vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CT

Complaint narrative:
I filed a complaint for fraud charges with BBVA in XX/XX/XXXX and they issued a credit for the fraud charges on XX/XX/XXXX but then reversed them in XXXX without letting me know why. I have never received a letter with explanation about the resolution of the fraudulent charges. I have been trying to contact BBVA for more than two months and the representatives disconnect the phone call or tell me that someone from escalation department would call me back and the complaint was still unresolved and this is going on for more than three months. I also had sent their customer service department many emails without any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I processed an electronic payment to chase .it had the incorrect acct number. It was never applied to the current credit card acct. I have called 3times, ok hold, transferred wasted four hours. They have no record of the payments. They have not acknowledged the receipt. I filed with my bank. They called chase claims they are a 3rd party and will not speak about this. 

Details are as follows PayeeCC XXXX  XXXX XXXX ( XXXX ) Category Credit Card Amount {$4600.00} Payment Type Electronic Payment Option Single Paid From XXXX Sent On XX/XX/2020 Delivered by XX/XX/2020 Confirmation # XXXX Status Processed Enclosed is details of my call to chase called on hold for 55 minutes and got debit card transferred to Credit card time is >40 minutes after 2 + hrs After speaking with XXXX they recommended i call the vendor. Then, I called Chase to request a refund. I gave them the last five of the credit card. XXXX. They wanted the whole card number I then, like pulling teeth, said look it up by my social security number. They have no record of the acct and clai they have not the money. They said to call in 90 days to attempt a refund. I am filing this complant as Fraud and request immediate attention to obtain the {$4600.00}. I requested a name, employee number and a record of the call and I was refused. I was also told I could not speak to a supervisor. Also I logged onto their website and attemtped to send a secure message. There is no ability to do so. The only option is a checkbox to either transfer an amount to another credit card or keep it as a credit. There is no option or ability to request a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This bill was covered by XXXX XXXX  XXXX XXXX XXXX but the Collection Agency somehow got my information and says I need to pay {$740.00}. 
The actual bill was {$540.00}. XXXX XXXX  paid this as I was unable to pay it due to not working. 
I have tried several times to resolve this and I got threatened with a lawsuit and I was told they will place it as a collection. 
I called again and I was hung up on 4 times in 1 week Please help me remove this as this collection agency is very vicious and unconcerned to resolve my issue even after they got a letter from XXXX XXXX stating this debt was paid as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MA

Complaint narrative:
This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction 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 2020-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX IF falsely reporting information on my credit report that is invalid. Due to current litigation against this company, it is illegal to report any negative information on my credit report until after the court matter is resolved. 

Please see attached documents I am currently appealing a case with this company, and a decision has not been handed down as to the outcome of that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
BJ 's Perks MasterCard My XX/XX/2020 statement was a PURCHASE balance of {$72.00} which was due on XX/XX/2020. 

On XX/XX/2020 I paid {$75.00} which appears on my XX/XX/2020 statement, within this same statement there is a {$6.00} Interest charge for purchases. 

However, the Purchases were Paid in Full prior to the due date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received a personal loan back In XXXX for XXXX. Starting in XXXX they would be taking XXXX every two weeks of the month. On today XX/XX/2020 I contacted net credit to get a extension and to let them know that I was laid off because of the coronavirus and I won't be able to pay until I start receiving my unemployment check. I ask how much I owe on the loan she told me XXXX. I said wait they have taken approximately {$800.00} from my account since XXXX to XXXX how is it I owe more than I borrowed and I haven't missed a payment she said that they were charging me 96.6 interest, I told her this is illegal and I was reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
So this XXXX account was previously with XXXX, XXXX. I sent a letter requesting debt verification in with XXXX in late XXXX of 2019. They never responded with debt verification but sold the debt to I C System which they opened the account in XXXX of 2019. I sent a dispute requesting that I C system verify/validate the debt through XXXX and they only said that it was verified, they never sent me the requested proof of validation nor did the send me a notice of debt which is required by US CODE 1692. I have asked for proof that this debt is mine from XXXX, and then this creditor on multiple occasions and they have sent me no proof at all but continue to report this debt illegally and change the dates of the balance being reported. 

I am requesting proof that this debt is mine and proof that they sent me a notice of the debt when they first purchased/opened it in 2019. The debt is not verified and there for should not be reported with out proper verification, including the paperwork from the original creditor ( XXXX ) and proof of their purchase from 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 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortagage was sold XX/XX/2020 from XXXX XXXX XXXX to freedom mortgage. I have an fha loan. I have been unable to reach freedom to pay my payment for XXXX. After multiple phone calls and conversations I was able to speak to someone about making my payment for XXXX. I was told by the woman at freedom mortgage the government was offering assistance to stream line mortgages to refi for a lower interest rate with no cost at all to me. Once I received the loan docs to sign freedom was actually charging me XXXX k in closing costs adding it on to the back end of my loan. When I pressed the mortgage person XXXX XXXX why I was being charged XXXX k in closing costs she stated it must be a federal regulation to put that as your escrow amount I said why cant the escrow amount be on another line and what do in owe for escrow. XXXX XXXX was unable to answer me and was happy to not assist me any longer with refi my mortgage. This clearly is a huge scam! I am so upset at being taken advantage of and had I not read the paper work I would have added XXXX k on my loan

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 2020-04-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been sending me emails promoting a " Plan It '' program with no interest payments when using their credit card on a qualifying purchase. 

