vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: KY

Complaint narrative:
in XXXX of 2019 i went to a XXXX XXXX XXXX i was told it were no cost to me. when i got there i got word that my father was very ill of course i left the school before doing so i was told that I would have to find my own way home and all my other fees would be waived due to the timing of my departure according to the contract i have sent multiple request for validation of the debt would show this information however the company has failed to or refused to reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any results

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX through XXXX XXXX XXXX, and received the first billing documents dated XX/XX/XXXX. The billing documents stated XXXX XXXX XXXX are licensed to JPMorgan Chase Bank, N.A. ( " Chase '' ). 
Approximately XX/XX/XXXX, I went online to sign up for auto withdrawal for my monthly payments. I do not have any account with Chase, so it was determined an " external account ''. The last step in the process, I was asked for my username and password for my personal bank account so it could be verified. I responded I would not give this information out, so I was then requested to give Chase permission to " deposit and then withdraw a " small amount '' " to this account. I have NEVER been asked for my username and password to a personal bank account to set up a direct withdrawal for monthly payments, and should NEVER be asked this. Chase had the statement listed - no one will have access to this information, but we all know how well cyber security works. 
If this request is not illegal, it should be. I was not given the second option until I checked I would not give out this information, which would lead many customers to feel they have to give out their personal username and password to complete the set up of the auto withdrawal. No company should request or need to have this sensitive, private information be part of setting up an auto withdrawal, or any other type of withdrawal from an external account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: OH

Complaint narrative:
This has already been removed from my credit report and the company resubmitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After discussing with a customer service rep via their chat service the waiver of a late fee and interest for a balance due on my XX/XX/XXXX statement I made a payment that I was under the impression would bring the account to a XXXX  balance. The next month I received a statement showing a remaining balance of {$10.00}. I believe this was due to a credit not reflecting on the statement before it had printed based on my conversation with the representative in XXXX. In XXXX I received a new statement showing a new late fee and interest on the {$10.00} balance from the previous month. I paid the previous balance due, though I did not believe that amount to be correct, and tried several times to chat with the company in XXXX but ran into technical issues on their end that was preventing our connection. When I connected on XX/XX/XXXX via chat to discuss the now 2 late fees and interest charges that had occurred I was advised that even though the conversation I had with the representative back in XXXX led me to believe I would have a XXXX balance on the account, they would only waive 1 set of additional {$10.00} charges, leaving me to owe {$22.00} currently for fees and interest I thought was being credited back in XXXX and they are making money off of stacking fees when no new transactions have occurred since the XX/XX/XXXX statement. There was also no mention of the {$10.00} payment I made on XX/XX/XXXX, and how that is credited towards this supposed balance due. 

Their chat service does not offer to send a copy of the transcript for a customer 's records, so I have no documentation to refer to from the original chat for the company to see where the miscommunication occurred or to counsel the representative that I worked with in XXXX or this most recent conservation in XXXX. It seems this is an easy way for them to nickle and dime their customers who probably have small balances and/or pay them off in full because of being a store credit card that most people most likely only charge at on an occasional basis, and they might not make as much money in interest on this store. I could've easily paid off {$10.00} on time had I thought I needed to, and now the balance increased to 3x that amount with no new purchases.

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 monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
i opened a new card with a {$300.00} limit on XX/XX/XXXX inside the store. I made a purchase that day for {$99.00}. Once I received the card in the mail, I set up my account online and paid the entire balance of {$99.00} off on their site. I made this payment by checking account on XXXX and it posted XXXX. I paid it off because i'm trying to avoid interest and annual fees. I made another purchase on XXXX for {$120.00} and paid the balance in full on XXXX. On XXXX i went into the store and made a return for {$40.00} and tried to make another purchase for {$110.00} and my card was declined. On the site, it shows my available credit to be {$200.00}. The clerk in the store also pulled up my account and showed available credit of {$200.00}. She called their service desk, the guy asked to speak to me on the phone. I was told that i could not use my card whenever there is a payment pending, and it could take XXXX business days before a payment fully clears. So, anytime i make a payment, it could be as small as {$5.00}, they will block my whole card until the payment clears, no matter how much available credit i have. I called customer service today, XX/XX/XXXX. I spoke to XXXX and then escalated to XXXX, XXXX ID XXXX, located in XXXX  XXXX. They told me the same thing. Anytime i make a payment, they will block my card for XXXX days. This makes absolutely no sense and is not fair business practice or fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I am only XXXX  days late on my payment. I only owe XXXX  payment. I have requested many times that they change my payment to monthly instead of every two weeks, because I have been pate before. I am only late XXXX  payment maybe no more then XXXX  days at the most when I am late. But why I am so upset about is they call me three times a day between XXXX. I have kept records of all the calls and messages. To me it's annoying and consider harassment. I work overnights, sleep during the day they know this, but they continue to call repeatedly. I can understand them calling if I was XXXX payments behind, but I have never been but XXXX behind no more than XXXX  days. Isn't this harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have attempted to get caught up on my Mortgage Payments and they have closed my online payment access and refuse to help me over the phone even though there is a 15 day grace period and I thought I could make payment to catch up by the 15th but instead they are throwing me into foreclosiure. I have no documents and no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Our cheer gyms email was hacked and XXXX payment was requested. When sent the funds we were notified that the account was hacked and the gym was not involved in requesting the money.

