vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has been requested to provide the following : 1 ) An accounting of the funds paid to them at payoff of the XXXX. The payoff occurred on or about XX/XX/XXXX. 

2 ) Escrow disclosure statements for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

3 ) Form XXXX for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

4 ) A complete loan history summary from XXXX to current indicating all charges and payments on the account and indicating the date of the charge, complete description of the nature of the charge and month applicable, etc. 
and 5 ) Provide the date of the payoff of the loan and indicate how the amount was calculated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was approve for a XXXX XXXX credit card through synchrony bank with a limit of {$300.00} dollars. Now I only have a credit limit of {$100.00} dollars. Why is that? I never use the card. The card has always been in good standers. At this point this is completely bullying. Why approve someone for a credit limit and then take it back. Is this my punishment for not using my credit? and if so this is totally unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
XXXX  XXXX loan was opened in XX/XX/2018. Nationstar, XXXX Mr. Cooper was identified as the lender. I attempted to initiate an online XXXX account, however was unsuccessful. The company sent notification by mail to the residence address of monthly payment schedule.The letter indicated XXXX was aware of lendee difficulties in attempting to establish online accounts, and as a result no negative action would be taken against the borrower. 
I was not in the residence until the XXXX week in XX/XX/2018. I began making monthly payments as of XX/XX/2018, and have continued making monthly on-time payments for the successive 20 months since without interruption or delay. 
XXXX began placing negative credit history information within 60 days of late payments beginning XX/XX/2018 indicating the initial payment should have been made in XX/XX/2018, which was clearly negligent as the loan did not close until XXXX XXXX XXXX has denied the XX/XX/2018 reporting, however I have maintained records indicating the error. 
I contacted CFPB then and initiated a complaint against Mr. Cooper regarding faulty record keeping, and CFBP initiated an action based on this complaint and numerous others against XXXX, which resulted in a significant fine purportedly paid by XXXX. 
However, XXXX did not correct the record keeping and has continued to place late payment notifications on my credit file for the past 20 months as a result of an alleged late initial payment in XX/XX/2018. Over the past 6 months, XXXX has also begun levying late fees against my account, which now amount to over {$800.00}. 
I am requesting CFPB 's assistance in pursuing the complaint against Nationstar/Mr. Cooper for failure to correct the ongoing record keeping error based on CFPB 's initial action against the company, and XXXX 's continued failure to correct its records, which has resulted in fraudulent credit reporting and attempts to collect late fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX my wife and I went to kay jewelers of Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX and purchased two wedding rings. 
The store convinced me to sign up for their store card on that day, explaining they had a 12 month interest free program. 
I qualified immediately for store credit as my credit was very good. 
We were advised that if we made every payment on time there would be no penalties or fees. 
I utilized there online payment system and setup auto payments immediately. 
We did not receive statements as we were advised to stay paperless and no statements were ever emailed to me. 
Every payment was made on time and in full as shown below : XX/XX/XXXX PAYMENT - THANK YOU - {$150.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$150.00} XX/XX/XXXX PROMO FINANCE CHARGE ADJ {$320.00} XX/XX/XXXX FINANCE CHARGE {$320.00} XX/XX/XXXX PAYMENT - THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX KAY JEWELERS PROMO PURCHASE {$1900.00} When I had checked that the final payment cleared on XX/XX/XXXX I was shocked to find a new charge for " interest for entire year '' of {$330.00}. 
I emailed and called repeatedly for days with no reply until I finally got through today XX/XX/XXXX I was advised by customer service advisor XXXX that there due day was 1 day after the promotional period ended and therefor the interest charge is required. 
He advised that the promotional period end date showed on the monthly statements none of which were ever sent to me. 
I have checked the original agreement and there is no promotional end date on that at all. 
The company set the due dates and i trusted they set those inline with the promotional period as i was advised when I made the purchase. 
I would most definitely have made the payment earlier had I been advised of this. 
I feel extremely mislead by Kay Jewelers and how they represented this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
A settlement check was mailed to my former address in XXXX by the company handling the Equifax XXXX in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX XXXX less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a XXXX dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Hi, As of XXXX. XXXX, XXXX, my auto loan with Ally Auto Finance was paid off. I refinanced the loan with XXXX XXXX and they paid them. 

It has now been a month and a half, and the loan is still being shown as open on my credit report. 

Essentially, my report shows that I have 2 loans. 

I emailed Ally auto last week requesting that they close the loan with the credit bureaus and I received no response and no change in my 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 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed an account and several inquires that i did not authorize reporting 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 explanation
Consumer complaint received 2020-05-01 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Brandsource Citi/CBNA appears on my credit report showing that an amount is due and owing of $ 4700+ yet no one, via any number, at XXXX XXXX Brandsource, or any other such company is able to find any such account nor receive any form of payment to rectify this negative account on my credit report. I have disputed this account twice and each time the same information is upheld. On the second dispute XXXX  simply used the same information from the previous dispute and never reattempted a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
The JP Morgan Chase & Co Auto Loan automated system incorrectly reports the amount owed. ( I have an audio recording available, attaching below ). The automated system stated that I owe {$280.00} total payment ; while the collections department contacted me the same day stating that I owe over {$500.00} total and one is 30 days behind. The automated system is behind on reporting the correct amount. On my previous call in XXXX the system did not report any payment due at all. Incorrect information on the automated system caused the delay in payment and was now reported to the credit bureau impacting my credit score by a 100 points and resulting in fees on my account. 

The customer service department failed to address any concerns regarding the automated system not matching what they were saying. 

This is my first missed payment of any kind in 10 years and as a creditor the automated system should report the correct information so consumers can rely in that information to make timely payments. 

It's an unfair and deceptive practice to state a smaller amount owed in the automated system and subsequently charge fees and negatively impact the customer 's credit score if the he/she was misinformed on the amount owed by the Chase Auto loan Automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: U.S. BANCORP
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed an account and several inquires that i did not authorize reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed an account and several inquires that i did not authorize reporting 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 explanation
Consumer complaint received 2020-05-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony/TJ Maxx lied to me when they upgraded my store credit card to the Mastercard version back in XXXX by telling me that my payment, account history and opening date would transfer from the store card to the new account. That was not the case since the old account was still open and the new one was showing an opening date of XX/XX/2020 and not reflecting an updated balance. I called them on the XXXX to rectify this situation and the person I spoke with assured me the old account will be updated as closed and all my account history including account opening date will be transferred to the MasterCard account and my balance updated, and that I will receive a letter explaining this as well. I called again on the XXXX to confirm what the first person said, and I was told that was the case. Then today XX/XX/XXXX1st I checked my credit report and the old account is now showing as closed but the new account is having the updated balance but none of the account history from the old account was transferred to the Mastercard account. I called again and requested a manager. I spoke with " XXXX '' who was apologetic about the misinformation but she said what the other two people informed was incorrect. That once you accept the upgrade it is a brand new account and no account history will be transferred to it. That was not informed to me at any point and the two agents I spoke with provided me misinformation. I then asked " XXXX '' to please revert to my old account and close the Mastercard and she said that is not possible. Basically I was lied twice and they could not care less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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