vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hi, I am writing with a complaint about Chase Sapphire Reserve card benefits. The card is advertised as having travel insurance as one of the free benefits on the card, it is advertised to protect the covered cardmember and his/hers immediate family members while in a scheduled common carrier trip and also for 30 days from the beginning of the trip that the airline tickets were purchased with on this card. My sister has passed away while on a trip that the airfare was in full paid on this card, from a faulty sidewalk by sustaining a brain injury within the 30 days of the covered trip. Less than a week after this accident I have contacted chase 's outsourced company XXXX XXXX it has been already more than 4 months and they still have not sent out the payout for the accident, they try to slow down the process as much as they can. All of the required documentation has been sent out in the first weeks. The biggest problem right now is that the XXXX  agents call from unknown numbers ( taking into consideration that they always send email to notify if any additional documentation is needed or if there is a change to the claim ) and try to fool me and say that the claim should have already been denied and make up fake rules of the benefits that are not listed at all in the guide to benefits to make people give up on the claim. In our case, all the terms and conditions are met. To make sure that the agent was lying and misleading us we called the Benefit administrator with a recorded call and asked about the benefits- he confirmed that we meet all the terms and conditions and saying exactly what is advertised by chase that any trip with purchased airfare up to 30 days is covered if there is the accidental loss of life. With it being almost 5 months since the claim is initiated and it being so hard for us- it is immoral to trick people to deny them the claim, please investigate this! Such a phony business should not be associated with Chase and if it is, don't advertise the benefits that XXXX  will try to trick you out of! The Chase Sapphire Card that costs {$550.00} per year is advertised as a first-class travel card with the best travel benefits - with this kind of service it is a misleading statement and a lie. By advertising this they are committing fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX. Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 Walmart sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from Walmart/XXXX XX/XX/XXXX stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 XXXX  sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from XXXXXXXX XXXX  stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX  unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-09 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC

Complaint narrative:
I am an XXXX resident and I hold a mortgage with Citadel Servicing for a vacation property in XXXX XXXX XXXX. I have held this loan for almost 4 years. I always pay my payments on time and without issue. However, this becomes very difficult when the lender does not provide sufficient notice of the intent to alter mortgage payments. 

I received notification on XXXX XX/XX/2020 of the intent to increase my repayments with effect from XXXX XX/XX/2020 as a result of an increase to the escrow. I note that the letter confirming the increase was dated XXXX XX/XX/2020. 

Our postal address is an XXXX address. 

My complaint relates to three matters : 1. We are not able to increase our mortgage payments on XXXX XX/XX/2020 if we are not advised until after this date. I am concerned that this will impact my credit rating and that I will be charged a late fee. 

2. The justification for the increase in escrow in unclear. Please provide further explanation as to the reason for a {$120.00} per month increase. 

3. Our escrow costs increased last year, resulting in the same poor customer experience in lack of adequate notice. I was advised at the time that this matter had been escalated and would not be encountered again. Citadel is not providing adequate notice and this needs to be addressed. 

I contacted Citadel on XXXX XXXX, the day I received the notification asking for them to contact me as a matter of urgency and to treat my contact as a complaint. 

To date, I have not received a reply. The only contact I have received is an email from an unmonitored email account advising that my mortgage payment had not been received ( which it has, it is just less than value of the increase rate effective XXXX XXXX ). 

I am seeking your assistance in order to address a systemic issue with this organization and to improve the communication methods they employ.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called Chase bank two days ago and they told me they was closing my checking account I have had with them for two In a half years and I have been in good standards with them and I asked why they wouldnt give me a reason and just said they no longer wanted to do business with me now I get my unemployment payments every two weeks direct deposited in my account and they will not let me get my money I contacted unemployment and they said they couldnt reverse it because it was sent to the bank all I want is my money Im behind on bills do to the covid19 this is so unfair and Im one of many they are doing this too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake. 

As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}. 

In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas. 

