vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I ordered a computer Graphics card ( {$1500.00} was the total after tax JUST for the graphics card itself. ) along with other miscellaneous technology items through XXXX with my Chase Freedom Unlimited Credit Card and I was suppose to receive an amount of 3 bundled items in one consolidated package. Upon receipt, the  packaging did not contain the computer graphics cards but it did contain the other items. I tried contacting XXXX in trying to resolve this issue, they first wanted a police report and some time for investigation. I supplied them with the requested document, After 15 days I was told that my claim was denied and that no further action was going to be taken. Next I went ahead and tried to open a dispute through Chase.com about the issue I had, they had overlooked my dispute several times with my explanation to them as they wanted a personal email stating explicitly what my issue was. This is what i had sent them, " I want to CONFIRM that I want to continue the dispute. 

The Merchant made a charge to my card in the amount of {$1500.00} for three items in one package. The items listed were a XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX and a quantity of ( 3 ) XXXX XXXX. I am disputing because I did NOT receive the Graphics card that has a retail price of {$1400.00} ( before tax ) at the time of the dispute. Upon receipt of the actual package, I noticed I did not receive the graphics card that was suppose to be included. I contacted the merchant to assist me with my issue. At first they wanted me to file a police report, which I did in a timely manner. Later they said they denied my claim and will not take any further action. I still tried resolving it with them but they did not bother to assist me at all and prefer to end my calls. '' Many days later, about 20 days or 30 days, I received a letter from Chase in the mail, stating that they have closed the dispute and that Chase will take no further action. I am out of money and am expected by Chase to pay the credit balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank decreased both credit limits on my card after a loan was reported as late on my credit report. I took out a loan for a family member that had a medical emergency and they couldn't pay the loan. The loan went past due and Citibank decreased my credit limit from {$16000.00} to under {$1000.00} on two of my cards. I have been a loyal and on time paying customer with Citibank for over 8 years. I settled the past due account to resolve my credit blemish and called Citibank to reinstate my limits. They informed me they would put in an application. After not hearing back, I called and they said an application wasn't submitted and I wasn't eligible. I called back several times and got different information. I became frustrated and felt they lied and were not willing to help. Months later, I got a letter with a number to call so that I could get my limits reinstated. After making several attempts to contact Citibank corporate, I never reached anyone and they never returned my messages. At this point, I feel like I did everything I could to resolve this matter and Citibank has been uncompromising and unhelpful towards a loyal customer.

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 2020-05-14 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Back in XXXX, I had switched my existing wireless phone lines to XXXX   considering their 30 day satisfaction guarantee. However, within a month I realized the poor network coverage and internet issues and decided to return the devices I bought back to XXXX. I followed all the instructions from the customer representative from XXXX and they sent me pre-paid labels that I used and returned all the devices along with the boxes, accessories, etc. 
I moved my service back to XXXX XXXX XXXX and replaced my phone number. I did not receive anything in the mail from XXXX but received a letter from Convergent Outsourcing after a month or two trying to collect ~ {$3000.00} from me for XXXX. I immediately called Convergent and then XXXX to get justification on these charges. XXXX confirmed they had received the devices and that it was billed in error to me, they made adjustments to the amount and I was asked to expect a final bill around {$80.00} which I paid once received. 

Convergent Outsourcing reported to the Credit bureaus as collections, an amount of ~ {$3200.00} on XX/XX/XXXX, two years well after the account was closed, without my knowledge. 
I still see the remark on my credit reports ( XXXX, XXXX  and XXXX  ) as collections affecting my credit scores negatively. Considering reporting error from XXXX and Convergent, this should be removed from my credit report and should not affect me in any way. 

It is unfair for a company to charge 300 % more in error to a consumer, then report it to the collections, settle the entire amount and then report after two years to the credit bureaus to impact consumers credit scores negatively.

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have tried to work with my lender but they refuse to provide the documents where they said that I can only receive one modification. I have submitted a complete packet but got denied because they said I have maxed the number of assistance options. 

I was never disclosed any paperwork where it advised that I can't ask for help from my lender

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: LA

Complaint narrative:
XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the 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 2020-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
California passed the Fair Access to Credit Act on XX/XX/XXXX. The cap on interest rates in California is 36 %. I took out my loan XX/XX/XXXX. My interest rate is 159.22 %. Opps loans refuse to update the contract. I am grossly being overcharged. I am requesting that this get looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: YES AUTO CREDIT
State: OK

Complaint narrative:
I purchased a car from yes auto and a tow truck just popped up trying to take my car I paid for each month, the car lot is saying I never made the XXXX payment which I did even the finance company confirmed yet the dealership said they dont care and to bring them more money I have not been late I am filing a law suit as well

Company response to consumer: Untimely response
Consumer complaint received 2020-05-14 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:
I applied for a XXXX XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
In my credit score it has listed that i have 2 derogatory closed accounts from my student loans. Both accounts were satisfied and paid in full from my Federal Tax return this year in XX/XX/2020, i have a letter from the IRS stating and showing that my Ferderal Tax return was taken to satisfy these delinquent accounts. And now that they are closed and satisfied its still showing on my credit report and showing that i owe when in fact I do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: LA

Complaint narrative:
XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the 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 non-monetary relief
Consumer complaint received 2020-05-14 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: MI

Complaint narrative:
I sent a request to the Transunion credit bureau disputing the accuracy of bankruptcy on my credit report dated XX/XX/2011. I sent them a letter from the Bankruptcy Court stating that they do not report to the credit bureau 's as well as a letter from XXXX opting out of giving out my credit information. TransUnion responded back stating that they verified the information as accurate.