On XX/XX/20 I went to Am Ex website ... 

https : //global.americanexpress.com/lending/installments/calculator ... and used the online calculator to find out what terms would be for {$3000.00} It showed options for repayment of no interest for either 12, 18, or 24 months. 

On XX/XX/20 I called Am Ex customer service and confirmed my intended purchase would qualify for this " Plan It '' promotion. I when spent {$3000.00} using American Express. 

When the charge posted to my account on XX/XX/20 I tried to use the " Plan It '' promotion but the options were now 3, 6, and 12 months. 

On XX/XX/20 I called Am Ex customer service and spoke to XXXX. I explained my situation. He used the calculator and got the same times of 12, 18, and 24 months. 

He put me on hold and spoke with the " Plan It '' team. They declined to offer me what their calculator had saying the calculator was just an estimate. 

In the fine print of the offer terms it did state the terms could be changed because of credit worthiness. 

I have kept my Am Ex account in good standing for years. 

My balance on the card is well below my credit limit. 

I have a high FICO score. 

There was nothing in the fine print of their terms, nor in my credit history which could have suggested to me the terms would be anything other than what was shown by their online calculator. 

I consider this to be a highly deceptive promotion, especially during the coronavirus national emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This my complaint because it seems Citi lied in there response. I have attached 2 different documents from Citi banks named Document and document 2 for review as against what citi send to CFBP. Also I attached my XX/XX/2020 statements because citi is requesting I make the payment because they did not make any move to XXXX. I have also attached XXXX  statement on the payment because Citi have refused to accept payment from 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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

XXXX Notice from XXXX about the Inquiries viewed by others. That have unauthorized account below was open. 
1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX 3.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Notice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage does not respond.

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 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I took out a student loan under XXXX XXXX in XXXX of XXXX with an original principal of {$17000.00}. In XXXX of XXXX, I was encouraged to go into forbearance rather than using income-driven payment plans and ended up consolidating my Federal student loans with Navient at an exorbitant interest rate of 9 %. Navient did not encourage the option/benefit of an IBP in XXXX of XXXX. Since XXXX, I have been under an IBR Plan, but my principal is now {$71000.00}. I believe I would be in a better financial situation at this time had I initially signed up for an IBR. Please help in rectifying this situation or advise of other avenues to take to reduce the interest I have accrued over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Chrysler Capital Auto loan paid off in full. 

XX/XX/2020 XXXX XXXX. USPS Certified mail receipt for delivery of Payment XX/XX/2020 Chrysler Capital posted payment with effective date of XX/XX/2020 even though the date of receipt of payment was XX/XX/2020 as per USPS receipt. 

XX/XX/2020 XXXX XXXX. I sent message of inquiry about the date difference, no answer XX/XX/2020 XXXX XXXX. I sent a second message complaining about the non response XX/XX/2020 XXXX XXXX. I called Chrysler Capital and spoke with a person who identified himself as XXXX XXXX, who stated they de did not know anything and it looked like the payment was posted appropriately. I asked him if I could email him proof of receipt on XX/XX/2020 and he said no. 

I have mailed a letter of Complaint to the President of Chrysler Capital today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from Experian, XXXX, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, 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 explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The company name was XXXX. They first contacted a reference I listed on my application on XX/XX/20 and she was told by the guy that contacted her that he was forseeing office for XXXX County and proceeded to give her a case number for me to contact them. I contacted them and was told that if I didn't pay them, they would proceed to take action and send my information to the county to take me to court. I recently just found out I'm pregnant so I was scared, offered my card number and attempted to make a payment for {$210.00} but card was declined. I told him I would call back when my direct deposit hit and the guy XXXX XXXX told me if I didn't call back that would be a breach of contract and they would go forward with submitting my information to the county. I didn't call back that day because I wanted to investigate especially since I just don't have the funds at the moment and they drafted my account anyway. The next day on XX/XX/20, I contacted them and asked them to remove my card information and the lady XXXX told me that means they would forward my case to county. They then proceeded to contact my mother in Mississippi that's not on any of my paperwork and also takes care of my XXXX father and attempted to collect the debt from her and let her know the amount of the debt. I contacted them again and asked them not to harass my mother, she then told me her number was removed but my mother received another phone call again this time telling her the company it was for Ace Cash Express. To my knowledge it is against the law for them to harass family members and to let them know the amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
During a worldwide pandemic portfolio recovery associates file a civil lawsuit against me and have called my cell phone repeatedly using different calling numbers. They have called my wife 's cell phone without any consent to contact my wife, she's not on any old my old debt. This considered harassment! How could any court allow these people to file a lawsuit during this time of extreme worry and fear.

Company response to consumer: Closed with explanation