vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I recently financed a home purchase through JP Morgan Chase, Home Lending, and the bank caused me to not only miss the closing date by over 2 weeks, but also the contractual financing contingency date, which caused me to break the contract and be liable to the seller. Chase had 2 months between having an accepted offer and closing on the property, and were not able to deliver. This caused me the loss of rental income as the property is a duplex and half occupied, as well as caused me to rent the owner occupied half back from the seller in order for the seller to extend closing another 15 days. Ultimately, the bank took 2.5 months to close on my mortgage, and I had provided all necessary documentation within 24 hours of requests. 
Chase advertises a " Closing Guarantee '' on its website, which I am fully eligible for compensation of {$1000.00} for not closing within 21 days. Chase has declined my claim arguing the 21 day timeline is based on when the lending adviser decided to forward my file to underwriting, something not disclosed in the terms and conditions on its website. Furthermore, the hold up to send my file to underwriting was 100 % Chase 's fault, as acknowledged by the lending adviser via email. Chase had 2 months to get closing done, and decided to send my file to underwriting only days before the original closing date, allowing them to stay under 21 days as they define the deadline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a collection on my credit report that is a result of fraudulent charges. I was not aware of my card being used until after the collection because I never used the card. In addition I have placed credit freezes on all three bureaus for extra protection while I get everything sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: CA

Complaint narrative:
The three credit agencies Transunion, XXXX and XXXX   have not removed erroneous derogatory credit report from student loan collection agencies. I haven't opened a student loan account for over 20 years, and if this were accurate, but it is not, it would be too old to suddenly report. I have disputed over 30 days ago but the derogatory reporting continues, appears to change company names, the credit agencies is not responding to their responsibility to investigate truthful reporting and remove within 30 days per FCRA 15 USC 1681et seq. 

Any Student Loan Collection Agencies for approximately {$30000.00} and XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX USA {$39000.00} Why is this suddenly showing up on my credit report for the first time? 
They just keep changing their names.

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 2019-05-15 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:
I am very dissatisfied on how Capital one handled me during purchase protection of an item I bought from a merchant. The card indicates they help resolve issues on purchases made that are defective and not as described, but yet you denied me of a refund on my case : Case Number :  XXXX for the merchant XXXX I purchased a pair of glasses from this merchant and shortly after around 1-2 months the coating on the frame has peeled off. I can no longer wear these glasses. I have sent Capital One photographs of the defect but they ruled in favor of the merchant. Capital One demanded unreasonable expectations from me to resolve the complaint ( ie ) getting a letterhead from a second opinion glasses store to document that these frames were defective. No other store will issue a letter on letterhead stating this unless I buy something from them. After losing {$160.00} - I will not spend more money on another store just to get a letterhead. 
I have disputed this issue for months with a terrible outcome. I believe Capital One has violated it's promise on helping their customers resolve complaints fairly. When I signed up with Capital One, it clearly stated on the website they help resolve purchases such as mine ... .this is misleading and this is false. This is an illegal advertising practice. I am still seeking my refund of {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 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: NJ

Complaint narrative:
Experian has denied my dispute, despite the fact that I have contacted them and the bank numerous times with the correct information. 

My XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, was paid off on XX/XX/2019 and the account was CLOSED. I have a letter stating such. They let me know last week that on XX/XX/2019 they would report the correct information to all of the Credit Bureaus. That is YET to happen. 

I applied for a Mortgage this week. This being incorrectly reported on my Credit Report   has had a negative affect on what percentage rate I will have for a 30 year Mortgage.

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 2019-05-15 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: NJ

Complaint narrative:
I paid off and closed this account with XXXX XXXX XXXX on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. I have contacted XXXX 5 different times : XXXX XXXX : XXXX-XXXX-XXXX XXXX XXXX : XXXX-XXXX-XXXX XXXX & XXXX : XXXX-XXXX-XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with Transunion twice and XXXX three different times. XXXX I have provided the letter stating the account is closed and has a XXXX  balance and they still state that after contacting XXXX the account information reflected on my report will remain. This has negatively affected the rate I will receive on my mortgage.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
On XX/XX/2019, the Secretary of my condo association sent an request to my mortgage company on my behalf letting them know the owners have decided to dissolve our association. The Association attorney gave her a form to send to all the mortgage companies to sign. I gave her my mortgage information with my permission to send it. I received an email ataing they needed my authorization from personal email or a written authorization which I immediately sent an email back. When I did this, they replied on XX/XX/2019 not to me, but in the Association 's Secretary 's name to my personal email. After a few weeks I called them and contacted them by phone and was told the form needed to go to a different department but it would be escalated. I explained that I needed this 1 page form signed as soon as possible in order for the whole Association not to have to pay another 6 months of Association fees. I sent emails on XX/XX/XXXX & XX/XX/2019 and every return email came back to me stating that I would receive and answer within 3 business days.Saturday, XX/XX/XXXX, I received a call from them at XXXX XXXX stating they are working on this and I will definitely receive a call on Monday the XXXX. That call never came. On Monday, XX/XX/XXXX, I called the Customer service and was on the phone for over an hour waiting for a supervisor. I was told I would receive a call back that day - never received one! On XX/XX/2019, I sent an email to XXXX XXXX, the Senior VP of Client Relations and have hear nothing! I even asked my the lady who helped me with my loan to contact them and her company can't get any answers. On XX/XX/2019, I received an email saying " they have made several attempts to reach me in order to address my inquiry ''. They have not tried to contact me at all! Due to the nature of my job, my phone is on at all times and there are no missed calls from them. Since this has gone over 2 months, the whole Association has to pay another 6 months of fees because this company can not take the time to sign a one page document. How am I supposed to trust them with my morgage if something this simple keeps falling through the cracks??