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 2020-05-14 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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF PROTECTION AND RIGHTS, THE XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF PROTECTION AND RIGHTS, THE XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.

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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
I attempted to put {$100.00} on a gift card as part of a birthday present on XX/XX/XXXX, on XX/XX/XXXX it appeared on my account. For some reason it showed as the transaction as returned and I got a letter from TRS demanding payment. I completed the form disputing the notice. TRS sent me a letter demanding the payment stating that it was deposited to the account, but still demanding payment. I now have diminished funds due to the stay at home order, and have asked that it be dismissed, yet they are still harassing me, for funds that were deposited into an account they are trying to collect on

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 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I purchased a car with XXXX in XXXX and Santander Consumer USA financed it. I didn't know the interest rate was 18 % but since day one most of my payments have gone towards interest instead of principle. On my credit report they have 80 payments at {$490.00}, on my paperwork from them it's a 6 year loan. There is no way I would sign to pay {$40000.00} for a {$20000.00} car. My paperwork states 72 payments and I have made double payments whereas they overcharged in interest and miscellaneous fees. The finance charge was {$14000.00} and after reviewing my payments I have paid above and beyond that. I have never been late and I even doubled payments. I really need this matter investigated because I am joining the class action lawsuit against this company and will also file a complaint with the Federal Trade Commission. After paying on this car a XXXX XXXX XXXX XXXX XXXX  they still say I owe {$12000.00}, how is this even possible, so for the last 5 years paying {$490.00} even doubling payments, that's called robbing a person of there Freedom. I wouldn't recommend this finance company to anyone, its a shame how they are making a person pay double the amount for a car. Please help me, because I asked a XXXX XXXX where my niece works and they advised me there is no way I owe the amount they are stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I added the mother   of my son  to my credit card as an authorized user so that she could call the utility companies and make monthly payments. She moved out of the home that we shared and I removed her as an authorize user. She stole my card and ended up using the card and made purchases that I did not authorize such as airfare tickets for herself and another person. I disputed the charges but Chase would not help because her name was previously on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I transferred money to a vender for virtual currency. However the person kept asking for money. Thus I realized it was a scam. The amounts were {$300.00} and {$200.00} because of transfer limits. I tried to cancel the transaction but realized there was no function to cancel. I called Paypal and was not able too reach anyone. So i disputed the transaction and listed the possible scam. I then contacted support about the dispute and informed them of the scam. Now it has been 3 weeks and Paypal gave the scammer the money stating that they found in favor of the scammer. I then contacted the vender in which i was told i had to pay them XXXX more dollars to get my currencies. I told them to take it out of the XXXX i sent them. I was told they would not do that. And they are keeping my money. Have a nice day. I contacted PayPal stating what happened because of their resolution. And have yet to hear back from them. I gave pictures of the conversation with the vender. The dates of transfer were on the XXXX th of XXXX but would not clear until XX/XX/XXXX. I disputed the transaction soon after the transfer. Maybe an hour. Since this was done late at night. The dispute might have been on the XXXX th around XXXX. The company PayPal has yet to offer any information aside from telling me they resolved the issue. Which means they gave the money to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
I called Mortgage Solutions after receiving a hit to my credit, which showed my credit dropping and which referred to a deed lieu, which I don't have with them. This property was sold in a short sale, closed in XX/XX/XXXX, I received this notice in XX/XX/XXXX. I first called XX/XX/XXXX and spoke to a person who said they were with loss mitigation who gave her name as XXXX XXXX and who asked me to mail documents at the time to XXXX, her words went along the lines she saw an account open but could not understand why. She requested I send the documents I have, I emailed what I had, a letter stating that if there was any debt, Mortgage Solutions Financial would not come after me for, also a release of deed issued. She requested I call back and check if she had received them, called back there was no luck reaching her XX/XX/XXXX. XX/XX/XXXX was in was unsuccessful overall reaching someone, this at first was a series of phone tags, transfers went to the automated system, the automated system would not get me to a person. I then called XX/XX/XXXX, began speaking to someone I was transferred to, felt it was going well till I simply asked for a name, they hung up after giving me first name last initial, person, s name was XXXX XXXX On XX/XX/XXXX realized I missed call from a XXXX XXXX who I managed to get a direct number and email XXXX and email XXXX. He asked to send what I had sent before also snail mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

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 2020-05-14 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: CA

Complaint narrative:
I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

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