vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Purchased a computer from XXXX ( web store ) based on an advertised interest rate of 0 % if paid in full within one year. Financing by Goldman Sachs Bank, USA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ). Purchase made on XX/XX/XXXX, in the amount of {$2500.00}. Payments totaling {$2500.00} made between XX/XX/XXXX and XX/XX/XXXX. Despite this, Goldman Sachs Bank charged interest on the account balance every month, starting in XX/XX/XXXX. To date, they have changed {$98.00}, including interest after payment in full for the purchase was completed on XX/XX/XXXX. I have called them four times, most recently on XX/XX/XXXX ( XXXX ), and written them five times. No response to my letters, except to acknowledge receipt of two of them, together with promises during each phone call that a " Supervisor '' would call within 48 hours to resolve the issue. No call ever received, nor any explanation provided. Most recently, I received a letter dated XX/XX/XXXX stating that they charge interest because I have an outstanding balance of prior interest. This is not the terms made at the time of purchase, which they have never addressed. Currently they have posted three negative reports with the credit bureaus against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Complaint was filed on Ally to post my payoff to my account and provide an letter. Ally posted the payment, provided a letter but FAILED to report the account as paid in full with all three Credit Bureaus. The three Credit Bureaus are showing a open account with an balance of $ XXXX which is incorrect! The account should show {$0.00} and should be closed!

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 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This my 3rd complaint with Bank of America concerning the same issue. The original complaint # XXXX was filed on XX/XX/2021. Bank of America refuses to apply my " principal only '' payments to the principal of my mortgage. They have been calculating interest on the wrong principal amount for over a year. Bank of America 's Home Loan customer service department told me any payment I make after my regular mortgage payment and before the next months payment will be applied to " principal only ''. This has not happen. 

Bank of America says they have no way of knowing what payments apply to principal only.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I used my credit card to pay for a surgical service of {$5000.00} to XXXX XXXX XXXX XXXX. On the date of the procedure my healthcare provider was showing an errant deductible balance requiring me to pay for the service in full. Three days after the procedure I was informed that my healthcare account was up to date and the charge would be covered in full. The service provider was informed and asked to credit the amount. They did not. I was later told by the healthcare provider that they had billed the insurance company twice without resolution. The healthcare provider stated that they had not received any request. Unable to prove or disprove either party, I called to dispute the payment with my credit card company. 
On XX/XX/XXXX I received a letter from Bank of American acknowledging the dispute and requesting additional information which I provided. In that letter, BOA stated that this amount, was not required to be paid until such time as a determination was made. On XX/XX/XXXX, BOA failed to honor their policy by deducting the full amount from my checking account. 
I contacted BOA on XX/XX/XXXX at which time they acknowledged their error and a refund would be processed on Monday the XXXX. On XX/XX/XXXX I contacted BOA to see why the amount was not refunded. I was then told that it would take 3-5 business days for the amount to be refunded. On the XXXX day ( XX/XX/XXXX ) I contacted BOA again and told that the amount had been processed and give to the end of the day to hit my account. 
On XX/XX/XXXX, after spending 1.5 hours on hold and transferred three times I was finally told that it would take up to two billing cycles ( or 60 days ) to be reimbursed. 
I have asked to immediately be reimbursed the {$5000.00} plus their going interest rate of 29.99 %, plus their established late payment fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I found out from the credit reporting bureaus XXXX XXXX and XXXX  that there was a negative account under " Midland Funding, LLC under account number xxxxxxxxxxXXXX. Midland Funding, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Midland Funding, LLC has failed to provide the information requested. Midland Funding, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Midland Funding, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Midland Funding, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Midland Funding, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Midland Funding, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Midland Funding, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I can not obtain online weekly electronic access to my EQUIFAX credit report thru annualcreditreport.com. The other 2 bureaus work just fine. I have already contacted EQUIFAX and they advise they can not do anything regarding the XXXX website and suspiciously redirect me to go to myequifax.com to sign up for 6 free copies of my EQUIFAX report. XXXX just redirects to each bureau 's security forms, so it should not be an issue with XXXX. Before I am given the " Online Delivery Unavailable '' error/load page, I am usually asked the Equifax security questions and most of the time none of the questions or answers apply to me, but the most recent time they all applied to me and I know I answered them 100 % correct, and still got the message that online delivery is unavailable.. I haven't received my free weekly Equifax credit report at all within 2 months even after calling Equifax twice and regardless I shouldn't have to receive only this bureau in the mail, I should be able to have the electronic weekly access as is offered. It is a WELL KNOWN ISSUE with loads of consumers and a theory is that EQUIFAX is preventing access, the CFPB need only XXXX this issue to find numerous complaints. Please demand this issue is fixed with either EQUIFAX or annualcreditreport.com, we as consumers should not have to transact extremely sensitive personal documents via MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called Navy Federal Credit Union Dispute Department to pay {$680.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
This creditor is stating that I owe a local hospital {$50.00}. Something that I sent notarized paperwork in to dispute and that was removed from my credit. I filed an FTC report and I also have filed a police report. This is not my debt and I demand it be removed from my credit immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is unauthorized use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called Wells Fargo Dispute Department to pay {$63.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax improperly furnished my report without my written consent. According to 15 usc 1681b : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax told me that they are allowed to report without my consent if they want which is a violation of my consumer rights. They refused to take off information that was not or could not be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently obtained my consumer report and noticed unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I had applied for an FHA mortgage in XX/XX/XXXX thru quicken loans. I went thru the whole process. I explained my situation that I had filed for chapter XXXX bankruptcy XXXX XX/XX/XXXX ) and had come out of the 2 year waiting period on XX/XX/XXXX. I also explained that I had used the XXXX forbearance and due to XXXX, I missed 2 payments ( XX/XX/XXXX and XX/XX/XXXX ) and I had made them up in XX/XX/XXXX. My mortgage is now up to date. Because I did not have a full 12 month payment, I was told that I was ineligible for a refinance with cash out. I felt that I was being punished for using XXXX  forbearance and was not given information regarding the consequences of using the forbearance. After going thru the whole process when it came to closing, they told me that I was I ineligible for a loan. I still dont understand why. I have made all payments and my mortgage is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I found out from the credit reporting bureaus XXXX XXXX and XXXX  that there was a negative account under " Portfolio Recovery Associates, LLC under account number XXXX. Portfolio Recovery Associates, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Portfolio Recovery Associates, LLC has failed to provide the information requested. Portfolio Recovery Associates, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Portfolio Recovery Associates, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Portfolio Recovery Associates, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Portfolio Recovery Associates, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Portfolio Recovery Associates, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Portfolio Recovery Associates, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I obtained my consumer report from Experian and noticed unauthorized items.

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 2021-07-17 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: PA

Complaint narrative:
I opened a new Chase Sapphire Preferred credit card in Chase Bank local branch in XXXX, PA this XXXX. Back then the promotional offer for this new card was that I will receive XXXX bonus points after spending {$4000.00} within the first 3 months. When I opened this new card, Chase branch banker promised to me that, if a better promotional offer becomes available within 3 months, Chase will match my current promotional offer to the better offer.

In XXXX, Chase upgraded the promotional offer to a better offer in the market. In the better offer, Chase offered XXXX bonus points instead of XXXX bonus points after {$4000.00} spending in the first 3 months ( exactly the same purchase requirement ). Based on Chase Banker 's commitment, I contacted Chase to request matching my offer to the better promotional offer available in the market and apply the additional XXXX bonus points to my account. However, Chase Executive Office simply declined my request without any legitimate reason. They completely ignored their own Chase Banker 's promise and commitment. This is against their basic business principles and integrity. Also this is essentially cheating customer. 

I request Chase to honor their banker 's commitment and match my credit card offer to the better promotional offer by applying the additional XXXX bonus points to my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: LA

Complaint narrative:
I call direct express at the I Customer service on XX/XX/XXXX between XXXX or XXXX XXXX  to block XXXX again. The customer service said she would look at it. She said she couldn't do a block on XXXX. I said XXXX was block before with no problems. While we were talking she was blocking my card and sending me another card without letting me know. I call to talk with two supervisor and they said that social security would have to send my info to them. At this bank has a rule to send a code before talking to me. This lady even send a code to my cell phone or to my email. This was all done without my knowledge. This happen to me before. The frost time it 10 times to get the right person to look in the matter. The second time I call 6 times and no problem solve. I can't do no more than I can because of health. This people told me not to yell I said if it was your money, wouldn't you be upset. The two supervisor I talk to were XXXX and XXXX. This is a very bad bank when a customer service do things without telling me. I want something done on this matter. I am a XXXX old lady living in XXXX trying to survive and keep safe. No I don't drink never don't drugs, don't smoke or gamble. I am a true XXXX lady live in XXXX for 9 years until I ask for help. Now I after deal with this kind bank that let their worker take what money I. Really this bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased the car for 3 years from XXXX to XXXX. I didn't put many miles on it and I purchased the car with an auto loan from Chase ( my bank ). Chase paid XXXX XXXX on XX/XX/XXXX for residual value XXXX + tax total XXXX XXXX 
Some times last year XXXX in summer I paid off the loan. ( for some reason it disappeared from my online banking after I started to call on almost weekly bases Chase Auto Finance Title ). They sent me 2 letters with the lien satisfied but it is not enough to get a title from DMV. They need the Bill of Sale, and the Federal Odometer Disclosure plus an additional XXXX $ in taxes which in their data base is missing because Chase didn't report the sale I guess. 
Anyways, I called XXXX finance and they said the Title was sent to Chase Auto Finance on XX/XX/XXXX. A CSR from Chase confirms that the Title has been received by Chase in XX/XX/XXXX. They also opened a ticket with my case XXXX and since than I keep on calling they say in 2 days a manager will call me and nothing. The completion date of the ticket supposed to be XX/XX/XXXX but until today XX/XX/XXXX Chase didn't do anything. All they need to do is to send the title to me and also all the documentation regarding the sales tax and the odometer disclosure. I'm not sure what is the legal way to deal with this issue anymore. Please help. I'll attach the documents I have in hand for you to review them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. I applied for the capital one walmart card on XX/XX/XXXX, it was approved immediately, however with an insanely low {$1000.00} credit line, this is the lowest credit line I've ever had, with such a low limit, I can't even use this card properly. 

2. It's impossible to active this card, I received the card on XX/XX/XXXX, when I try to acitvate it online and through mobile abb, their website keep throwing errors, and ask me to activate through phone. However when I called the provided number and entered my information, it always direct me to a infinite wait for a representative to be available, I end up hanging up after waiting for more than 30 minutes, it's impossible to reach their customer service team and get help.

Company response to consumer: Closed with explanation