vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a Chase Slate credit card. 

I was informed that as of XX/XX/18, my interest rate would increase from 11.49 to  16.74 %. Chase informed me that my purchases prior to that date were protected at the lower rate and that subsequent purchases would be at the higher rate. 

I understand that the CARD act requires payments to be applied to the minimum payment due, then excess funds to be applied to the HIGHEST interest rate balances first, then lower interest rates. In short, I have made purchases of approximately {$1700.00} and payments of {$3200.00} since XX/XX/18, however Chase continues to INCREASE my balance subject to the higher interest rate. They claim it is now over {$1300.00} as of the current statement. 

In late XXXX, I spoke with a manager that agreed that this was an issue with their system and my interest was refunded. He agreed that my balance subject to the higher interest rate should have been about {$800.00}. My minimum payment due was {$240.00}. I then made a {$1200.00} payment and received my next statement ( XX/XX/XXXX ) showing that my new balance at the higher interest rate was now over {$1300.00}. Clearly the application of funds is not occurring per the CARD act, or I've misunderstood the rules. 

On XX/XX/XXXX I spoke with another manager that refused to address any of these mathematical inconsistencies. He further stated that " your payments are to be split between your various interest rates, not just going to the higher rates first ''. This would directly contradict the CARD act and the agreement from the manager the month before ... and everything I've read. He was also unable to explain to me how each of the payments since XX/XX/XXXX were applied, he just kept repeating that " all payments have been applied properly ''. 

My intent was to pay off any new purchases, plus the minimum payment, plus several hundred dollars more each month - and my payments have reflected that AND MORE. However Chase continues to inexplicably grow my 16.74 % balance without explanation or recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 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: SC

Complaint narrative:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: UT

Complaint narrative:
I called the number on my card to let them know I hadn't sen my card in over a week. So I wanted to cancel that card and get reissued another one. During this process the automated system asked me if I had made certain purchases. I had not made the ones that were mentioned so it had me file a dispute. When talking with the person on the phone I explained that I had only used the card for a few things IE : car insurance, health insurance, food delivery. He asked me if I had any knowledge of a credit for {$40.00} and I told him yes because I had gotten an email from XXXX a few days prior. So he told me what to do next and gave me a reference number. After a few days my new card was sent to me but I was unable to activate it as it said my account was blocked. Then I received a letter that my claim had been denied. SO I asked for the paperwork that they based their decision on. And the reasons dont make sense. So now I am hoping you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dates, XX/XX/16 to XX/XX/16. Bank employees XXXX XXXX XXXX XXXX Ms. XXXX. XXXX XXXX. The following attachment shows 1 month. Although missing funds recoured each month except the last. IE start with balance at XXXX plus remaining XXXX from previous first Page subtractions should read, XXXX second XXXX third page XXXX fourth XXXX total would be XXXX leaving XXXX missing, stolen. I contacted me XXXX she advised to close the account and we would make another report to the company the next day. Next morning I sat at a desk completely inorged. This continues for 2 more days. I contacted the police, they said it is a bank problem. If you need additional receipts please contact me, or if attachment is not clear enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something. 

The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account. 


Someone from the CFPB needs to look in to 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 non-monetary relief
Consumer complaint received 2018-07-27 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: NC

Complaint narrative:
I submitted the documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) is considered as fraud to me I have contacted Equifax to remove this account because its fraud which has been reported to me and was removed from XXXX & XXXX, I have contacted them a few times about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: FL

Complaint narrative:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account with transunion agencie and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Trans Union indicated directly by phone that Bank letter that certified account was paid in full and closed is not acceptable. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account, and not investigating deeply about the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a Victim of Identity Theft and on XX/XX/XXXX, I mailed out the first dispute letter via certified mail to Equifax with documents showing proof of Identity Theft. I attached a letter with the details of all the accounts that does not belong to me, that I did not authorized to be opened. I also attached my driver 's license, SSN, proof of address, Identity Theft Report, and the Fair Credit Reporting Act Section 605B letter. I have sent them all the required documents 3 times, and none of the Fraud Accounts has been removed! Now it is way over about 4 months they haven't resolved this matter, they clearly are not complying with the Fair Credit Reporting Act 605B. I need your help in contacting Equifax to respond to this matter immediately, as I have provided all required documents of proof to pursue this matter, or I will take action with the lawyer for monetary damages!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took loan out months ago made installment agreements. 
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: SC

Complaint narrative:
I submitted documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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: SC

Complaint narrative:
I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Today XX/XX/18 XXXX XXXX called me at XXXX XXXX. 

This is completely ridiculous. They continue to call at all hours of the day and night. They repeatedly harass my family members after being told repeatedly to stop calling them. They call my Mothers cell phone and leave detailed information about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
Pacific Union Financial They have taken XXXX dollar 's from us and XXXX XXXX for Apprasails because the loan went from Conventional to FHA. We started the process in XX/XX/XXXX of 2018 and is now XX/XX/XXXX of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the XXXX XXXX location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of these employees have been able to close our loan for us we have sent them every document that they have asked for, they do not call back and the only person out of the one 's listed above that answered the phone when we called was XXXX. They are very incompetent and it left my family and i wondering if they are qualified for the dutys of their jobs. We are an exsiting customer of them and because of this we will be finding someone to refinance what loan we already have with them due to the struggle it has been to work with them. I strongly advise any looking for a lender to run far away if you see this company coming and to refinance if you are with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: NY

Complaint narrative:
On XX/XX/XXXX I was browsing for tickets online via XXXX the site kept crashing and reloading when trying to make a purchase. I reloaded the page and it charged me for 6 tickets. I called Capital One to dispute the charge. After several attempts both in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with each rep telling me new information 's and a new task for me to complete the issue was never resolved. Now I am responsible for an {$1100.00} charge on my credit card which I can not afford This has been a nightmare and I do not feel I should be liable for a charge I did not consent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report for {$980.00} with due date of last report XX/XX/2018, last payment date is XX/XX/2018 and date of last activity is XX/XX/2018. I do not have or ever have knowledge of this debt they are reporting to the credit bureau. they report the creditor as N/A in the credit file. I called and mail the company many dispute letters to no avail. No original creditor is listed on their filling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed Sallie Mae loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and Navient/Sallie Mae. Navient said I had a XXXX   balance, and I was not attached. All three credit bureaus said that Navient told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I disputed this account with XXXX  on XX/XX/2018 information on my credit report was updated but the information was not removed and XXXX advised me to dispute directly with Chase. I contacted Chase and explained to them that the account that they are reporting on my credit report was fraudulent and Chase sent me a Fraud Affidavit to fill out., after I filled out Chase Affidavit along with a police report, Chase denied my fraud affidavit and refuse to remove the fraudulent account from my credit report without a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report from Experian, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. Experian told me to send a letter for they could not find said acct over the phone. 

Experian also report an account from XXXX XXXX XXXX XXXX acct XXXX. I want that account to be erase from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX  from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. Experian did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.

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 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX   balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.

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