vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER  XXXX BANKRUPTCY DEISHCARGED XXXX XXXX  XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}

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 2020-08-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX {$3300.00}

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 2020-08-07 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: WA

Complaint narrative:
XX/XX/XXXX - returned XXXX XXXX XXXX vehicle back to chase at end of lease. 
XX/XX/XXXX - received letter from chase bank asking {$2500.00} as wear and tear damages in the condition report. 

I requested photos of damages. The damages in photos do not corelate to the charges in condition report. 

My auto insurance provider is requesting a detailed invoice of breakdown of charges ( labor, equipment etc ) related to a dent on right front door and right rear door so they can reimburse me for the damages but chase is not able to provide these details. I was not able to get a repair estimate from the body shop because I couldnt take the car to the workshop during COVID when I damaged the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Due to the fact I file for bankruptcy. Even though the bankruptcy was discharged 7 years ago. By the way, the mortgage was not part of the bankruptcy. They want the bankruptcy removed. Therefore, due to the fact I am on time with my mortgage. I want you to report my mortgage to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC wont let me link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a XXXX XXXX ticket ( {$210.00} ) on XX/XX/2020 and the flight was later cancelled. XXXX XXXX refuse to refund the money but only give me vouchers instead. 

So I dispute this charge with my credit card company on XX/XX/2020. The dispute was declined by my credit card company ( Chase ) on XX/XX/2020. 

So I have to call XXXX XXXX again asking them to refund the money. They agreed to refund this time and showed me the refund process was already completed on XX/XX/2020. They have the refunds request number and the document number. 

But this refund was never showed on my credit card account. 
I called my credit card company, they insist that they did not receive the money and do not allow me to dispute the charge again. 
I called XXXX XXXX, they claimed they have completed the refund and show me the document number. 

I don't know where is the money and both sizes claim they have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I was contacted by Law Offices of MBA for a debt collection. I am not aware of any debt pertaining to this account. I sent a written letter requesting an itemized bill in order to verify the debt. My requests have been ignored and now the company has made a false report to the credit bureau causing my credit score to be affected negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX attempted to collect on debt from 1996. I asked them about statute of limitation on collection of credit card debt and they stated there was none. I verified that it is 6 years in the state of Connecticut and by law they could not impose legal action against me. They lied throughout the conversation and are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has reported an inquiry on my Experian credit report. There are no permissible cause for this inquiry. No line of credit were offered, no loan was extended. To continue reporting this inquiry on my Experian credit report it's a violation of FCRA rules section 1681

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony ( managing credit purchases for Amazon.com ) has a practice where if you have a promotional balance, they do not let you know explicitly what amount you must pay to avoid paying interest if you may another purchase. On multiple occasions, the most recent being the billing statement ending on XX/XX/20, Synchrony has deployed a deceptive practice where they are charging interest on amounts that are not transparent. I have attempted to resolve this with the customer service reps and account managers but all I get is " We are working on updating the billing statements to reflect this but the script hasn't applied yet ''. This issue has been going on now for several months and they are misleading consumers into paying interest.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Model Finance Company
State: CA

Complaint narrative:
I Had a vehicle repossessed about 4 years ago. I would like this account deleted on my credit reports. After they took the vehicle I was never given an inventory letter for my possessions in the vehicle, and never received notice before selling the car, " your lender must provide you with a notice at least 15 days before the sale date. In order to collect a deficiency, the notice must be given within 60 days of the repossession, and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. XXXX XXXX. XXXX. XXXX XXXX ). "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
The company keeps " refreshing '' the date of a debt I had with XXXX that has long expired under the statute of limitation. They are now on my credit report reporting that the account was opened in 2019 and this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase is refusing the apply my mortgage payments towards my mortgage balance upon receipt. They either wait several weeks to deduct my payment from my mortgage balance or wait until I contact them and ask them to deduct it. I have never done business with any company who refuses to apply payments as soon as they are received. 

Most recent ... .They received my payment of {$1000.00} on XX/XX/2020. They even sent an email verifying they received it. As of this today XXXX XX/XX/2020 XXXX, they have not applied the {$1000.00} to my mortgage balance. On XX/XX/XXXX, by balance showed {$43000.00} and today ( after having received {$1000.00} on XX/XX/XXXX XXXX, it still shows {$43000.00}. 

I have contacted Chase on several occasions and each time I was told it " would not happen again '' and I would " not need to call or contact them again ''. They blatantly lie and refuse to apply my payments when received. The following are prior dates and times of contact : On XX/XX/2020, I sent Chase a payment of {$1000.00}, which they received. On XX/XX/XXXX, Chase send me an email stating they never received it ... .even though it was showing in my account that they had. Sent an email to Chase. XXXX XXXX responded and said she resolved the issue, applied the payment and it would be fine going forward. 

XX/XX/2020, I called Chase since they refused to apply my XX/XX/XXXX payment. I spoke with XXXX XXXX for about XXXX hour. She assured me the problem would be resolved. She said her Manager, XXXX XXXX, would contact me and make sure I had no further problems. I never heard a word from XXXX XXXX and the problem continued. 

On XX/XX/2020, I sent another email since they had received, but not applied, by XX/XX/XXXX payment. Chase XXXX responded on XX/XX/XXXX saying he would apply the payment and stating " We have coded your account to show that you are making payments early, and they will now be posted as soon as they are received. '' Obviously, this has not happened on my last payment on XX/XX/XXXX. 

I am beyond frustrated and tired of calling and begging to have my payments applied towards my mortgage balance. I have to wonder if my balance is even correct at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent a dispute to Equifax twice. Once on XX/XX/2020 and another on XX/XX/2020. Both disputes were sent by certified mail and marked as recieved through tracking. I called Eqifax today XX/XX/2020 to follow up on not receiving feedback from my disputes. They say they havnt received my disputes. I confirmed the mailing address that I sent my certified dispute letters and the agent said that address was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My PNC account says it will not link my account with the leasing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
All kinds of scandalous XXXX going on with this nation including you and pnc bank aye? What a joke. Must be part of the XXXX breakdown y'all involved as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
An unknown debt to an unknown company popped up on my credit report on XX/XX/2020. I called the number at about XXXX PST and a live person answered mumbled a company name that did not sound like the company reported on my credit report and immediately put me on hold before I could respond. I rechecked the number on my credit report and called ( same number ) again. A live person answered again but more clearly stated the company and quickly state they had another person ahead of me and put me on hold before I could respond. The person got on the phone asks for an account number, I search the collection flag on my XXXX  credit report and find none, they then ask for my name, which I provided hesitantly because again, the transaction is unknown to me and something feels off about the company. They put me on hold to look me up and returns asking for my date of birth, again I am super uncomfortable but provide it. 

They note some details of a transaction still unknown to me. I say as such and repeat it more than once stating I need written correspondence. The phone agent asks " are you trying to evade my questions. '' This makes me even more nervous about this call. They note they have obviously legitimate since they have reported to credit agencies. I note that I just sat through and looked through 6 months of mail and I have NOTHING from this company. I thought I might have missed something because we have had to XXXX  related health emergencies on top of everything else and I have not been good about physical mail. The calling agent becomes agitated accuses me of interrupting them, not allowing them to speak and evading their questions, and puts me on hold. 

Returns and continues the conversation and when I restate I need physical correspondence because I am afraid this may be fraudulent. The agent asks for my mailing address and I freeze, I ask them to pull this from my credit report because I don't feel comfortable giving an unknown company my physical address. They again become vocally agitated and asks for me to provide. I tell them no. They accuse me of not allowing them to speak and said something inaudible before saying they will be transferring me. 

The interaction was very strange. Felt a bit like entrapment or gaslighting and I got off the phone and my hands were shaking. It was a very dehumanizing experience. As a XXXX woman who has worked in corporate finance her entire professional career I was taken aback and deeply concerned. I still don't know that this interaction was not fraud.

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 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
RE : Walmart credit card, Capital One. -poor customer service. 
Account XXXX. 

On XX/XX/2020, I paid off my account/statement balance of {$1700.00} On my new XXXX statement, I am being charged {$20.00} interest on a balance that was already paid off! 

On XX/XX/XXXX, I called in to Capital One 's Walmart credit card customer service and asked for the {$20.00} interest that was on a balance that was already paid off, to be refunded. The customer service rep refused and I was transferred to a supervisor, XXXX, who proceeded to tell me that is their policy and if I don't like it, I'm " XXXX '' and " maybe I shouldn't do business with Walmart ''! 

To be treated like this and to be talked to like that is INEXCUSABLE! 
Paying off the account in full and to be treated like trash, especially during these hardship times caused by COVID! 

I will make sure that everyone on XXXX and XXXX and everyone else will know how poorly Walmart and CapitalOne credit treats their customers, especially during COVID! 

I demand a full refund of bogus interest charges of {$20.00}, interest fees on a balance that was paid in full prior to the statement closing. Walmart and Capital One credit say they want to help us, the customers, during COVID-19 but when it comes time to help they do NOTHING, liars!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Please refer to previous complaint # XXXX with Capital Accounts, in which they agreed they could not validate the debt from the original Creditor, and closed out the account. On XX/XX/2020, they simply opened up a new account, and state that I now owe {$9000.00} to the same creditor ( although it is phrased slightly different XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Just as before, they will not be able to validate this debt, and although I will be forced to submit another dispute in which they will most likely ignore once again, they will undoubtedly submit the collections to all three credit agencies ( once again XXXX, and I will be once again dragged through an extremely painful and draining process. I can't begin to express the damage this has done to our family, both emotionally and fiscally, and we now seek resolution above and beyond a simple cancellation letter. We now wish to sue Capital Accounts for their unethical behavior and damages done to our personal well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: GA

Complaint narrative:
I did not give written permission to any of the following company run my credit XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Trans Union several times making them aware that there was an increase that I did not authorize no apply for credit with these companies I've also sent a letter to the Creditor, both credit bureau and creditor refuse to act on it and they told me that the information was accurate that they would not be willing to remove it XXXX XXXX XXXX XXXXXXXX XXXX I also have a identity theft report that 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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is a debt that does not belong to me and The original date the debt was said to be mines is incorrect, Ive disputed this more then 7 years ago and its been off my credit till XX/XX/2020. This debt is in violation of the State statutes of limitation in Florida

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
The lender is NewRez LLC / operating under Shellpoint Mortgage Servicing. 
XXXX XXXX Amount due to me {$59.00} +/-. 
I refinanced the loan through another lender. The loan closed on XX/XX/XXXX. 
XXXX charged interest from XX/XX/XXXX through XX/XX/XXXX. 
XXXX charged for XXXX days on which it was not on the loan. 
I have written to them on XX/XX/XXXX and XX/XX/XXXX requesting and adjustment. Both times I got notification the request had been received and that they would respond within a few days but it has gone ignored. 
My accountant believes this might be a tactical move. The amount in question is under {$60.00} and they expect most people not to pursue it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation