vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 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: PA

Complaint narrative:
XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. 
On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. 
Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. 
I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received a {$100.00} prepaid giftcard that was stolen and {$93.00} of it was spent. I opened up a dispute to try and get the money back on my card and waited 90+ days. I called several times and was told that the funds were cleared in my favor and would be back on my card this past week. I looked at my account and there was nothing there. I called and got the same canned response saying it might take 45-60 days when it's been over 90.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06 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:
The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted chase bank XX/XX/2019 and they still have been holding my {$1000.00} cashiers check for over 3 weeks and will not release my funds to me and they have closed my account. My account was closed due to no reason and it was a business account. I need my {$1000.00} returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: FL

Complaint narrative:
The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.

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 2019-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have started a Loan Modification in XXXX and Freedom Mortgage Keeps asking for unusual documents or they keep delaying the process. Such as they asked for my year to date breakdown of my business documents such as profit and loss and I sent that to them just as they asked and then all the sudden they wanted it broken down in month to month and that was not how they worded it on their paperwork and they had involved their attorney saying that I did not get the paperwork back to them in a timely fashion. So when they involved their attorney I told her that I send them the paperwork immediately, that I do not wait, they claim they never receive it so I have been working with her in the mix since XXXX showing her that they loose everything that I send them. Their attorney gets it and they claim not too. When they ask again and I send her a copy of the paperwork she pulls the paperwork I have sent and then in turn sends it to the underwriters. I am not sure why they will not approve our Loan modification and why they are trying their best to take our home. I have produced paperwork that they think I possibly can not produce and I get it. They recently have asked for paperwork about our food stamps card and what and where we spend our money on the card like we lie about it. So I literally had to get a listing of the places that I shop for our food and how must is spent at each and every store and what is bought at each store. This is degrading. My husband got sick 2 years ago after having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they were told that. We have had a hard time with payments and have asked for help. This year a customer, since I run a XXXX XXXX, stole {$13000.00} from us and it put us very far behind, but they will not help us. They keep pushing us further and further behind. Like they want to put us on the street. My husband was just diagnosed with XXXX XXXX and now they want us to be put out. Freedom Mortgage is the worst company I have ever had to deal with. Please keep any other veterans from having to deal with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I applied online and I was approved for {$800.00}. I have started to pay back the loan on a biweekly basis in the amount of {$140.00} I can not afford this payment. As well by the time I done I will have paid {$1400.00} for a {$800.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I applied online and I was approved for {$970.00}. I have started to pay back the loan on a biweekly basis in the amount of {$300.00} I can not afford this payment. As well by the time I done I will have paid {$4000.00} for a {$970.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan restricted my checking account ( my money, NOT theirs ) twice for no reason, however, they thought it was reasonable to restrict. It happened on Wednesday, XX/XX/2018 and again on Friday, XX/XX/2018, which were very close to XXXX shopping and XXXX gathers. It had been extremely XXXX XXXX, with my XXXX XXXX. I had been struggled to save this checking account due to direct deposit, debt relief payments, mortgage payment, XXXX, and others. It had been VERY hard to make the phone calls and change the payments due to my XXXX XXXX. Also, when my checking account was restricted on Wednesday early morning, XX/XX/2018, I called JP Morgan 's Customer Service, at XXXX, however, they won't help me as well as they strongly did NOT accept the interpreting service. With XXXX   XXXX, I tried and tried and tried to explain them about my XXXX  XXXX and to desperately need their help to save my checking account, however, they stubbornly didn't accept the interpreting service. It had been EXTREMELY frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested all three, free annual credit reports. I was able to receive reports from XXXX  & XXXX. 

I was unable to get Experian report although I used the same exact information to get the other two reports. 

Every time I filled in the address information, I always got a message saying ; 'address is not the same as when I requested freeze on report '. 

I have freeze 's on all three reports but Experian was the only one that refused my request. 

On the free report form, they request 'my current address ' which is the same I gave XXXX   & XXXX . When I gave the same address to Experian, it always gave me the message above. 
Even when I inserted my previous address, I was still unable to get my report.

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 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LendingPoint Holdings LLC
State: IN

Complaint narrative:
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX  Chase offered a card with free points offer. Their representative told me the fee for the card would be waved for the 1st year. I went into specifics with their rep on how long i had to keep the card to get the points I was told i could cancel after 6 months and receive the points Much to my surprise Chase billed me a {$95.00} annual fee I disputed this charge ... .and appear LOST in their system They called me and told me they were escalating looking into this Many cards wave 1st year fee. And I was told by Chase this card would as well. It even stated that in their online advertising at the time I applied This is a matter of principle even more than this fee If Chase told me the 1st year fee would NOT be waved, I would never have requested this card Chase obviously shows little concern for their customers. I would do business with other banks before dealing with Chase again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A couple years ago I used Sears ' financing to purchase a couple items at the store. I paid off the final amount in XXXX. 

Since then I have twice received notifications that my Sears card is being upgraded to a Mastercard credit card. The notification says this will happen automatically unless you go online or call to reject it. I have not been able to complete the process online and I had to wait on hold for 10 minutes to complete the process by phone. 

I expect they will keep sending these periodically. Are they allowed to do that? I think they should be told to desist from trying to push people who did store financing into having a credit card that they never requested.

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 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In contravention of Section 301 of Public Law 115-174 ( Amendment to the Fair Credit Reporting Act ), my Equifax credit report does not show my current fraud alert expiring on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX out my credit card balances monthly.

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 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called XXXX .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through Transunion for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for XXXX. Phone # XXXX.Thankyou sincerally XXXX 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 2019-01-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX THE {$4600.00} Reporting on credit report fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06 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: NY

Complaint narrative:
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.

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 2019-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: ERC
State: IL

Complaint narrative:
I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My account was being closed by Chase because they site " continuing business with me creates repetitional risk '' A letter detailing this was mailed XX/XX/XXXX. Since then I have contacted Chase and all they say is that they don't have exact information regarding this and to contact the executive offices via FAX.

The account is due to close XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
As of XX/XX/2018, or mortgage was transferred from XXXX XXXX XXXX, to Shellpoint Mortgage Services. XXXX S.C.XXXX First of all, we where never informed of such a selling and subsequent transfer, of our mortgage to Shellpoint Mortgage Services . This took place sometime in XX/XX/2018. 
Second, ever since our mortgage was transferred, we have noticed many distressing problems, from ; receiving our payments on time. Also our Homeowners Insurance company XXXX XXXX XXXX, made contact with me via email and phone call, informing us Shellpoint had failed to make the homeowners insurance payments. These had to be made in XX/XX/2018. We had no other choice but to provide XXXX XXXX XXXX with our XXXX XXXX  Credit Card, and make payment, since it was already way past the allotted time, of payment for our homeowners insurance. Please notice we have these payment in escrow. Therefore there is no reason for Shellpoint not make  these payments on time..! 
I already have made contact with XXXX County homeowners Real Estate tax account, to make sure the county, has received their Real Estate Taxes on time. We are awaiting for their clarification at this time ...! 

Since Shellpoint has not kept up with properly servicing our Mortgage, I have requested many times, ever since XX/XX/2018 for clarification. Every time I would call, there was a very long time being on hold through their Customer Care phone number. 
When ever I was able to communicate with their staff, it was someone who had no authority to help with the situation and would take my phone number, to have someone call back with a solution. No one would take the time to call us back, at all. Since the problems just keep mounting, we have decided to file a complaint about this ongoing situation. We truly believe the only way to resolve these, and future issues, with Shellpoint, is to have our mortgage returned to the original mortgage service, through XXXX XXXX XXXX in XXXX, IL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation