vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hello. I have a credit card issued from Chase Bank. On XX/XX/2017 I purchased a service from an auto graphics company, XXXX XXXX XXXX, and paid an initial deposit of {$1300.00} to have my vehicle " wrapped. '' The deposit guaranteed the work to be performed and completed within 60 days. I used my Chase credit card to pay the deposit after the merchant sent me an invoice via email using their XXXX account. After making the payment, I was no longer able to have successful contact with the merchant and no graphics or wrap was installed on my vehicle. I contacted Chase and filed a dispute on or about XX/XX/XXXX which resulted in Chase somehow finding in favor of the merchant without advising any explanation for their reason. I requested Chase re-evaluate the dispute and purchase and they again found in favor of the merchant. I spoke with a Chase supervisor on the phone who advised me that the merchant claimed that they performed the service and that payment was made AFTER the services were performed. I advised them that was not true and that the invoice even notated that the payment was made in advance of the services. The supervisor advised me to have my vehicle inspected by an industry professional to receive a written opinion to inspect my vehicle and determine if my vehicle received the service I paid for. 

I had my vehicle inspected at XXXX XXXX and received written documentation from the business owner verifying that my vehicle was still in factory condition. I sent Chase the documents they requested and they again found in favor of the merchant. I contacted XXXX and advised them of the problem I was having with a merchant using their processor. I was advised that the merchant is not required to show proof that services were performed, they merely need to state that it was or wasn't. XXXX then discontinued communication with me. I then retained an attorney to assist with this matter which still resulted in the same outcome. A Chase employee replied to my attorney with a confusing, and inadequate letter failing to properly explain their reason for favoring the merchant. I attempted to contact I requested telephone calls from Chase, which I have yet to receive, after learning of some inaccurate details in my dispute. As to date, Chase has not provided me with any documents that they received from the merchant or XXXX that led them to their decision. 

I offered to pay the amount of my card that I believe I am responsible for but was advised the amount in dispute would remain on my account. I have paid interest fees and a higher monthly minimum each month because of this charge where I received no services or benefit from. Please assist with this matter. I will attach documents pertaining to this issue and others if necessary. Thanks. -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX there was data breach involving my Stein Mart XXXX XXXX   card. I called the fraud department right away and disputed the charges that were not from Stein Mart since I never used the card for any other vendors. I canceled the card right away ( XXXX XXXX XXXX XXXX ) Some of the charges came from other stores and they were taken off my account right away. But two of the charges involved companies that mailed items to my home address. I called the two latter companies and they refused to deal with me, stating that I had ordered the items and that I could not return them unless I paid for the shipping. I was told to refute the charges through Synchrony which I did. I learned through an Internet search that I was the victim of a scam : data is stolen, items are bought in stores, and items are bought online and delivered to home address and then stolen from the front door or a bogus XXXX envelope left for returns. 

When I first received my XXXX bill from Synchrony, I paid the {$38.00} for a Stein Mart charge ( which was my purchase ), but did not pay the {$210.00} for an XXXX Online purchase made on XX/XX/XXXX and the {$110.00} for an XXXX XXXX purchase. ( Total disputed : {$320.00} ) I also received a form from Synchrony 's Fraud Solutions Department that I filled out and returned to them. 

My XXXX bill showed credit for each of these disputed charges and a balance of {$0.00}. I thought the problem was resolved. 

In XXXX, the bill for {$320.00} returned on my statement and since that time, fines have been added. I have contacted Synchrony twice more trying to resolve this. I received two form letters denying my fraud claim because " Merchandise was shipped to customer 's verified address. '' Now Synchrony has been calling me up to three times a day. I have explained over and over that I dispute the charges and was the victim of a data breach. The phone calls continue but the issue is not resolved. I have excellent credit and don't want this to hurt that.

Can you help? Thank 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 monetary relief
Consumer complaint received 2018-10-08 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: KS

Complaint narrative:
I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.

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 2018-10-08 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: KS

Complaint narrative:
I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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 disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Back in XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.

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 2018-10-08 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: CO

Complaint narrative:
On XX/XX/2018 while shopping at XXXX XXXX # XXXX in XXXX, Co, someone somehow charged {$270.00} to my Citi Master Card without my knowledge. My card was in my wallet in my pants pocket the whole time that my wife and I were in the store. On the same day my wife charged {$34.00} to her Citi card ( same number ) to pay for our purchases at the same store. When I received our credit card statement I reported the unauthorized charge to Citi and filed a dispute # XXXX. While talking with the City Security Dept. I was advised to submit a police report which I did on XX/XX/2018 Tracking # XXXX, Case # XXXX and a copy sent to Citi. On XX/XX/2018 I received a letter from the police Dept. stating that since the loss was less than {$2000.00} the case would not be investigated and was closed. I sent a copy of the letter to Citi. After further investigation Citi sent me a letter on XX/XX/2018 stating that I was responsible for the charge since their computers show that my card was physically swiped ( it was not! ) Somehow someone figured out a way to charge someone else 's credit card and fool the credit card companies computers into thinking that a card was physically swiped when it actually wasn't. When I called Citi I was given the impression that they thought that I was lying and that I had actually used my card or somehow forgot that I used 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 2018-10-08 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. Navient and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. I have never received any notices in the mail either. On my credit reports it shows that I owe them {$880.00}

