vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
XXXX Letter sent from the Maine Revenue Services indicating that I was past due on property taxes for XXXX. 
XX/XX/2021 ( approximately ) - I called Chase ( my service provider ) to discuss the situation. The issue was escalated and I was told it would be resolved within 14 days and I would receive notification of the result of the escalation XXXX I called the Maine Revenue Services to confirm that the property tax was paid. It was not. I also learned the tax payment was officially in default. 
XXXX I called Chase again to get a status on the situation. The agent confirmed that nothing had been done in the roughly 6 weeks since my last call. The agent escalated the case and indicated that again it would be 14 days and the issue would be resolved and I would receive notice of the outcome. 
XXXX I called the Maine Revenue Services to make payment for XXXX  plus 2 months of interest totaling {$1100.00} to mitigate any further interest due and damage to my credit. 
XXXX I called Chase to again see what the status of the situation is. Again, nothing has been done to resolve the issue. Again, this was escalated and will be yet another 14 days before I get any indication of what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MN

Complaint narrative:
I would like to file a complaint against Intercontinental Capital Group for misleading refinance solicitations. I received the attached letter from the company. While a consumer wouldn't know it from the letter, all it is is a roundabout way to try to get me to refinance my home loan. 

There are no XXXX  enhancements that I could benefit from. No where in the letter is the word refinance mentioned and that is all they are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've been trying to close my Chase XXXX XXXX XXXX card and the company will not let me. They have me in " customer support '' XXXX endlessly routing me between different people. I believe this is a deliberate attempt to precent me from closing my account so they can continue charging me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi My name is XXXX XXXX and I want to bring the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason.According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : Creditor : Capital XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor XXXX XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 My contact information is provided below, and I have included proof of my ID and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Account # : XXXX XXXX Account Number # : XXXX XXXX Equifax is the only credit Bureau who Is still violating my rights and reporting false and inaccurate information on my credit report. There is an account that was reinserted on my credit report without written notification of reinsertion, This is the first Violation. 

The second violation is that on my credit report, the account is a collection/Chargeoff account showing Date Last Active - XX/XX/XXXX but it shows I made payments the whole year for XXXX and the whole year in XXXX. 

third violation - The account is showing a Balance due of {$1900.00} on a closed/collection/Chargeoff I have filed several disputes with Equifax and they are just using the eOscar system to verify this account instead of a proper investigation. 


XXXX Account Number # : xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX  days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank XX/XX/XXXX {$240.00}. XXXX was in my account. Charges for {$230.00} came out. The bank pulled XXXX from my account, and charged me XXXX for an overdraft fee. 

XX/XX/XXXX {$440.00} was in my account. Charge for XXXXcame out. Bank pulled {$37.00}, and charged me XXXX overdraft fee. 

Both times, I wasnt negative. 

XX/XX/XXXX I had XXXX in my account. Charge for {$50.00} came through. Bank pulled out {$25.00}, and charged a XXXX overdraft fee. 

XX/XX/XXXX I had XXXX in my account. Charge equaling XXXX cane through. Bank pulled out XXXX, and charged me XXXX for an overdraft fee. 

I am not negative when these charges hit, and if I am, ita below $ XXXX.They are doing this, to make money off their consumers. I have provided 3 screenshots of my account being positive, and the bank pulling money from my savings, plus an overdraft fee. This is illegal.

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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HANCOCK WHITNEY BANK
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to chexsystems that I had committed fraud. Chexsystems then sided with the fraudulent bank branch and put my name in chexsystems for " suspected fraud '' after I emailed them photos of paperwork from XXXX  XXXX XXXX showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, chexsystems continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have inquires on my credit report that i never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I rented a car from XXXX rental car ( XXXX XXXX  Record Number # XXXX ) on XXXX from XXXX and returned it on XXXX in XXXX XXXX. Estimated charges was XXXX XXXX XX/XX/XXXX I receive a letter from XXXX XXXX XXXX control claiming that I didn't return the vehicle. I explained to them that the vehicle was returned as per the above dates. They opened an internal investigation and provided a case number XXXX within XXXX internally, which concluded after checking the XXXX rental return area camera 's, that the car was returned on XXXX! They informed me that the charges would be finalized at XXXX $ and that the rental record/contract should be closed shortly! Despite the difference in charge, I said may be a mileage thing. Let it be and get it closed out... 

XXXX I got hit on my credit card with {$980.00}, I immediately disputed the charges. The Citi Bank Credit card disputed the charges with XXXX XXXX XXXX. However the vendor rejected the dispute and credit card told me that I have sort this out directly with the vendor. No further dispute would be accepted until i get an official response from XXXX with the reverse of the charges! 

I opened a claim with XXXX ( XXXX is the latest ) for the past two month I have been following up with them patiently and each time they tell me give us sometime. 

Finally today they told me we can't refund the money back to you as the location confirmed that the charges are valid. I reference the Vehicle recovery case number XXXX that confirmed the charges are XXXX $ and they said the location confirmed that no refund can be made on this contract. 

I informed them that this is not acceptable and they turned around and said we understand but this is what the location have advised. I told them this is something between you all... I got a case and a number that I was given as anticipated charges from XXXX and still your location insist on those charges. This is an internal issue that as a customer. I have to deal with it!

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 2022-01-04 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: PA

Complaint narrative:
XXXX XXXX XXXX put an inquiry on my Experian consumer report when I did ask them to check my credit.

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 2022-01-04 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
To whom it may concern, I'm disgusted and upset that the Credit Bureau is not taking my request to investigate the inaccurate and misleading information on my consumer report seriously. I've sent a certified letter over a month ago, requesting the agency to verify and accurately identify these accounts, and If they can not accurately identify them delete them immediately.

To date, I have not received a response from them yet.

In accordance with federal law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

They must delete them.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.

Company response to consumer: Closed with explanation