On the third call I was left on hold for over 15 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
My problem is Continental Finance who supports XXXX Credit Card manipulates payments and posting. I was told that my payment is held for 7 days before posting, which is not true. I had a double charge which was suppose to credit back to my account which has been sitting there for 13 days as of today. I understand they are helping me rebuild my credit, but they need to practice what they preach.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Summer I became behind on our mortgage payment while in chapter XXXX. We lost 2 subsidies for XXXX children in our care. In XXXX we were able to get back on track. Been paying monthly since. In XX/XX/2020 we received a letter from PHH attorney demanding {$17000.00} with in 10 days or they would release us from our bankruptcy and foreclose on our house. We are XXXX  parents with XXXX babies and also XXXX children we have XXXX  through XXXX  XXXX. My husband and I are essential workers so we continued to work through the pandemic. It was a difficult decision to continue working taking our health and our childrens health at risk. Now PHH wants a large down payment and we have 6 months from that point to pay it off. Are hands are tied but what can we do. We tried to get it stretched further but to no avail. Our bankruptcy attorney wants us to get a third party to help us but with all the layoffs no one we know is in a position to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Couldnt link XXXX account with Pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM STILL HAVING A PROBLEM WITH EXPERIAN BOOST AND OTHER REPORTING ISSUES. I HAVE MADE MY XXXX XXXX PAYMENT TO QUALIFY FOR THE BOOST TO INCREASE WHICH IT HAS INCREASED.. HOWEVER EXPERIAN BOOST AGAIN DID NOT REFLECT MY PAYMENT TO INCREASE MY FICO SCORE AGAIN. I ALSO HAVE SETTLED 1 ACCOUNT IN FULL. XXXX XXXX  FOR XXXX ON XX/XX/20 AND EXPERIAN REFUSES TO UPDTE MY ACCOUNT.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
The first week of XX/XX/XXXX, I completed a Telephone Application with XXXX of Owning Corporation for a home refinance. On XX/XX/XXXX, I was contacted by XXXX ( Loan Processor ) and was asked for some of the same information that had already been provided to XXXX. On XX/XX/XXXX I was asked by XXXX about a XXXX Lien on said property, I informed her that that issue had been settled in XXXX. I then had to at her request provide proof. First I found a copy of the dated XXXX check to the owner of that loan. This was still not enough. Then I followed that with the specifically requested settlement statement that included that transaction. There were many moments of concern during this process. Even at document signing with place and date discussed the initial signing did not occur on XX/XX/XXXX. After my reaching out for explanation, it eventually took place on XX/XX/XXXX. Curious, the Notary only had copies of " Notice Of Right To Cancel " but did not provide copies of documents for us to have during this period. On XX/XX/XXXX I received the most incredulous request from XXXX. She requested my spouses work information for verification. I was dumbfounded as this is Day One information provided. Then we were back to the lien of XXXX. Finally this, " signed loan documents have expired " due to the unresolved XXXX lien. I had earlier challenged this inquiry due to the fact that we had been serviced by XXXX XXXX XXXX, XXXX  XXXX XXXX and presently XXXX XXXX since XXXX and this was not an issue with their servicing the loan. We feel bias has a role in this. This has been an unbelievable process as we have excellent credit reports and steady employment. It is sad to say that in XXXX, we feel that as a XXXX, XXXX  older married couple we have been unfairly discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: NY

Complaint narrative:
Experian is listing this mortgage in the credit card category. It was never a credit card it is and has always been a mortgage. By Experian listing it this way it puts my credit utilization number in the 40 % category. All of the other credit reporting agencies have it listed where it Is supposed to be. The other agencies have my credit utilization at or around 19 %. The debt is not in dispute the listing is. I have reached out to Experian twice to no avail. I contacted the mortgage company and they agree with me and have it reported as a mortgage. For some reason Experian keeps listing it in the credit card category which is drastically affecting my credit utilization and score. The company is XXXX XXXX XXXX ( debt around {$30000.00} ). They are not the problem Experian is ... ... ... PLEASE HELP

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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
A company - AMSHERCOLLECTIONSERVICES 11 XXXX XXXX XXXX Appeared in my credit report. I have never received communication from this agency, I have no knowledge of this debt or why it is owed and they submitted the action during the NY shutdown when items were not to be added to credit reports and there was a moratorium on action being taken in accounts. This action severely hurt my credit and prevented me from being able to receive a loan i needed to purchase a new fridge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
The collecting agent is Fraud, because the Hospital bill have being paid by my insurance. 
I was surprise that he re- enter it into my credit account again in XXXX, XXXX after the total amout have being settle by my insurance. I sent the statement to him, without contacting the hospital, and also lairs to credit union been a lender loan. This is an hospital bill, the company have taking law into there hand in other to collect money from me illegally. 
I do recommend that this company much check for fraud and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have collections on my credit report from CBE group through XXXX. The amount is for {$370.00}. This is a charge for equipment that was turned in back in XXXX! I contacted XXXX when I saw this on my credit report. The customer service rep agreed that the equipment was already returned to them. They called as a follow up to the situation and verified everything was returned to them. Two different customer service reps agreed that the equipment was returned. I really dont understand how this collections account is still on my report. This was XXXX mistake!

Company response to consumer: Closed with explanation