vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently returned a leased XXXX XXXX XXXX vehicle that I had financed through Chase Auto Finance. Although I am covered for 'excess wear and tear '' up to {$1000.00}, the inspection they performed claims I owe them {$1100.00} for excess wear and tear above the allowed amount. The vehicle, in reality, was in fine shape, was returned with almost 10K fewer miles than the contract allowed ( hence, more valuable for them ) and was quickly resold. Itemized charges include " Carpet Dirty = {$65.00} '', " Front Seat Dirty = {$65.00} '', " Back Seat Dirty = {$65.00} '' and many > {$100.00} charges for small scratches. There were some small scratches on the vehicle - I live in a city - but nothing a normal human would consider " excessive '' .The only legit " excessive wear and tear '' charges are for a dent on the front bumper, and a scratch on the back bumper, which should cost less than the allowed $ XXXX ( {$660.00}, according to their estimate ). This is attempted extortion, and I will refuse to be ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TX

Complaint narrative:
There is currently a " notification '' on my credit report due to prior fraud by ex-husband. However, it states in the alert that the entity/company looking to provide me credit has to call to verify my identity yet the Experian did not place my phone number in this notification and now has cause me harm. 

The disregard for follow through and/or auditing of this notification/message that was placed onto my credit report without clearly articulating the steps that an entity and/or company can take to contact me and the phone number of reference has caused me a missed financial mitigation opportunity and I want this resolved at once. 

Either Experian can remove this fraud notification from my report and/or can correct their error and contact the last three entity/companies whereby they have caused an application to cancel due to their error. 

I have called only to be routed to " write them ''. 
I have written them with no follow-up. 
Their only web portal is sub-par and causes a spin in the workflow and doesn't allow the consumer to clearly solve the issue at hand. The customer experience is sub-par.

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 2019-05-22 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: CA

Complaint narrative:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surpeise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

XXXX/XXXX, Account # XXXX, Date Opened XX/XX/XXXXYou are even duplicating this account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap! 
XXXX XXXX-XXXX, Account # XXXX, Date Opened XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. 

Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an increase in my required escrow balance due to a window purchase made via the XXXX XXXX. I have paid a portion of the amount of increase to Wells Fargo Mortgage, they were to adjust down my monthly payment amount based upon the balance left of the escrow increase. Wells Fargo has failed to apply these funds I have sent in that were to be applied towards the escrow amount increase. The funds are still unapplied by Wells Fargo Mortgage. I have spoken with Wells Fargo Mortgage twice regarding this issue, they said they would fix the problem ... it remains a serious issue. 
Funds in the amount of approximately {$2000.00}

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 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened an account with BMO Harris Bank on XX/XX/XXXX using promo code XXXX. 
I decided to open this account for two reasons : it offered XXXX monthly maintenance fees, and a {$200.00} bonus payable approximately 120 days from account opening if the terms were met. 
The terms were : Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 
AND Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 
I met both of these requirements in the first 90 days. 

I waited well past the 120 day mark, which would have been XX/XX/XXXX, to call into customer service to find out why my bonus had not been credited. 
I first emailed, but was told I had to call, so I called and spoke with a XXXX on XX/XX/XXXX. The call lasted approximately half an hour. XXXX put me on hold several times to speak to their marketing department. 

She explained that my deposits came through XXXX, which caused an issue. Their system was recognizing it as a transfer, not a deposit. I explained to XXXX that I do freelance work and that is how I get paid. My paycheck comes through XXXX, and that is my ONLY option for getting paid. 
Also, when I lived in Alabama several years ago, I opened a checking account with XXXX XXXX and they also offered a bonus at that time. I also did freelance work then and was paid through XXXX. I received their bonus with no problem. 

So XXXX stated she would forward that information on to Marketing and if they needed to verify my earnings, they would contact me. She told me bonuses are credited every Wednesday. Well, I did not receive the bonus last Wednesday, XX/XX/XXXX, or today, XX/XX/XXXX. No one from customer service has contacted me for additional information. 

I am not calling in again to waste another half hour on the phone and get no answers. 

If BMO is advertising a bonus, they should honor it. I met ALL the qualifications. 
If BMO does not count funds deposited from XXXX as a qualifying deposit, they should mention this in their terms and conditions for the offer. As this is not explicitly stated in the terms, I expect this bonus to be honored. Thank you.

