vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX My balance on my Bank of America credit card ending in XXXX was {$22000.00}. It said " CURRENT BALANCE {$22000.00} ''. I paid {$22000.00}. I signed on to my account yesterday ( XX/XX/XXXX ) to find that the same day ( XX/XX/XXXX ) that the bank also charged me interest of {$440.00}. I figured it may have been a timing issue or something and the bank would correct it. I went through the online chat - where she was telling me that I was due the interest and we were not communicating well. So, I picked up the phone and called. I spoke to a woman that told me I had to have my account paid off for 2 months to avoid the interest - this was the most ridiculous thing I had ever heard. I asked for her manager. The manager, Ms.XXXX  got on the phone. She told me in order to get a pay off balance I needed to call. I told her that my statement clearly said my balance. The cut off date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX. My balance was my balance and I should not have been charged interest because it was paid in full. She said that on page 2 of my statement under the caption of " miscellaneous '' it said that I needed to call for my pay off balance. I made my dispute known. It wasn't until I hung up finally that I read the " miscellaneous '' section she pointed me to. This has nothing to do with what she was saying - it had to do with promo interest rates. Mine was not a promo rate at all. 

MISCELLANEOUS - Promotional Rate End Date : This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 

The most sophisticated or non sophisticated customer will assume that if they pay their balance in full by the cut off date that there will be no additional interest. I feel very taken advantage of. From everything I have read online if I pay my current balance stated I should not be charged additional interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I am very frustrated at this time, my concern was not properly handled by Equifax, I've been writing letter for months and now did not get a clear explanation as to why they keep on saying the accounts were verified.Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information.. All claims true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable laws and requisite standards. The accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX payment history were incorrect, false and error in reporting. Charge off with balance? is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When we got divorced in XXXX we had two rental properties with mortgages through Chase mortgage. On XX/XX/XXXX and XX/XX/XXXX my ex-husband forged my name on two loan modifications and Chase put both of these loan modifications in place. I found out about these forged signatures last year and have gone through several avenues to try and get it correct. The latest early in XXXX I talked to XXXX in the escalation department he said they would investigate. The next day he called back and said he was not allowed to discuss it with me anymore, but suggested that I have my ex apply for a loan assumption. ( I suggested that to him with no response. ) I had asked XXXX, and have asked again in writing 3 more times, what would Chase recourse be if he doesn't apply for an assumption or if he doesn't qualify. I have also asked the same amount of times, what is Chase 's process to verify signatures. It is obvious it is not my signature. I have gotten no answers. Yesterday I got a letter from Chase saying to contact them at XXXX. So I did. They questioned why I said it was a fraudulent loan. So explained again what had happened. I again asked my two questions ... what is their recourse if my ex doesn't get a loan modification and what is their process to verify signature on loan modifications. She told me she didn't know the answers to those questions and would have to ask underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Blocked my account for 3 weeks for total of 27 times. Wish to complete terminate the account by filing complaint with XXXX  but unsuccessful. Their financial review teams always busy, and for transaction dispute is even worse, they took my response as merchants response and closed the dispute. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I was looking at XXXX XXXX online and wanting to buy a song. Next thing I know I am getting a monthly charge to my bank account via my bank debit/credit card going back to 2018. I disputed this first round of charges with XXXX and after several lengthy phone calls with my Chase bank and XXXX they canceled the recurring charge and credit back f the monies. So I thought the issue resolved and the recurring charge was handled. 

Then I was reviewing my bank statement this month and discovered they have restarted the recurring charge. The only reason I didn't catch the charges is that I have multiple online subscriptions the auto debit my account like XXXX ... of whom are authorized ... and who are for the exact same amount {$9.00}. However, this time I did not even go to the XXXX website nor access their music services or library. I explained this to the XXXX representative that It could be ascertained by XXXX that I had not and have not been to their website nor had I used their XXXX services at anytime!!! 

In short, at NO TIME did I ever authorize, sign-up or otherwise even visit the XXXX website. I contacted XXXX this month ( XXXX ), a second time, and the agent I spoke to said she could credit back two months services and cancel the account. I asked to speak with someone with more authority, as I wanted all the fees they charged me refunded, and the XXXX representative said that was all she could do. 

In summation, I am requesting a full refunds of all the monies charged to my bank account. In addition I want to lodge an official complaint that I believe that the way this service was added and then billed to my account was done deceptively and as a predatory practice. I think they intentionally get you to click on something to agree to them billing you each month and you have no idea you signed up for anything. Then when you find out they are billing you and you want to dispute it they make the process difficult and time consuming so that when the agree to cancel the account and only refund some or none of your monies you reluctantly agree as you have no real recourse except, Thank XXXX!, that we have the CFPB!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done

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 2019-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done

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 2019-07-27 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: GA

Complaint narrative:
My Equifax credit report have an account listed that are not mine. I disputed the accounts as " not mine '' but it recently came back as verified.. I have never had an account with these companies..Please delete immediately before further harm is done.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. Remove this error, it was never paid late on XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XX/XX/2019 I called and spoke with a representative and informed them that I had medical insurance and that the debt should've never been placed on my credit report. Also, any medical debts should not appear on the credit due to privacy and HIPAA laws which they are clearly violating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Complaint Description : Honda Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. Honda invoiced consumer after the account was closed and paid in full.

