vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is with my Chase Freedom Card.. A payment was made to that card in error by my ex-wife. We called the day it was made ( Saturday XX/XX/XXXX ) to have the payment rejected however because it wasn't yet showing they were unable to do do. That representative stated she noted the account. We called once the payment was showing ( XX/XX/XXXX ) and they refused to the reject the payment or return it electronically, as they stated they would. They would only mail a check, which takes 7-10 business days. We were told to call back on XX/XX/XXXX to speak to a payment specialist who could help. We did at XXXX XXXX  on XX/XX/XXXX and that payment specialist also would not send it electronically. I asked to speak to a manager and they said they were already a manager and wouldn't do what I asked or transfer me. This payment was made to a closed account and then applied to an existing account without being rejected. To say they can't send it back in today 's digital age is ridiculous. I asked to close my account if they can't help me but they didn't care. This was part of her mortgage payment and 7-10 days is too long to wait when the company was called before it even happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: GA

Complaint narrative:
XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be 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 2020-02-11 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 explanation
Consumer complaint received 2020-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BK OF AMER XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I notified my bank in XXXX that there were fraud charges on my bank account at that time they informed me that there were over {$2200.00} in fraud charges at that time it was told to me that they would refund part of my money and after 90days once the investigation was completed I would receive the rest of my money. Yesterday I received a letter stating that they would only refund {$1000.00}. because that was within the 60day period. I never new anything about 60 days and until they found out the amount no one I talked to said anything, even the people I talked to said 78 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
Transunion- I called them starting the same dates as mentioned above and no results. 
XXXX - I called them and same as mentioned aboved

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 2020-02-11 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: SC

Complaint narrative:
XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
Experian - I called them and same as mentioned aboved

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I went to the XXXX dealership to see what my options were for trading in my vehicle. I was told that only a couple of banks would be checking my credit to see if i am approved. The dealership never mention I would have over 30 inquires on my credit. They never asked for my approval. Throughout my conversation with one of the salesman from the dealership he say bank, assuming 1 or 2 banks. Not 30

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: GA

Complaint narrative:
XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be 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 2020-02-11 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: GA

Complaint narrative:
XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I began receiving numerous phone calls every day at all hours along with letters that said I owed a debt that I didn't believe I owed. I asked my husband to contact them to find out what they were calling about. When he asked them for proof of the debt they didn't want to send it. Finally they agreed to send something. When it arrived it was only part of the story. They left off payments etc that would reduce the amount. They claimed it was what they were given as they had received it from another company and they were the 3rd party. 
When we offered to pay the amount that was actually due they wouldn't accept it and threatened to sue. 
Eventually they somehow got a " judgement '' on XX/XX/XXXX. We were not notified of the time, date, or meeting, whatever they had, for this " hearing '' so we couldn't be represented. 
I don't know how much they have taken in the interim from my checking account because my bank hasn't notified me who has been taking the money, but it has been several hundreds of dollars. 
Yesterday I was told they have somehow gotten an " Order of Wage Garnishment '' at my employers office. This one has a date of XX/XX/XXXX. AGAIN no opportunity to contest it, question it, or settle it. 
These people are dishonest and deceptive in their practices. I have had no opportunity to settle the debt and resolve this. Further, I suspect it has been reported on my credit bureaus again unfairly and incorrectly. 
This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
I've sent a wire transaction of XXXX $ on the XX/XX/2020, to Circle USDC. 

The transaction was rejected by Circle on the XX/XX/2020. 

Until this day I have not got the wire back. My bank account is trying to trace the funds without any success. 

