vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan would not credit me for an improper charge on XX/XX/2020, I closed my account and paid the last bill that I received in full, less the improper charge. After I closed my account, Chase would not send me subsequent bills or allow online access. After two months, Chase started collection calls - I told them there was a legitimate dispute - not a failure to pay. Eventually the vendor themselves credited me for the original improper charge, yet Chase refuses to credit the interest and penalties that accrued after I cancelled my card. Further, they reported me 90 days late which caused me difficulty in receiving an auto loan. My Chase Select banker said supervisors would call me on multiple occasions to try to resolve the issue - yet I never heard from them. I was even told they mailed be and tried calling - yet they have my correct address, work phone, home phone, cell phone, and email, yet I never received one text, voicemail, letter or call. Each day that goes by without Chase addressing my issue, my damages increase. I keep getting collection calls, interest and fees and an incorrect, damaged credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: NC

Complaint narrative:
I received a notification about a collection being placed on my account from a debt collection agency on XX/XX/20 in the amount of XXXX. I have not been contacted by anyone nor have I received any information in relation to any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: OH

Complaint narrative:
Well I have a stash account and I link it to my square cash app account I was locked out of my stash account and not told where my money is. On my cash app it say that they sent it but it never hit the card I have multiple complaints from refunds to Nothin is on the card. The bank it went to was XXXX XXXX the money came from stash capital. It total to XXXX dollars I have not seen a XXXX  all the transactions are on the page. It says complete. I can't get any word or help I earned that money and now everyone is acting like there's no way to contact these people. The transaction range from XX/XX/XXXX to XX/XX/2020. XXXX dollars total

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr Cooper refinanced my loan in XX/XX/XXXX. The rates dropped to 2.23. I called in XX/XX/XXXX and the person said they could only offer me 2.26. Gave me all the wrong numbers and didn't honor the rate match of 2.23. I called back on XXXX because I got a 1.79 rate offer. I called Mr Cooper to check their rates and rate match. I was told he could offer me 2.24. He said that rate was since XXXX. So the 1st rep lied. He ran my credit for nothing. Did a soft inquiry on my credit and they aren't suppose to. This company are scamming folks in the midst of the worst time in our country 's history since the great depression. I don't think they should be handing VA loans. We sacrificed alot. Too much to be swindled. The bbb is filled with complaints in them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report. I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : 1 ) No dispute
indicator listed on the TransUnion report. Violation of section 611 of the FCRA.

2 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 3 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

4 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

5 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

6 ) The payment history reported is incomplete.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinqu
ent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws.

2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX an account with Discover Bank was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the XXXX of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NY

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy.

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NC

Complaint narrative:
I'm up for a new job promotion my credit was ran and came back with information I have a police report for that is not mine showing. I need to get the matter corrected with this place I never heard before before I lose my promotion

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to 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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to 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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I already have a PayPal account. When I saw the inquiry on my report I was confused because I have an account. I called the company and they had my last 4 of my SSN as XXXX which its XXXX. I didn't apply for new PayPal credit because I've had it for years. It 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 non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I formerly filed a complaint in late XXXX XXXX about capital one not giving me credit for a payment they accepted on XXXX XXXX XXXX. Where they posted a bill I paid that bill and they took their interest from that payment. The bill was for XX/XX/XXXX. The only response I recieved back was a copy of my contract on how I can't make any payments over 90 days in advance. They told me my payment wasn't for the XX/XX/XXXX payment and after arguing with them they gave me my interest back and applied it to the principle. I asked the manager on the phone '' When can I make XXXX 's payment? '' I was told in about 3 business days. I made XXXX 's payment on XX/XX/XXXX which when my payment cleared the whole payment was applied to interest! They stated that they collected interest every day since my last payment on XX/XX/XXXX. My first complaint is how if my payment shows up as a payment on my app with interest taken out how am I supposed to know that that payment " technically '' wasn't accepted as a payment until I brought this whole problem to their attention while I was waiting to get XXXX 's bill. My due date never changed which prompted me to call. And even after that matter was resolved finally on XX/XX/XXXX I still wasn't able to make that payment for 3 additional days. If I can't make a payment because of their error how can they charge me interest? And second they charged me interest on the additional XXXX that " should '' have been applied to my principle if they are stating it wasn't a payment. Which was their interest they collected then returned on XX/XX/XXXX. I feel customer service when I spoke to them just wanted to be right and had no concern for the customer. The manager I complained to even made it aware that not only were they taking XXXX 's payment as an interest payment I still owed them 24 more dollars! I treated with disrespect when she called me " dude '' over the phone because I'm standing up for what I think is right. I asked to speak with her manager and she threw the " well the only person higher than me would be the president of our division. Would you like to speak to him? '' I said ABSOLUTELY and when she put me on hold for 15 minutes she came back with a more respectable attitude and she told me she would take my number so " he '' could call me back in XXXX to XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: Credit Wise Recovery Solution LLC
State: PA

Complaint narrative:
1. My Credit Wise Statement reported that XXXX  did a hard inquiry for purposes of taking a loan on my credentials. This occurred XX/XX/2020. I called XXXX  at XXXX and reported the problem. They said the loan was stopped and provided me with the # XXXX for the incident. 
XXXX. My Credit Wise report showed that a credit card ; XXXX XXXX / XXXX was created using my credentials. I called XXXX 's and they transferred me XXXX XXXX fraud department. XXXX XXXX fraud department said that they stopped the card, don't know if this in fact happened. The date was XX/XX/2020.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase offered discounts on certain products to purchase using rewards points earned on credit card. Over a month and the order is still not received. Customer Service was rude and unapologetic for the lack of coordination with Chase 's vendor to fulfill orders. Information about the status and communication of the status was not readily available and difficult to ascertain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
if you want to work with a shady mortgage broker, quicken loans/rocket mortgage is your one stop shop. I applied for a refinance on my house. The initial quote looked acceptable and pretty standard. The trouble starts when they needed the details. They couldn't figure out how to start a new insurance policy on the house at closing, i supplied every document they requested and they still never figured it out. The appraisal was peculiar too, the lender repeatedly on the phone stated the value of the house to be XXXX before ever seeing the house. The appraiser after coming out to the house ( great location and lot ) and seeing it in person, stated the value was exactly XXXX, the comparisons were rather old and the leveling of the values was confusing, not sure it was an accurate appraisal. After the appraisal the quicken loans adjusted the contract, they lowered the financed amount by XXXX and then raised the origination fees by XXXX. The appraisal fee went up {$800.00} after the appraisal. 
I called in and asked to speak to someone in charge and all the quicken reps said there is no one in charge. I could speak to all of these different department people. But I had no idea if they were in on the scam or not. Someone named XXXX called me back and said the loan had been changed from a primary residence loan to an income property loan, which was the first time i heard they had changed the product I had applied for. I had enough of their lies and misinformation. I asked XXXX what i had to do to stop wasting anymore of my time with their unprofessional company. He said i didnt need to do anything to stop the process. I have stopped working with the devious misleading company as of XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
27 checks returned when my account was closed and another open for a transfer to XXXX  I did not authorize then my credit score was taken down 32 pints

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three

Company response to consumer: Closed with explanation