I purchased my Honda Lease and all outstanding payments were paid in full at time of the transaction ; I had a zero balance and no late payments. After the vehicle was sold from a Lease and the account closed, Honda invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is Honda 's responsibility to request and collect a refund from XXXX County. 

Honda was not able to provide the prorated amount due until XXXX County refunded tax collected. On XX/XX/2019, XXXX County refunded {$270.00}. To date, I have not received from Honda a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XX/XX/2019 confirmation # XXXX within the terms of the letter. Honda incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my Honda Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please see attachments that reveal the technical problems in transunion 's computer systems.they can not deliver the free annual report.they can not put a report online since XX/XX/2019. 
I'M TRYING TO DO A DISPUTE ON AN ACCOUNT THAT QUALIFIES AS TOO OLD TO REPORT ... YET I LIVE WITH THE CREDIT DAMAGE AS A RESULT OF TRANSUNION 'S INABILITY TO DELIVER A REPORT.I HAVE A NORMAL SIZE ACTIVE REPORT WITH ABOUT 10 ACCOUNTS.THERE IS NOTHING UNUSUAL ABOUT IDENTITY OR THE NUMBER OF QUESTIONS TO GENERATE IDENTITY CONFIRMATION. 
IF TRANSUNION IS GOING TO BE A CREDIT BUREAU THEY SHOULD FUNCTION AS ONE ... THEY HAVE HAD TECHNICAL PROBLEMS FOR 18 DAYS AND I SUFFER FINANCIALLY FOR IT, AS THE NEGATIVE ITEM WILL MOST ASSUREDLY BE DELETED BY TRANSUNION 'S IN -HOUSE POLICY AND THE PASSAGE OF TIME.. 
THE ACCOUNT I WOULD LIKE TO HAVE REMOVED FOR " TOO OLD TO REPORT '' IS XXXX XXXX, ACCOUNT XXXX ... THE DATE OF FIRST DELINQUENCY IS SLIGHTLY BEFORE WHAT IS RECORDED ON THE REPORT AND THE ACCOUNT FITS THE POLICY OF TRANSUNION FOR REMOVAL NOW!

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 2019-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN

Complaint narrative:
At such a young age a made a mistake of signing a lease for a apartment without knowing better, did not have the apartment for not even a month no rent was ever paid, I lost my vehicle and job at the age of XXXX   and could not keep the apt by the time I realized what was going on and how it would affect my future it was too late I would like this please dropped for the reason of only being in possession of this apt for a month and not receiving the right direction of action to take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
XX/XX/2019 XXXX was posted to my bank account. 

I called my personal bank and wanted to get information on what I could do to help myself out, and I was told to call where I got my loan and get to the bottom of it. On calling I was told that even though I took the right steps for the process and tried to revoke my payment with them just because I cant afford to pay them anything until my bank gets back into positive, they denied me any access to support and manager. I would love to pay and never take out a loan again and yet they are making it difficult to even pay them money I cant simply get within thin air. 
I tried to discuss a payment option and plan a week before today and I was told that they do not care about my problems and that I had to pay rent which made me late on a payment. 
I was harassed when I got a call from them while at work it was embarrassing to have a woman yell out my name in such a disrespectful manner demanding i pay regardless of what I can actually conjure up. In my honest opinion being told hey I dont care that you dont have credit history and youre more than likely not going to be accepted at most places I still need my money. Completely understand the principle of it but being logical I came to you guys for help because they were the only ones accepting of my no credit history. I even let them know that I can not simply just get money from another loaner and bad habits like that is what I intended to stop I see the importance of never borrowing money from money fulled lenders who do not care of my living situation yet money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NY

Complaint narrative:
I submitted a dispute with Transunion through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. Transunion needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to Transunion in the first place.

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 2019-07-27 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I submitted a dispute with XXXX  through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. XXXX  needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to XXXX in the first place.

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Complaint Description : XXXX Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. XXXX invoiced consumer after the account was closed and paid in full. 

I purchased my XXXX Lease and all outstanding payments were paid in full at time of the transaction ; I had a XXXX balance and no late payments. After the vehicle was sold from a Lease and the account closed, XXXX invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is XXXX XXXX   responsibility to request and collect a refund from XXXX County. 

XXXX was not able to provide the prorated amount due until XXXX County refunded tax collected. On XXXX XXXX, 2019, XXXX County refunded {$270.00}. To date, I have not received from XXXX a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XXXX XXXX, 2019 confirmation # XXXX within the terms of the letter. XXXX incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my XXXX Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.

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 non-monetary relief