I've opened 3 tickets with Circle requesting for the wire information to track the funds, the company has replied with huge delays and with no real answer other than " We will check it '', they are not providing any updates on what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, offered a Lease deal of 33 month with 7500 miles per year. we drove the car to XXXX  under the impression that XXXX. we now turned in the car and Chase is letting us know that we only had XXXX because the lease for 33 month and not the full year. Interestingly enough when we leased the car there was no 3 year choice for the 7500 miles per year. They are now charging us an extra {$300.00}. this was never explained. As a matter of fact, the dealer even said we had XXXX miles. Chase is the finance company and are hiding behind the fact that it was the dealership 's responsibility to have informed us and to place a complaint. The issue is that the over-the-miles fee are kept by Chase. This seems like an unfair practice and misleading. Chase and XXXX XXXX are hiding behind an erroneous arbitration clause that does not fully define what the actual arbitration clause. I am speaking to a supervisor over at Chase as I write this letter ( ID is XXXX ). She says she has the lease agreement on hand. I asked her to let me know in what state are arbitration is held, and it is obvious the contract does not state where. She referred a website. I am sure that I am not the only person affected by this misleading practice just to be able to squeeze few hundred dollars from consumers. Please note in the contract page 8 # 13. Reads " excess of 7500 miles per year during the scheduled Lease Term. '' Where does it say that based that the loan is for 33 months that we will be prorated. The minimum arbitration fee is {$1500.00}. Therefore, what consumer arbitrate when it would be cheaper to simply pay the fee. Chase has a fiduciary responsibility to make sure that dealers are disclosing properly how their product works. They are ignoring this fiduciary responsibility in order to continue to reap profits from consumers. they are no better than XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
XX/XX/XXXX, submitted a complaint to XXXX  that I paid my loan in full on on XX/XX/XXXX and gave them a copy of settlement document on-line. They did not agree. so re-disputed with email from company showing the balance was paid, to include the signed settlement document. They still refused to mark the load as paid in full showing I owe over {$25000.00} on the loan. 

I have tried to put a statement on my credit report and they will not let me put a statement. The Lender has verified that I owe nothing on the loan. I have requested a letter from them as well because I do not know who XXXX  is speaking with in regards to this matter. It is causing me undo stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
My lease ended on a XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I returned my XXXX   and now lease a XXXX. I payed my property tax on the soul in full. I requested a abatement in XX/XX/XXXX. Over the past year. I have spend hours on the phone. Im on hold for at times 2 hours. I get transferred to different departments and no one helps me. I have faxed requested paperwork 10 times. In XX/XX/XXXX I was promised the abatement was sent. I called today again on hold over an hour. Transferred to 3 different departments and was told. The abatement was filed XX/XX/XXXX. I am totally disgusted. I pay my lease on time but have to wait a year for {$100.00}. May not be a lot to you but I work extremely hard for {$100.00}. Please please help me

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 2020-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX reference my previous complaint. They did complete the IDR for this current year. However, they had me submit my documents for 2013 - current to redo the Idr for previous years as they never suffered nor allowed me to correctly utilize my income for those years as since i incurred the loans prior to my marriage and i have no access to his accounts. I do not have to use his income. They agreed to redo those years, but i have not heard a thing. I am eligible to the pslf loan forgiveness and would be on my 7th year of repayment. I have turned all requested documents. I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to Experian credit services and the following companies, XXXX XXXX XXXX   account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this 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 2020-02-11 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: CA

Complaint narrative:
In 2017 I after answering an ad to earn an income from home. I was contacted by a company who explained how they would train me over the course of 6 months to earn a steady income. At the time I was in and out of the hospital and they were aware of my health condition and said that they would work with me no matter how long as they knew I was limited in my time and abilities. I paid the initial fee of {$8000.00} and began their training. A few days later I was asked to pay for another thing for {$6000.00} and it just continued from there. I was led to believe that I was talking to the same company and when in fact I was not I was actually dealing with several companies and these were all telemarketing scammers. They continued to insist that I needed these additional items to do everything legally right. I am writing because I had not realized I was being taken advantage of I was not aware that this is a common scam among the elderly and I need help. I am unable to reach these companies and they never fulfilled the items that I was sold and what they did was not what was promised they misled me an defrauded me. According to the Attorney General, I understand that Telemarketers are requited to refund any money paid under these terms and it was recommended that I contact your agency since my bank is not honoring this and is dismissive of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
We have a mortgage with PHH ( was with Ocwen up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our XXXX XXXX, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: OH

Complaint narrative:
I have submitted multiple disputes along with Identity theft reports/police reports to Equifax for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!

Company response to consumer: Closed with explanation