vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I received a phone call about a loan payment from a third party company that I owed. I told the representative that I made a full payment on XX/XX/XXXX. So, I called Chase bank and spoke with a representative about the fraudulent charge dated back to XX/XX/XXXX. I asked the representative how long do Chase go back to do an investigation. The representative told me 2 years. Chase refunded the {$740.00} to my account. On XX/XX/XXXX my account was a - {$740.00} because Chase reverse the charge. I called Chase and asked them to explain why was the charge reversed. A representative told me that they only go back 120 days and I had exceed the time to dispute. Also to contact the financial company who took the money from my account. That comment is no longer in business. The company telephone number has been disconnected. Had I know it was 120 days I wouldnt have filed a  claim. I think Chase has bad customer service and representative who give out incorrect information. Since the COVID-19 I have been with our work. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lakeside Recovery Solutions
State: PA

Complaint narrative:
XXXX XXXX saids he is a paralegal, of Lakeside Recovery Solutions phone number, XXXX.Just found phonecall today but date on voicemail XXXX.He saids i returned mail in reference to a legal matter i have returned no mail these past months he doesnt have my address and wants me to update my address on there system? He has my name and last 4 # 's of my social security number.He states they hold the legal right to begin the forceful recovery process they have a pending docket # XXXX.dotUS.They dont tell me the company i owe money too? They dont mention an amount? and they are giving me a docket # yet they dont know my address? This is the first phonecall from this company and it made me uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report : FRD MOTOR CR XXXX   XXXX  XXXX Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72 Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 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 OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late 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  unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
In XXXX of 2020 I entered into a forbearance/deference agreement with Morgan Stanley Home loans. Initially, it was for 3 months and it was extended to 6 months. When I last spoke to a representative on XX/XX/2020 I requested that they extend for another 2 months and the representative said that shouldn't be a problem. I received another call and someone else told me something different in that I could not extend another 2 months and that I would have to agree to a deferment so I did so. They told me that I could in a sense put the XXXX payment into the deferment plan and possibility of putting the XXXX payment in the deferment agreement so essentially I would extend for another 2 months. I kept getting automated calls to call Morgan Stanley, everytime I called I would get a different response, this time the representative told me that I had to make the XXXX payment immediately. I would have liked to have extended my forbearance for another 2 months and put that into the deferment plan but I keep getting told different things. At one point a couple of months ago when I asked for the modification package to be sent to me another representative told me that I would only be able to defer 3 months of the payments and the other 3 months I would have to pay as a lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
My name is XXXX XXXX. I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Attempted to contact customer service after a wait of 37 minutes in the call queue on XX/XX/2020. My payment of {$130.00} scheduled for XX/XX/2020 was on time, however ; I was still assessed a {$27.00} late fee. According, to XXXX in customer service, the late fee should reverse itself. Why was I charged a late fee to begin with, if the payment was made on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent requests via Mail to Kohls department store letting them know that the information they are reporting on my credit reports are inaccurate and inaccurate on each credit bureau. The information continues to be reported monthly as inaccurate as to the following : High Balance, Last payment made, and date opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment duringXX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
Hi NRA MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please  provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-10-07 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:
We have filed a legal dispute with a timeshare company, XXXX XXXX XXXX ( XXXX  ), since XX/XX/XXXX, for fraudulently induced timeshare agreements on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,. As of this date, XXXX has ignored all correspondence to Cease & Desist collection attempts and have made no attempts to resolve the issue allowing us to be released from the agreements. 
The accounts have been turned over to their XXXX XXXX, XXXX XXXX XXXX ( XXXX ), who in turn reported it to the credit bureau, Experian. This reporting has caused our credit score to tank. Experian is now reporting the accounts as closed with foreclosure proceedings started. 
It is our understanding that under the laws of the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX ( XXXX XXXX XXXX ) is unable to place derogatory credit information on their credit bureaus during this active dispute. In addition, any and all third-party collection and reporting activity is forbidden by the Fair Debt Collection Practices Act ( FDCPA ) of the Federal Trade Commission ( FTC ). 
We have repeatedly notified XXXX ( XXXX XXXX XXXX ) and Experian of their illegal activities and nothing has changed. 
We would like to have the money that we have paid into these agreements refunded and the derogatory credit reporting 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 explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX of XXXX or XXXX of XXXX. Each bureau is showing different dates, and i don't even know. Which is impossible!!! 

Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Received a phone call claiming to be XXXX XXXX alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from XXXX XXXX. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped 100 points? I talked with XXXX XXXX today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit  bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX I got a mortgage with Citizens One. It included PMI. Over the next 10 months I did XXXX in renovations on my house. 
XXXX - Citizens One requires that if you want to apply to drop PMI, you have to write them a letter. They have no phone number or email address for this. It is very hard to get contact information. But I wrote my letter - detailing the improvements on the property and paying my fee to have a broker come examine it. 
XXXX - A broker goes to my house when I am not home. I get a call when he arrives with no notice. He drafts a report. The report says " Per the Owner/Borrower there have been no improvement since loan. '' This is clearly untrue. I need the appraisal to be about XXXX higher than my purchase price, and the changes we have done are transformative - but the broker does not know this - because no path was available for him to get that information. 
XXXX - I get the report in the mail. Getting a hold of customer service is a nightmare. When I can get a person, none of them know anything - they do tell me to call the broker. I call him. He says he has no data and my only course of action is to talk to the bank. I await a PMI specialist to call me - which has not happened yet. 

There should be a simple process for me to submit my information and it should have been taken into account by the broker. I paid for his assessment. I would like another broker to be assigned to go back, at no cost to me, to complete an accurate report and I would like to see that report reflect the list of changes made. 

In XXXX, I have completed a XXXX landscaping project that leveled a huge section of the back yard. The current report says that my sloped yard detracts from the value. So, this project should add even more value. 

At this point I have plenty of evidence to offer that PMI is not necessary - but the bank is purposely making it impossible for me to show them evidence of this. There is no reason the process should be this hard - but it is an advantage for them if it is, because then they keep collecting from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently.

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.

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 2020-10-07 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/2020 I was trying to pay the car off. The payoff amount was about {$1100.00} more than the loan. I was in a family emergency then so I just made the regular payment. As of XX/XX/XXXX my account page showed a credit of {$340.00} and a payment due of {$730.00}. I tried e-mail but got a generic response. On XX/XX/XXXX I called customer service. After several minutes I requested to be transferred to a supervisor. After much more time with the supervisor she did some calculations and said that I had over paid the loan and should receive a refund and title within 5-7 business days. More family issues so I did not call again until XX/XX/XXXX. Again I had to go through the phone tree to get a supervisor. Same conversation. I had overpaid and was due a refund. I asked about what happened. Evidently these " supervisors '' do not not have any authority to fix the loan and can only create an e-mail to that department on what the issue is. I called again XX/XX/XXXX, as I hadn't heard any updates. Same conversation again. 
On XX/XX/XXXX I received a delinquent payment notification. On XX/XX/XXXX I again called, but was transferred to the collections department. After being transferred to customer service and then to a supervisor yet again, that supervisor again agreed that I was due a refund and the title. Today I was again told 5-7 business days. I have also contacted Hyundai corporate by e-mail. There response was they do not mediate in these situations. I also contacted the dealer where I purchased the car with the same results. No explanation was ever given as to why the {$1100.00} difference from what is owed and the payoff amount. Each of these calls takes about an hour and are very frustrating.

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