vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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: FL

Complaint narrative:
Hello, like most people, I lost my work due to the coronavirus, and have been contacting my credit card companies -- Chase and XXXX XXXX XXXX -- for support. I have very good credit, and by support I mean I asked them to extend my 0 % interest rate for a few months, so I could continue to make payments but lower than what I had been so I could pay my dues without getting deeper in the whole. 

I tried calling the company for assistance, but you can't get through to a person. They keep directing people to online support, and the only option is to defer your payments and continue with high interest. This doesn't help. I tried sending a secured message but others who have tried said they were turned down. 

The banks are acting like they are helping customers with three deferred payments due to the coronavirus, BUT most -- like these banks -- are still charging high interest on the balance and profiting off of people who are suffering. Even the government is lowering interest to 0 % during the crisis. The banks should be called upon to do that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Hi, there was a XXXX collections dated XX/XX/2017 with the original creditor being XXXX XXXX and subsequently sold to Allied Business Services. During the phone conversation with them, they agreed that this collections would be a pay-to-delete. However, they have only relayed " Paid and Closed '' on my credit reports. I have relayed these messages to Allied Business Service and they are insisting that they do not delete from credit reports. I have also disputed this with the appropriate credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
A charge was made on my account after I told them to block all charges. 
there was an alternate credit card number to be used on file on Amazon.com, but Amazon chose to charge my Amazon store credit card instead.

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 2020-04-16 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: KY

Complaint narrative:
Dispute # : XXXX On XX/XX/XXXX I made an online purchase for {$1000.00} from XXXX - reclining sofa, and paid the purchase with my Citi credit card. The merchant made 2 delivery attempts. Both times I refused to take the sofa because it was damaged. After repairs third delivery attempt was not made. I was not able to make any arrangements to get refunded from the merchant. Then disputed with Citibank on XX/XX/XXXX. I received several letters from the bank to provide additional information and I replied to all of them, including pictures of the damages and copies of the delivery documents. Then Citibank closed the dispute in the merchant 's favor despite I dont have the item nor refund. I am very aggravated because Citibank is conducting their investigations careless and they are not protecting their customers. Contacted their executive management team but the answer was the same.

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 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX I sent payments to an individual through XXXX in my JP Morgan Chase Bank account app. I never received the item or a tracking number indicating that the item had been sent and the seller stopped communicating. I also received a notice through the website the ad I was responding to had been flagged as a scam. When I sent the payment, I did receive a warning to not to send money to people you don't know. Unfortunately, I believed the seller 's legitimacy and identity had been independently verified through a third party, only to find out after I sent the payments that the third party hadn't actually received the confirmations yet. 

I contacted Chase to report the issue, and see if they could reverse the payment or help me recover my money. First, it took me two days to even contact someone that could even answer my questions/ deal with this issue. This is when I discovered that even though Chase integrated XXXX into my bank accounts and banking applications, XXXX is actually a separate business not directly connected to Chase. This was not disclosed to me in any obvious fashion when I went to use XXXX for the first time for this incident. A big part of the reason I was comfortable sending the payment was the false sense of security that the funds were being sent through Chase bank and therefore would be traceable, recoverable or be otherwise disputable. I basically thought that this was a form of payment similar to using my debit card. I also thought that with XXXX being part of Chase ( as I thought at the time ) that the the seller would also have to have an account with Chase, further enhancing the ability to recover the funds in case of fraud/scam. 

Upon further research after the fact, I discovered that XXXX is a favorite tool of scammers because of the fact that people don't understand the true nature of their relationship with banks and because people trust that transactions through their bank are safe. Also there is no way to trace funds because XXXX acts as a firewall beyond which the bank can't see where the funds go. This has been a known issue for years as a simple XXXX search turns up news articles about this issue from as far back as 2018. 

When I contacted XXXX on the advice of my bank, they basically told me " too bad so sad '' and that I should deal with my bank. There wasnt even a way to report fraud with XXXX. When I finally reached a customer service rep, she said they would investigate the issue and if they found evidence of fraud they would shutdown the users account. When I asked if they wanted evidence of texts, emails and witnesses, they said No and that it had to be evidence in their system. In other words they probably wont even shutdown the scammers account. They didnt even offer to make a police report or try to help me recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc.
State: MA

Complaint narrative:
As part of our home refinance, we received information from XXXX XXXX that TESLA XXXX had reported an outstanding balance on our account of $ XXXX report appears on my XXXX Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with TESLA Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from TESLA showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at TESLA mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from TESLA to my repeated inquires.

In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by TESLA that is not a current obligation and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I have 2 issues with this debt. 1. i wasnt notified of this bill. Im not sure what address that they sent this letter to if it was sent out since i am at a new location for a while.

2. I have a fraud alert and Identity theft history on my credit report and I do not recognize this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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: FL

Complaint narrative:
XXXX  has not investigated or returned results on an investigation from XX/XX/2020 and has not sent me any correspondence.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ),  the negative financial impact it has had on the student loan borrowers, etc.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX  should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

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 2020-04-16 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. 

I've also left 2 messages since sending the letter with not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made a transaction with XXXX XXXX online and the receipt said I would pay {$340.00}. I got charged {$340.00} on my credit card statement, which changed to {$690.00} later on. XXXX XXXX refunded me {$70.00} and {$170.00} which left a difference of {$100.00} remaining. I disputed the transaction and sent the receipt as evidence and got credited for the {$100.00}. Later, Back of America denied my claim and charged me {$100.00}. Their reason for doing so was, You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount despite me sending them a copy of the receipt twice. I want the {$100.00} charge removed.

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 2020-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank. I had to close an account do to it being a victim of check fraud and open a new account. On XX/XX/19 checks came through to my to my old account and my overdraft protection kicked in. I made a payment from the new account to the overdraft protection. Apparently I should not of been able to do this so the payment was rejected and since the old account was closed it had no where to go and kept getting bumped around. I have talked with multiple people at TD bank everyone agrees the money is lost and no one knows where it went. It is no ones job to fix this at TD Bank. The amount is {$1500.00}. There are several notes on my file and everyone can see the money is lost but no one at TD bank is able to fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing this bill for over a year. I have asked on several occasions for Experian to provide validation of how they verified the account belongs to me. I have not been provided any proof. Also the credit bureau gave the collector my current home address and I was only mailed a bill and threatened to be sued if I do not pay. This is not my bill did not sign any contracts for this account and have not been provided any information proving this is my account. This has caused my credit score to be low and unable to obtain 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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Hello, Ive been going through a rough time and got way behind on my credit cards and a company Rubin & Rothman , LLC XXXX XXXX  XXXX XXXX NY. XXXX is sending collection letters and garnishment letters to my employer. I understand if they send to my payroll dept, but they are sending certified letters from the Sheriffs dept, directly to my office so that my employees see it because it is not addressed to me. This is embarrassing and I dont believe it should be allowed.

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 2020-04-16 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: FL

Complaint narrative:
Hello, I am one  of the many who lost most of their income due to the pandemic. I have excellent credit but I can't make the huge payments I have been making, so i tried calling Bank of America to get the 0 % rate extended. Since the XXXX are doing this, so should the credit companies. I couldn't get through. The automated system said I could defer three payments but the very high interest would still be charged when my 0 % fee ran out. I had planned to pay off the card by that time, but with the pandemic that isn't possible. The XXXX reported that Bank of America wasn't giving customers an interest rate break.

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