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 2019-05-15 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: MO

Complaint narrative:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX   keeps advertising this XXXX  program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Payment made via check # XXXX shown by bank as withdrawn on XX/XX/19 by XXXXXXXX XXXX. Account has NOT been credited yet and interest accrues daily. I emailed them and got back a " sorry we did not receive it " email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened my Home Depot Credit Card account in XX/XX/XXXX. 

I applied online. Upon applying, I received a notification that I was approved and prompted to create a username and password. 

On XX/XX/XXXX, I made a purchase at the Home Depot for {$470.00}. 

I had a family emergency overseas and left on XX/XX/XXXX. I Instructed my wife to pay {$300.00} either by writing a check from our joint account or by making a money order when the Home Depot credit card statement comes in the mail. 

In XX/XX/XXXX, I returned from overseas and went to my local Home Depot store in XXXX XXXX to find out why I havent received any bill to pay my credit card. They told me that I can log online to make a payment or view my statement and provide me with the website address. 

This was the first instance in which I discovered my account was past due. I immediately made a payment and set up auto pay to ensure my account is never late again. 

In XX/XX/XXXX, I called Citibank regarding two late payments reporting on my credit report. I told them The only reason I did not pay was because I was never billed! I pay all of my bills on time. Why is it my fault that I was late when in fact I never received any bill or statement? I was informed by the representative that when I was approved for the account I created a online banking password and by doing so I automatically subscribed to paperless statements. This is absurd. If I knew I was signing up for paperless statements I wouldnt have signed up. I expected a bill or statement to come in the mail. I told my wife to pay the Home Depot credit card bill when it comes in the mail.

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 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had an account with Capital One who had outsourced the account to XXXX XXXX whom I settled the account with, XXXX XXXX has sent receipt stating that the account is paid and settled, however, Capital One is still showing that I owe a balance. After contacting Capital One and being told that the account is no longer with them again after multiple attempts to try and get this matter resolved the account is still not in good standing on my credit reports. Capital One has updated the settlement amount but is till reflecting a balance owed. 

I am in the process of purchasing a home and settling this account will help me to do so. However, the non cooperation of the company to update the information correctly is hindering my progress. I would like the account removed promptly from all three major credit bureaus for this continued oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain 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 2019-05-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also Experian keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain 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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I offered for a pay to delete settlement, they claim I owe XXXX. I offered to give them {$200.00} and {$50.00} a week till paid in full, and all I ask is that the remove the debt and tradeline name from credit report, they refused the offer. XXXX is the first collector I taked to who state that the FCRA would not allow them to remove the account, but he would have me talk to his superviser XXXX, who tried stating that the contract with the credit agencies doesn't allow them to remove validated or accurate accounts, and the FCRA act doesn't let them either, So I called the FTC after I got off phone, the FTC told me that they are wrong there is no federal law that stopes account from being removed from credit reports even if they are Validated, The FCRA just state if you report to credit reports it must valid and accurate, I Then contacted XXXX, and XXXX and the stated they have no contract that restricts clients from removing accounts from credit reports, creditors can remove accounts or add accounts as the choice, even validated accounts, the only requirements is that they report so many accounts to use the system, that to keep the creditor from removing accounts in a contract would violate federal laws. and they don't use contracts, it a user agreement and XXXX sent me a copy for my review, so my offer still stands but I want it in writing from you that upon completion of paying you off you will delete you tradeline name, and I don't want XXXX or XXXX on this because they already started with lies, they said it was recorded so feel free to listen and send me a transcriped of the call, you can email me. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient has misapplied my loan payments and has not followed my instructions on how to apply over-payments resulting in an increase in loan balance. 

I made a payment on XX/XX/2019 as follows XXXX Direct Loan - Unsubsidized - {$50.00} XXXX Direct Loan - Subsidized - {$200.00} On XX/XX/2019 I provided Navient with notice of the payment, the confirmation number of the payment and specific instructions regarding how these payments should be applied. The payments were to be applied to the outstanding balance of the loan and were not to advance my monthly payment. 

On XX/XX/2019 I made my standard monthly payment which includes a payment of {$250.00} to loan XXXX and a payment of {$37.00} to loan XXXX. The full amount of the payment was taken out of my bank account but only {$200.00} was applied to loan XXXX and {$0.00} was applied to loan XXXX. 

I don't know why my payment was not applied correctly or where my money went. There is at least {$150.00} in payments unaccounted for plus the interest that has accrued because Navient did not applied my payments correctly. 

Navient sends out canned responses that do not answer my questions in response to my questions. Navient fails to apply my payments correctly. Navient fails to provide an accounting of how past payments are applied when requested.

Company response to consumer: Closed with explanation