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: PR

Complaint narrative:
The number of calls per day is extremely abusive, up to a total of 20 calls in a single day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AL

Complaint narrative:
I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX & XXXX, XXXX/XXXX. ( Inquiries ) : XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX., XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX , XXXX, XXXX XXXX

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 2019-05-22 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: AL

Complaint narrative:
I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : XXXX, XXXX, XXXX XXXX I, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I never received a bill from the hospital because the address they have on file is not associated with any address that I have lived at. I have called AWA collection agency and provided my daughter insurance card and the claim # to a processed and paid claim several times Since 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
This company has been calling me at least 3 times a day and when I ignore the call they keep calling for the past two months. They are now calling all my family members and telling them they have a warrant to serve me and they need them to contact me. They are calling them multiple times a day and ruining my name. They give them a phone ( XXXX ) XXXX Claim Number and scare them into calling me. The ladies name that keeps calling me is XXXX and she says she works for a firm called Global. I have never heard from them nor do I owe them money. They have called my sick mother and made her believe I was in big trouble and I would be arrested if I did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CA

Complaint narrative:
Have had a couple years of problems getting an auto loan and replacement credit cards with current companies due to a credit freeze that was put on incorrectly. 
XXXXmy wife, died XXXX I wrote all three agencies, Experian, XXXX XXXX and XXXX to update my information and remove ALL credit Freezes and alerts since they are blocking me. 
XXXX I called all three agencies to check that the remove was done and deleted. They said they would have it posted in 48 hours. 
XXXX I later I reapplied for a credit card and they said the freeze and alert was still there and there was no phone numbers. Secondly, it shows that a NEW credit freeze was put on one of the agencies and therefore ALL three agencies put the freeze back on since they share information.

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 2019-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
to whom it may concern : i was made tax exempt on XX/XX/2019 so i sent a copy to my mortgage company, and they sent me a reply confirming they had received it and all changes were made, however, when i checked my statements i found that they were still taking taxes out for 5 months, so i called them to find out why they were still taking out taxes. the first person i talked to i asked them why they were still taking out taxes since i was tax exempt, they said let me put you on hold and hung up the phone, so i called back and the second person i talked to i asked the same question and also what was misc. escrow money and they said that is the money we sent to you and i ask why i never receive it, then they said we will issue another then i ask about the taxes they had taken out for the last 5 months and they said we will send another {$300.00}. and i said no so they transferred me to their supervisor and again the same question to the supervisor and the supervisor said we don't have any money for you so i said i will report your company to cfpb and they said go ahead i don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-05-22 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: AL

Complaint narrative:
I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and the all need to be deleted from my credit report. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, AUTO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX, XXXX XXXX.

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 2019-05-22 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 filed the following CFPB complaint re : Capital One Case : XXXX CFPB No : XXXX in late XX/XX/XXXX. Capital One responded, in pertinent part, Dear XXXX XXXX XXXX, You recently contacted the Consumer Financial Protection ( CFPB ), about charges from Spy Spyfly.com for {$1.00}, billed to your account on XX/XX/XXXX, and {$29.00} billed to your account on XX/XX/XXXX. As well as charges from XXXX for {$1.00}, billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, and {$39.00} billed to your account on XX/XX/XXXX. We understand you believe these charges are fraudulent ....

Our records show, on XX/XX/XXXX, you spoke with one of our agents to report fraudulent activity ... .Regrettably, the agent failed to file a lost stolen report on the card where the charges took place ... Because of this, the merchant was able to continue charging the account on XX/XX/XXXX, and XX/XX/XXXX, as mentioned above.

As a result, we re-billed your account on XX/XX/XXXX, for {$29.00}, XX/XX/XXXX, for {$29.00} and XX/XX/XXXX, for {$39.00}.

***However, as of XX/XX/XXXX, I can confirm all of the fraudulent transactions have been credited to your account and there have been no additional charges from the merchants. *** If you have any additional questions or concerns, please give me a call at XXXX, Monday-Friday from XXXX XXXX XXXX PT. When contacting me, please use XXXX as the 6- digit PIN when prompted. My 7-digit extension is XXXX. Im glad to help any way I can. 
Sincerely, XXXX XXXX, on behalf of Capital One XXXX : This last sentence marked by XXXX XXXXis untrue. Capital One continued to rebill me for {$39.00}. Three times. I tried calling and leaving a msg for XXXX, XXXX, at the number he provided to advise him of the last {$39.00} rebill on XXXX 2018 that was not refunded, contrary to Capital One 's letter to CFPB. His name is not on the XXXX greeting. Instead it is a " XXXX XXXX. '' I left XXXX on XXXX, XXXX, and on XXXX, XXXX, a senior acct executive,  said he was sending an instant msg to XXXX as we spoke. To date, neither Ms. XXXX nor XXXX, nor anyone from Capital One has contacted me to follow up and resolve this. The final {$39.00} rebill for the fraudulent charge remains on my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
No money going to principle.Adjustable interest changing all the time and high monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TN

Complaint narrative:
I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.

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 2019-05-22 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: TN

Complaint narrative:
I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation