vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Freedom misrepresented crucial acts of the money transfer by not telling me that they would not honor the normal thirty day payment period for regular transactions and start collecting interest immediately at a very high rate -- they are incredibly dishonest and misleading. I have repaid the amount in full within two weeks when I learned of this and want the charge for their fraud returned to me. Their employees officious snarky attitude drove me up the wall. I had recently changed my checking account to Chase -- it's obvious they are not the sort of people with whom I want to do business. I want everyone to be warned about Chase fraudulent misleading banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : CitiCard Credit Bureau Dispute Due To Hurricane XXXX ... 

Below is my most recent communication to CitiCard ... To date, they are unable to assist me because their teams were not trained on how to handle XXXX related situations / cases. Can you please assist? 

As per my discussion with Account XXXX XXXX on XX/XX/XXXX ; please review the notes on my account to expedite the removal of the late payments from XX/XX/XXXX and XX/XX/XXXX. During these 2 months, I was directly impacted by hurricane XXXX and had no power for several weeks. Since my home is located in an area that was declared a federal disaster area by XXXX, I was reassured by your team that I would not incur any late fees, penalties or be reported as late with any of the credit bureaus during this difficult time. 
As of today, all three credit bureaus are reporting these 2 months of payments as late. Can you please remove the late payments and kindly update all three credit bureaus today as I am currently in the process of selling my home and can not qualify for a mortgage until this has been resolved. 
Once both late payments have been corrected in your system, can you please fax a letter to my mortgage lender confirming the removal of such and kindly confirm that ALL three credit bureaus have been updated accordingly. Correspondence should be sent to : .. 
Thanking you in advance for your time and assistance with thisHave a wonderful evening! 

Kindest Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: TX

Complaint narrative:
I am resubmitting my complaint cause as of your last response you are closing the complaint XXXX about CITIBANK. Not sure why close it unless this is the process. CITIBANK is lying. see informaton. 

I purchased a plan from sealand travel in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with XXXX in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called XXXX back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that VISA had the merchant money. They informed me and the merchant that they would have to get in contact with VISA. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let VISA know the money needed to be cleared but that was all they could do. 

As of XX/XX/2018. I have spoken with the merchant, they have not received any money. They spoke with their bank, the bank has not received any money. Citibank sent me a letter and email explained the reverse charge. I called Citibank again XX/XX/XXXX, I was informed by their rept that an investigation has been open caused THEY HAD NO IDEA WHERE THE MONEY WAS!!! THEY INFORMED ME THE LETTER WAS INCORRECT. So I feel Citibank is still lying. I am paying them for money that has not beenb sent out. The merchant has no money from citibank. I even get citi bank and the merchant on the phone together and the same results. XXXX banks comes back with they have to look into the matter. How many other people are they stealing from?? Yes stealing. I am paying them for something that they can not explain. Why not get the money from the merchant and send it to me? The merchant even told them to refund me!! So no this is not exceptable nor is it the truth., Again I have spoken to them several times and they can not produce anything about the money. Why not let me speak to the merchant bank. 

I mistaken put XX/XX/XXXX on previous letter I sent you. I spoke with them XX/XX/XXXX with merchant.

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 2018-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2018-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My own son did a lot of Dammage by knowing my name address age and soc.Securiry # XXXX. I can't trust the WEB. site However I have all this infomation now for you to save me. 


Original creditor : CAPITAL ONE BANK USA N A Overview You've paid off 0 % of your collection amount. 
Balance {$470.00} Highest Balance {$470.00} Opened XX/XX/2015 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name CAPITAL ONE BANK USA N A See an error? 
You could dispute an error with XXXX. 

GO TO XXXX  Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Premier Student Loan Center
State: CO

Complaint narrative:
My daughter graduated from college in XX/XX/2018 and XXXX claiming to be from Premier student loan center called offering student loan forgiveness assistance. The phone # she called from was XXXX and her voice mail gave a different name, XXXX. XXXX requested my daughter and I pay XXXX for the next 6 mons each and then after six months I would pay XXXX a mon and my daughter would pay XXXX a mon saving us XXXX in student loans and interest. We believe this offer was legit and she used scare tactics urging us to accept the offer now because XXXX is trying to shut down this program and I will have to pay XXXX a month and my daughter would pay XXXX a month plus XXXX in interest. My daughter provided her bank card info to hold the offer and I gave her our FSFSA confirmation #, so now they have access to all our info SSI #, DOB, tax  information and etc. She took the XXXX when they promised to wait on us to give authorization. They preyed our vunerability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I paid off my loan with Pennymac Mortgage and they continually refused to return my original loan documents and original signed promissory mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is still reporting 3 accounts in a NEGATIVE status that I filed Chapter XXXX Bankruptcy on. These debts were discharged in my bankruptcy. These 3 NEGATIVE accounts have caused me to have a LOW credit score. 
The accounts are : XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-08 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: NV

Complaint narrative:
XXXX XXXX Over 15,000.00 worth of fraudulent charges were placed on my account by a merchant that used a company called XXXX  and XXXX to Spoof fraulent charges placed upon my bills that appeared to be legitamate after hiring a private investigator we found out this was done by XXXX XXXX and an internet identity crime ring located in XXXX XXXX Nevada. They hit all my credit cards and all of my credit cards investigated the frauds and removed the Fraudulent Unauthorized Charges. 
However one creditor despite sending them over XXXX pages of supporting documentation has dragged its feet for 4 months and as of XX/XX/2018 now refuses to remove the fraudulent charges despite having a zero liability policy for fraud. They initially showed a balance of XXXX which is because it took 3 months from the time the fraud began for me to discover it and I paid for charges that were for products or stores that didnt even exist. 
The creditor is Synchrony Bank which issued me XXXX XXXX Mastercard, I have refused to pay for these when I discovered I already paid for a significant amount of the Fraud and the creditor is showing 30 and 60 day derogatory entries in its data it furnishes the Credit Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian lower my credit score due to an inaccurate payment status that was made by XXXX XXXX in XX/XX/2017. XXXX XXXX has corrected my positive payment history and Experian is still refusing to recalculate my credit score as raise it back to the status that is was in before this inaccurate, negative information was place on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: MS

Complaint narrative:
Equifax is reporting an inaccurate credit limit on my XXXX CARD account. My credit has been increased to {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: MS

Complaint narrative:
TransUnion lowered my credit score due to inaccurate negative payment history that was inaccurately reported by XXXX XXXX. XXXX XXXX notified TransUnion of the inaccurate, negative payment status that was reported and they also corrected the error. 

TransUnion has still refused to correctly report my positive payment history with XXXX XXXX and has not raised my credit score back to the very good status that it was ( over 740 ) before this negative, inaccurate payment history was placed on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. 

Please resolve this manner as soon as possible. 

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 explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/2018, {$7200.00} Asked the company to verify the debt. Nothing received. 

They claimed they purchased the debt ( pennies on the dollar ), they want me to pay that amount so they can remove it from my credit report ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Hi name is XXXX XXXX and I have been disputing with all three credit bureaus in regards to a Mark that is on my credit report that I find unfair reason being because I was not able to qualify for the company and the first place and I have a paper that says I was not able to even be approved for credit with the company and I have tried talking to the company as well as the associated company that's had sold me the device for the account that I'm speaking of and they are no longer even business the store had closed so I can not get a copy of the receipt I have a current copy from before but the ink has faded I don't know if there's any way to recover the ink from the receipt but I do have it and I do have the paper that states I do not qualify for credit with that company and I have show them to all of the credit bureaus and that account is still on my credit report and I don't understand why it's still on there when I didn't qualify in the first place as I said so I came to you too seek further help in regards to removing this from my credit report the company is called Diversified Consultants they are a collection agency and which XXXX has since my account that I had told you all that I don't qualify for to them but if you have any questions you can call me at XXXX XXXX thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: CA

Complaint narrative:
XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America credit card has allowed continual fraud and then ignored andhas continually ignored my disputes and requests for action. they have reported me negatively while this is in dispute, harassed me and not done anything to assist or rectify this matter. they have violated and continue to violate credit card rules and regulations that I'm in agreement with and they have nopt proplery handled this dispute or redit card processes. I want this account removedand this to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This is getting old. I have disputed XXXX XXXX more times than i can count. Experian is the only company that does not review disputes. The information being reported to them is unverifiable and erroneous. It keeps coming back as verified. Can i please get the proof that an actual investigation took place. How can incorrect information be verified. Its not possible but yet again shows verified. Its unverifiable. False information is being reported. This was investigated and removed from XXXX and XXXX  a long time ago. How come two out of three credit bureaus investigation led to immediate removal upon completion of their investigation. Experian is maliciously keeping this unverifiable data on my report causing me to get denied credit and or be charged a higher intrest rate. I feel like i might need an attorney at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was negative from bounce check I clear the negative balance they won't let me access my funds nor close my account and mail me a check

Company response to consumer: Closed with explanation