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 2018-10-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. XXXX and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: AES/PHEAA
State: TN

Complaint narrative:
I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. XXXX and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am able to get a Credit Report from every Credit reporting Agency accept TransUnion. When I call it is as if I am speaking to two different agencies. One person says one thing and gives me a number to call. When I call that number I get different information. In XX/XX/XXXX ; I tried to view my credit reports via XXXX XXXX XXXX. I was able to view reports from XXXX as well as XXXX but not TransUnion. I phoned TransUnion to inquire about the problem. I spoke with three representatives. Two gave me false information about logging in to the website to view my credit report. The last rep told me he was unable to access my credit report but he asked me if I had a credit card and wanted to verify my E-mail address. He then told me everything that was on the credit report even though he said he could not access it. I emailed XXXX   XXXX XXXX to inquire if I could report TransUnion for possible Fraud. Two weeks later on separate days, I received two letters from TransUnion stating I needed to verify my personal information. The first letter was three pages long front and back. The second was one page front and back and looked as if it was a copy. Both had the same information but different file numbers to inquire about. I discovered in XXXX that I had been a victim of Identity Theft. I believe someone at or affiliated with TransUnion is responsible as well as a former employer. I was asked to call with this file number on the three page letter from TransUnion : XXXX mailed from XXXX Alabama Permit No. XXXX.The letter that appears to be a copy has the file number : XXXX US Postage Paid 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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: FL

Complaint narrative:
Creditor : TD BANK USA/XXXX XXXX. Account # : XXXX, account ID : XXXX. I recently filed a dispute directly with the creditor and requested an investigation into the account as I found multiple inaccuracies being reported in my credit files. The specific inaccuracies are shown in the attached letter mailed to the creditor. I also contacted the creditor via phone and a representative named XXXX, explained that this account was very old and no information could be verified. My best option was to mail a letter because it would take about 30 days to conduct the investigation since information was unavailable in the computer. If the representative is telling me to mail in my dispute, and that it would take 30 days to conduct an investigation into the account, why was a letter sent to me by the creditor within 4 days of receiving my dispute? Upon receiving the attached response from XXXX XXXX dated XX/XX/2018, the specific items mentioned in my original letter to XXXX  for this account continue to be reported inaccurately. In other words, nothing has been corrected and XXXX continues to verify inaccurate information as accurate to the credit bureaus. XXXX is just trying to maintain inaccurate negative information in my credit file because they work with the credit bureaus to profit off of negative information. 

TD BANK USA/XXXX XXXX has not conducted a legitimate and reasonable investigation as required by the FCRA. TD BANK USA/XXXX  XXXX should be held accountable for violation of federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: IL

Complaint narrative:
After disputing an extremely old out dated XXXX account that suddenly reappeared on my Equifax credit report, Equifax erroneously determined that the information was appropriate and verified that the information being reported was correct ( with, as stated by Equifax, " minor corrections '' ). This account was closed and discharged by XXXX close to a decade ago ( XX/XX/XXXX ) and has no business being reported on any of my credit reports. The payment information being reported by Equifax is an outrageous fabrication. Particularly, that I made monthly payments to this account from XX/XX/XXXX through XX/XX/XXXX and then there being reported that I stopped making payments starting in XXXX of XXXX through XXXX of XXXX. There has been absolutely no payment activity on this account during this period of time at all! Therefore, this is a blatant and flagrant violation of state and federal laws. To further prove their incompetent reporting, Equifax erroneously reports that the " Date of Last Payment '' was " XX/XX/XXXX '' and then also reports the " Date of 1st Delinquency '' as also being " XX/XX/XXXX ''. However, I have made no payments to this account for over a decade now and the account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Go Capital Holdings, LLC
State: IN

Complaint narrative:
In XXXX, I opened an account with Go Financial which is now XXXX. In XXXX, I went to trade in that vehicle while being promised by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH that the remaining balance from my other carwould be taken care of. XXXX  XXXX paid the balance off, 45+ days late. Now my credit report shows 2 late payments in XXXX and XXXX XXXX from Go Financial because the account was still in my name somehow even after I traded the vehicle in. I have contacted both XXXX and XXXX XXXX dealership to fix this but nothing has come of 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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
On XX/XX/2018 I a toll by mail toll booth on the XXXX bridge. I never recieved any bills by mail. On XX/XX/2018 I recieved a collection letter from Transworld systems requesting {$110.00}, {$17.00} for the toll and {$100.00} violation fee. I called Transworld to dispute this charge. Today I recieved a letter from Transworld stating dispute is resolved and that I do owe {$110.00}. 

My dispute is with XXXX XXXX XXXX XXXX for not sending any bills. I have tried to contact them directly to no avail. 

I have gone through the same toll booth on two additional times,XX/XX/2018 and XX/XX/2018. I have not recieved any bills. My fear is that I will be receiving additional collection letter from Transworld in the future.

Company response to consumer: Closed with explanation