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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
The Receivable Management Services reported to the credit bureaus a derogatory collection on my account XX/XX/2019. I did not receive any correspondence by way of mail or a phone call before they reported to the credit bureaus. As soon as I found out about the derogatory reporting to the credit bureaus, I sent a letter XX/XX/2019 to Receivable Management requesting validation of this debt with competent evidence bearing my signature. I received a response letter from them just stating that I had an amount due with no validation of the debt. I again sent another letter XX/XX/2019 requesting any viable evidence bearing my signature showing the account being reported accurately. Again, they sent a copy of the first response with no validation that I owe any debt to Receivable management.

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 2020-01-10 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: MI

Complaint narrative:
I have contacted Equifax on several occasion about fraudulent and incorrect info on my credit report. A letter was mailed to me XX/XX/2019 stating Section 605B ( c ) of the Fair Credit Reporting Act is not removing any information from my credit report. Due to the erroneous fraudulent items on my Equifax credit report I am not able to utilize my credit effectively. Please assist me to ensure Equifax comply with the concerns of this manner. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
This complaint does not fall under any category option. We attempted to payoff a mortgage and wired funds to Mr.Cooper on XX/XX/XXXX per payoff statement. Long story short, it is now XX/XX/XXXX and Mr. Cooper has still not applied the funds towards the mortgage, nor have they refunded the funds. They are insisting on collecting interest for XX/XX/XXXX - through the date they receive the payoff as now calculated, however, we can not send them that amount as they still have the money initially sent and have not returned the money. We have asked that they apply the funds to the account and advise of any shortage, but they have been unwilling to do so. If, as they say, the funds were short, they should have immediately returned the funds, or applied said funds towards the account. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
There is a company called NELNET that as been harassing me since around early 2017 until this day about student loans I dont know of. I found this out when I check my credit report. I tried to get help from other companies to help me with this issues, and no help. I filed Numerous disputes on all three Credit bureau, I even file a complaint with the Identity theft.gov to download the documents they Provided for me to give to all three credit bureau, And they refuse to remove all negative reports on my credit report. I wrote them Numerous of times do not contact me in letters anymore. and they are still harassing me on loans that is not mine. and Ive never knew of them. They are using Illegal promissory notes that was not done by me and falls names and addresses of people I dont know and promissory notes that are outdated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
Phone Payments include a fee up to {$15.00}. 
The phone payments are not in my loan contract. The company agreed but continue to charge the processing fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/XXXX  have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

Experian is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof Experian has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.

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 2020-01-10 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: TX

Complaint narrative:
I see the following dispute notice on my credit report : " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration. ''  I do NOT remember giving Experian any issue date of the social security number in the past, and my social security number is valid as of right now. I'm willing to provide the issue date again, but bottom line is this dispute notice should go away.

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 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was charged by Capital One Mastercard for a {$22.00} cash advance in XXXX of XXXX. I did not know of this until I complained again about the usurious interest rate of 26.4 % being charged to my card account. When I first took up the telephone offer for the card the representative promised me that if I showed a good record of making monthly payments that my interest rate would be dropped to a lower percentage. Finally after about two years the interest rate was dipped for about 6 months and then went back to the original 26.4 % rate. I complained about this again in XXXX of XXXX and then I found about this unknown {$22.00} cash advance of XXXX that I did not authorize. The representative said he would forward this to the Capitol One fraud division. I then told him to freeze my account and not honor any further charges and I would not make any payments on the account until I got a paper trail bill dating back to XXXX of XXXX. To date I have not received the paper bill and I called Capitol One again on XX/XX/XXXX to both complain about the usurious interest rate and the fact that nothing had been done to remove the fraudulent charge on my account. I told them I would file a complaint with the Attorney General of Nevada and the FTC about the predatory actions of Capital One in telephone solicitations to induce and lock people into horribly high interest rates and not investigate fraud on my account with due diligence I hereby submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
Purchased a Mattress Set on XX/XX/2020. The product in the store was a memory foam brand. I agreed to pick the product up instead of paying the delivery charge. Took it home, set it up and realized it was not the same product as the one I tested on the showroom floor. It felt like I was sleeping on a slate. It kept me up all night. I was in pain and discomfort. I suffer from XXXX XXXX and XXXX. I told the salesperson this when I selected the product. I was assured it would suit my needs. Product was picked up XX/XX/2020. I called the store at XXXX XX/XX/2020. The salesperson said I would have to speak to the Manager. I spoke with XXXX at Conn 's Home Furniture in XXXX XXXX SC. She said there is a no return policy because of health reasons. She also said I would have to sleep on it a while to break it in. I told her that was unacceptable. She referred me to their Customer Service. I spoke with XXXX. She also gave me the same conversation. The Mattress set is {$1300.00} plus Finance charges. I put down {$69.00} on the Lease to Purchase Program. I have medical issues and I refuse to subject my body to such conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, Ditech received a {$280.00} refund of an overpayment on my property taxes from XXXX. My mortgage account with Ditech was paid in full XXXX. I have called four times requesting a refund of this money and continue to get the run-around on why the money hasn't been sent, how one department has to request another department refund the money, and when I should expect to receive the money. Each time I call I get a different story about the status of my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
They are calling almost everyday even I am on the " No Call List '' and telling me to call back for they are from Midwest Fidelity Services and have an important message. Did not called back because I know they are scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation