vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
In XX/XX/2018 after over 2 months of my Land Lord failing to supply my apartment with electricity, I exercised my right to vacate the rental property due to the Land Lord 's failure to meet their obligation for warranty of habitability. The Land Lord neither compensated me for the loss of use for the two months, and failed to respond to my numerous requests to correct the situation. Illinois Lease Law allows the tenant to vacate the property due to breach of warranty of habitability after, and I provided my Land Lord with written notice of my intent to vacate the property. The land lord has never received a judgement against me, and sent the unpaid portion of my lease to collections without receiving a judgement. Further the collection agency failed to notify my of my right to dispute the claim, and can not produce proof that I was notified. This is an unfair collection action that is negatively impacting my credit, and harming my ability to get a loan for my daughter 's college tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX, XXXX, New York XXXX I was informed that my Chase Checking account was closed by the Branch Manager Vice President XXXX XXXX. 

Lost Prevention informed me they did not know why. ( XXXX ) Lost Prevention ( XXXX ) informed me that it was closed for No specific reason, they felt like it. That is the reason. 
On that day I was about to deposit {$1000.00} into my Chase checking account, which has a balance in it. This account is used to pay my Chase Home loan and other bills. 
I have had accounts with Chase for years.

After coming home I called Chase and spoke with XXXX at Loss Prevention XXXX, She had no further information. 










































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Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CO

Complaint narrative:
This goes all the way back to last XX/XX/XXXX when someone ( who's been arrested XXXX ) made some unauthorized charges on 2 of my 3 Capital One credit cards.

I have a credit score of XXXX. Never late, never over limit for decades. Then this problem. 
You think it will never happen to you. 
It has been resolved for the 2 business cards, but my personal MC is still a mess. 
I have gotten conflicting stories from CO by letter and by chat. I have asked to re-open the MC account XXXX XXXX XXXX XXXX. I have {$110.00} of cash rewards there. I already lost all my miles on the biz cards. Too bad, eh? 
I suggested that the cash back be applied to the {$1500.00} or so balance. Next thing I know I get dinged {$25.00} for a late fee on a minimum payment of {$25.00}. XXXX!!! 
Capital One has been inconsistent and very slow to deal with this. It has been impossible to get a straight answer or even a consistent status report. 
And now they hit me with a late fee when they have my cash rewards in their account. 
I'm going to suggest they re-open the account or write it off. 
I am sick of this one-way relationship. Against MY policies!!! 
OR - make me a payoff offer that reflects the inconvenience you have caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid my XXXX XXXX  credit card balance down to {$0.00} before my due date. I have my XXXX statement proving I paid everything to {$0.00}. 
But XXXX incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I had a lease with my ex but i had to move out as the relationship ended. He handled the lease.but i went to the leasing department to get my name off the lease, Since then i have seen a XXXX follection on my credit report from a collection company but no one will send me a detail for what its for. Please help. That is way higher then it should have been even if i was on the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.

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 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX  , TransUnion and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX  XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX  XXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX  XXXX  : XXXX Dispute late payment : XX/XX/XXXX XXXX  XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX , XXXX and Experian. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXX/XXXXt removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AR

Complaint narrative:
I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Have been in contact with this person since XX/XX/XXXX. 
XXXX : XXXX Informed us that the puppy was available for XXXX $ including shipping and health guarantee they prescreened me and sent me over the signed copy of Bill of Sale and Transfer of ownership papers so I can sign and send back Sent them XXXX $ via XXXX transfer on XX/XX/XXXX. 
then the Shipping company got back to me saying, the shipment of puppy is held back because the crate was not upto the standards and i could rent their crate for a refundable deposit of {$1500.00} to proceed, made this transfer via XXXX on XX/XX/XXXX. 
Today as of XX/XX/XXXX, I never received the puppy and the shipping agency is asking for XXXX $ as a refundable deposit for the pet insurance as some pet policy. 
Neither the shipping agency nor the shipper are responding to my calls or texts. 
After realizing that this is a scam made several calls trying to get help from customer protection from chase bank all they say is the transaction was made through 3rd party  XXXX and they can not do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Card Receivables Fund Incorporated
State: IN

Complaint narrative:
In my phone call to UNIFUND CCR, LLC on XX/XX/2019 at approximately XXXX EST to settle an open lawsuit against me, the UNIFUND CCR , LLC representative stated that the default judgement was being processed. When asked to clarify as I was entitled to 20 days from the date of receipt of the notice before a default judgement would be issued, she repeated the same phrase again. 

As I am entitled to 20 days from the date of notice to respond to lawsuits before a default judgement is issued, and the date of notice was XX/XX/2019, on the date of the phone call, no default judgment could have been being processed. Therefore, their agent used false or misleading representation and violated the FDCPA.

The Federal Debt Collection Practices Act 807 ( 2 ) ( B ) states clearly that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. [ ... ] the following conduct is a violation of this section : the false representation of - [ ... ] the character, amount, or legal status of any debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
This dispute was filed incorrectly I have tried numerous times to correct that with this company however they have delayed and tried to prevent me from doing so. XXXX XXXX a rep from the corporate office has been corresponding with me even though he has admittedly no authority to resolve me issue this charge occurred on XX/XX/19 it is now XX/XX/XXXX. Mr XXXX idea of a resolution would be to just now submit my information to the dispute team for review even though Ive advised numerous upon numerous times that it was filed incorrectly. This is egregiously incompetent it is nearly four months since the charge occurred and they have yet to credit my account. Please assist.

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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MoneyLion Inc.
State: NY

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX $ each day was trying to do an atm withdrawal and no money was dispensed. I try to call. The atm said that my bank has to do a dispute and the bank said that I have to contact the atm

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Applied a new credit card few months. Forgot to enroll in auto-pay. As a result, late payment ( 36 days ) on the card. As soon as I released my mistake, enrolled in auto-pay and paid the credit card in full. 

Recently a month ago, i tried to refinance my mortgage and the loan officer basically denied my application. He said my credit score was low and would recommend waiting a few month to see if it improves. Credit score dropped to XXXX. 

Checked my credit report, it has " Derogatory Information '' Derogatory Information 1 Account XXXX Date Reported XXXX Creditor Name Bank Of America Status Open Called the bank in question, they waived off the late fee + interest on the card ( BoA ) But said, they can not do anything w.r.t removing the derogatory remark from the credit report ( tried to talk to 3 different reps, but gained no traction ) Any pointers on how to get rid of this remark/improve my credit score/soften the blow? Costing me close to $ XXXX/month by not taking advantage on refinancing. 

FWIW, In the past few years, my credit score has always been above or close to 800. I have never missed a payment in my 10 years of my credit history. I bought my house a yr ago with credit score of XXXX and got the best possible rate.

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 2019-08-02 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
this is a HELOC with a Separate account number NOT IN LITIGATION. JP Morgan Chase Bank, NA, I believe is trying to merge the first mortgage ( in litigation ) with this HELOC NOT IN LITIGATION by making the new investor the same collections as the first that is in litigation. This is an attempt to merge the HELOC NOT in litigation with the primary that is in litigation. TWO SEPARATE ACCOUNTS. Now JP Morgan Chase Bank NA is trying to illegally merge the two accounts in effort to commit acts of wrongful/illegal? banking practices.

Please see attached showing two separate accounts being merged when the servicer of the primary mortgage Now Claims to be the new investor of the separate HELOC Not in litigation ... PLEASE SEE ALL ATTACHED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
hello there, yes, I had cleared up a 2016 negative balance that was in my checking account last, and the month of XX/XX/XXXX payments, last month I had wanted to open a new account with the same bank, and several others they told me they was unable, because it was a fraud issue.

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