from any additional money sent in. I was told that Wells Fargo has problems processing online payments. Ultimately Wells Fargo in my opinion is committing a deceptive business practice by applying the additional money to anyplace other than the principal. Especially since I notified them before sending in the payment and which they acknowledged. In my case Wells Fargo benefits directly in terms of not applying the additional funds to principal and I as the consumer lose by getting to pay Wells Fargo additional interest. I contacted the Executive Relations Department at Wells Fargo and the XXXX payment was eventually reversed and applied correctly. I believe Wells Fargo should be investigated or at the very least should be compelled to issue a formal response as to why this happened. Again, this has happened before when I sent in additional funds and I had to fight Wells Fargo to have the money applied correctly. I would like a formal response from Wells Fargo myself. 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 2018-09-10 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: AL

Complaint narrative:
I have several inquiries from mortgage companies on my credit report with TransUnion each one on there i did not authorize today XX/XX/18 i tried contacting TransUnion to dispute this and let them know i didnt authorize these and they basically told me they couldnt help me and to contact the companies when i said i did already i was told to contact them again, they were no help and very rude talking over me etc and will not transfer me to the fraud department.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In 2015 I lived in XXXX, Ga XXXX I was renting from XXXX XXXX XXXX. I explained to the office that I was being harassed by my ex and I wanted to break my lease to relocate. At the time I owed rent and they started a dispose s process I went to court and we decided with an arbitrator that they will take my security despoit if XXXX as the debt paid. At the same time the company was acquired by XXXX XXXX  which now I get not get any information from XXXX XXXX because that company it s dissolved I am now paying for this on my rental history and can not move forward in life because the company has closed. And XXXX XXXX has no accurate information. I have a XXXX year old with limited funds to hire an attorney for this I do not know where else to turn.

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 2018-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.

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 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
We have submitted 2 loss mitagation hardship packets to Freedom Mortgage. Both packets were rejected, due to missing documents. We have submitted the documents that were advised were missing in the initial submission, both times, and also resubmitted the documents a second time and was still rejected due to these documents not be received/processed or even lost by the mortgage company. The first loss mitigation packet was submitted in XX/XX/XXXX, and the reported missing documents were sent within a week of receiving the letter on XX/XX/2018. And with the 2nd packet submitted, we received a letter on XX/XX/2018 that also said there were missing documents. We submitted these again by the XX/XX/XXXX. I also spoke to a XXXX on XX/XX/18 and she said the documents were received and submitted for processing. I believe that the mortgage company is not accepting my wifes paycheck stubs on both occasions. We have made several attempts and phone calls to Freedom Mortgage and they have continued to reject our loss mitigation application.

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 2018-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( Equifax, XXXX and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but Equifax and XXXX  has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileEquifax and XXXX has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws. Kindest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: ERC
State: GA

Complaint narrative:
I called this company and asked to have something taken off my credit report that i paid in XXXX. I asked the gentleman how long would it be on my report and he said their practice is to never take it off I said but sir most companies I have talked to say it is at their transgression to where it comes off in the present or 7 years. I don't understand the purpose to just out right ruin someone's credit if they have paid you in full. The company I was talking to was ERC DEBT COLLECTION. They collected payment for an account I had with XXXX XXXX XXXX. It was placed on my credit report XXXX I paid the full amount {$250.00} in 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 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX SOUTH DAKOTA N. was placed on my credit report XX/XX/2018 Erroneous reporting, violation of FCRA, FDCPA and failure to validate account before reporting to credit bureaus. This is a violation of my rights under the FCRA, and the violation of their requirements under the FDCPA because they still are reporting this account WITHOUT validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: GA

Complaint narrative:
I received a phone call to my job stating that I was being sued for a debt from 2007 from XXXX XXXX  XXXX. I was told I needed to make a payment to avoid being sued. Debt collector would not provide a copy of the debt. I was called by XXXX. I was sent information to my email from a company called XXXX. I have been receiving repeated phone calls about the debt to the point where I had to tell the agent not to call my job again.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
They called my work phone 23 times on XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: CORELOGIC INC
State: FL

Complaint narrative:
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : CREDCO  XXXX XXXX XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )

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 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: URS Holding, LLC
State: TX

Complaint narrative:
Debt was settled XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX CONTACT was XXXX XXXX for Fleet Card Services Card this debt was back from XX/XX/XXXX 14years

Company response to consumer: Closed with explanation