vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have called several times plus faxed in a copy of my cashed check for {$2800.00} that they cashed on XX/XX/XXXX. They still claim on XX/XX/XXXX that I have not made a payment. Barclays XXXX XXXX  Credit Card has shut off my account for new charges. I never missed a payment in full ever since I have had this card. I talked to a customer service person named XXXX who couldn't get a manager on the line after waiting 57 minutes on the line.I sent in a check for {$5700.00} on XX/XX/XXXX overnighted with the Post Office because it was going to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have documentation of this being delivered on XX/XX/XXXX. It cost me {$25.00} to do so and they never posted the payment. 

My credit score has gone down because of these bad practices of accounting. Also they been charging my account with late fees and interest while holding my money for almost a month. Please note there are two attachments supporting this.

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 2019-09-27 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans is erroneously reporting two ( 2 ) thirty ( 30 ) day lates on me and my wifes credit report, which caused me not to be able to refinance my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity-victorias Secret credit card. My first payment due date was on XX/XX/XXXX. I paid my balance, total payment of {$65.00} on XX/XX/XXXX. I didnt receive any mail from comenity bank only coupons from victorias Secret until the XX/XX/XXXX I received a phone call from comenity bank asking me to make a minimum payment of {$38.00}, so I asked Mr. XXXX ( the manager ) what he is talking about because I pay off my  whole balance, and I had never use my credit card, ( my balance was from the date I opened the account at the store ). And he said I had a balance of {$38.00} plus late payments and interest. I spoke to him for over an hour and he said I had to make a payment or my bill will be over {$100.00}, he couldnt do anything for me, He said I have to make my minimum payment and after that date he will put another charge of {$38.00}, we didnt have any agreements, I request my credit card statement because I didnt get one for over 2 months. He did send me one with {$28.00} late fee plus {$2.00} interest plus {$33.00} late fee and {$2.00} interest plus {$38.00}, {$38.00} my balance was now over {$90.00}. On XX/XX/XXXX I have another phone call from comenity bank to make a minimum payment of {$38.00}, I explained To the girl I dont owe them any money and explained to her everything and she just keep asking for {$38.00} and after midnight she will put another charge on my account. Several times I spoke to comenity bank managers and they just try to force me to make a payment of {$38.00}. At the end of XX/XX/XXXX I spoke to another manager she said she will reduce my payment to {$60.00} for me to pay my bill my husband was going to pay {$60.00} I was not agreed with that but I didnt want to deal with comenity bank anymore, but the manager tried to collect {$60.00} and she said she will add another {$38.00} late fee after the payment, so I refused to made the {$60.00} payment. Finally on XX/XX/XXXX, I spoke to another manager name XXXX, I told her what I had been going thru and I told her I agreed to pay the {$38.00} charge to get over this nightmare and she apologized for everything I had going thru and she took my payment and I requested a copy of my future statement with {$0.00} balance. Comenity bank affected my credit score with false fees, late fees, interest and bad managers that they couldnt explained me from where the fees come from. Also, they lower my credit card credit limited to {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with XXXX XXXX in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : CHASE CARD # XXXX. Opened Date XX/XX/XXXX, Balance {$0.00}, Limit {$1600.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I canceled XXXX XXXX XXXX XXXX in XXXX after a 2 month period due to excessive monthly increases and retained another Auto insurer. They are charging me for a month I was covered by another Auto insurer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
We refinanced our home on XX/XX/XXXX. Upon closing our documents read the first payment would be due on XX/XX/XXXX. We our first loan doc in the mail on XX/XX/XXXX from our new mortgage holder CMG mortgage inc had a due date of XX/XX/XXXX. We called to verify if we needed to make a payment for XXXX because our closing docs stated a first payment date would be due that month. A representative from CMG mortgage inc told us on the phone that no payment was due in XXXX and dont worry about making a payment until XX/XX/XXXX. This is also what our first statement read - payment due date - XX/XX/XXXX When we called to make what we thought was our first payment for XXXX we were told we were already a month behind and now need to make two payments. Again the only statement we received had a due date of XX/XX/XXXX and this was verbally confirmed from CMG Mortgage Inc. I believe this was very misleading and CMG Mortgage inc was unwilling to move the payment to the  back of the loan or do anything for this situation other than state we needed to make both payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance now reporting on XXXX thats my loan. 
That is identity theft the use my name and S.S through a application.XXXX  XXXX thats his debt he also file bankruptcy for this loan.They will not remove it off XXXX. 
I file a police report also

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 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I used my Chase Bank mobile app to send $XXXX via XXXX with XXXX to a concert ticket seller. The money was sent and by XXXX I had not received the tickets as promised via XXXX. I determined I was scammed. I called Chase immediately so they could reverse the transaction and they stated they could not make the reversal because it had already been taken out of my account. They also refused to help me reach out to the bank where my money was sent to. Lastly, they stated to me that even though I used their mobile app (Chase.com), they have no recovery rights or obligations to retrieve my money because it was done through XXXX. My issue with this is obviously the money that was taken, but the fact that they have an unsecure form of payment on their app and allow their customers to use it without making them accept any type of terms or conditions prior to sending a payment. I need to have my money returned to me and Chase has been of zero help. I called XXXX and there is not an option to speak to a real person. If you select the option that states you use the app through your bank, the recording tells you that you must call your bank for issues and they cannot be of any help because of “privacy”. So the buck is passed yet again. I have filed a police report about this incident that is attached with this report along with my proof of the money sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2019 a hard inquiry from XXXX XXXX appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from Penfed. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from Penfed I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize Penfed look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from Penfed informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I purchased a Google Play Gift Card from a seller on an online marketplace ( XXXX ). I have purchased numerous codes from other users and redeemed without issue. Lately ( XX/XX/2019 to the present XX/XX/XXXX ), Google has been requesting info and images ( picture of the card, picture of the receipt and proof of residence ) before the code can be redeemed. This is being done in attempt to prevent scammers and fraud activity. I have very little issue with this process should I receive a timely response. However, various attempts to resolve via Google 's process has resulted in zero response from whatever specialist team is assigned to investigate these claims. There are also no escalation channels available. Any contact made via Google 's intended channels is a dead end, resulting in the canned response of " nothing we can do until the specialist team responds. '' Therefore any money spent on these cards/codes is essentially held ransom ( essentially theft ). This is an absurd process that Google has no legitimate response to. With all the intelligence that accumulates at a company ( which data mines all their user base ), one would think a more streamlined process could be created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: CT

Complaint narrative:
I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have just received a response from Capital One regarding an alleged account ending in XXXX ( CFPB Complaint Number XXXX ), wherein Capital One has claimed I still owe a balance and has ignored my demands to see the contract I signed to open such account. 

I will be clear in stating I have never opened an account with Capital One, any account, as I never sign contracts of a financial nature, and of the nature Capital One alleges I have done. 

I did receive Capital One 's " Fraud Affidavits ''. And as I have told the Capital One representative when I called in to speak about this alleged account regarding this, I am not the party needing to provide proof here. I do not contract online, so I am demanding proof and to be able to view the contract, with my signature thereon, agreeing to this contract Capital One alleges I have opened. 

I will not fill out paperwork giving up my personal, sensitive information and identification. Capital One is in no place to make demands from a contract that is void ab initio.

Show me said proof of this debt, or there is no such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 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:
Equifax failed to contact me or CFPB within the allotted amount of time. 

XXXX  requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX failed to contact me or CFPB within the allotted amount of time. 

Experian requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.

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 2019-09-28 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:
Transunion has failed to respond within the allotted time frame. 

This is regarding my student loan payments to XXXX. 

See my original complaint for details.

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 2019-09-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, American Express customer service sent me multiple simultaneous emails. All the emails were entitled : Important information about your account. '' In those emails, American Express said they were, effective immediately, closing ALL of my credit card account. They closed about 6 cards in one day! I lost personal and business credit cards that I had used for many years and have been a loyal American Express customer for over 20 years. The MOST devastating thing about this was that I lost XXXX membership reward points, at a cash value of XXXX dollars. There was no explanation. We called American Express over the phone on XX/XX/XXXX and XXXX  trying to get the cards open. They denied this and didn't know why the cards were closed What is absolutely maddening about this is that they also said that all of the XXXX membership reward points, points that we had earned by using american express credit cards for ALL of our personal and business purchases, ALL of it was taken by american express and wiped to XXXX. We tried to reach out on XXXX. No luck. We have also sent letter mail to american express at this address : XXXX  XXXX XXXX XXXX XXXX, TX XXXX. No luck. I understand American Express can close cards, but I believe they should give me a chance to use my membership reward points or cash them out, just like EVERY other credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has let to mail me a complete copy of my credit report after I reported several issues within them to errors on my report. and information after I opt out for promotional. Equifax refuses to mail me a report after several attempts I requested to them. Equifax mail me 2 or 3 pages and that's it and it has happen the last 3 months I seem not able to see what they have on my credit report in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief