vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: CA

Complaint narrative:
I notified Chase on XX/XX/XXXX that I wanted to block all charges from XXXX XXXX and I disputed a charge for {$490.00} due to false advertising, failure to deliver according to the terms of an agreement, misrepresentation of services. 

Chase initiated the dispute and blocked XXXX from charging my account. On XX/XX/XXXX, XXXX charged my account {$500.00} and I disputed it with Chase. Chase informed me the credit card company would not intervene with any disputes with XXXX and validated all charges on my account including the {$500.00} charge. 

I notified the credit card company that I no longer agree to pay any charges to XXXX on XX/XX/XXXX and Chase still authorized and validated charges. The dispute customer service agent said that I should've changed my account number when I called in for the initial dispute because XXXX could change its address or name and rebill because the company has my card number. This was never advised during my initial call to dispute the {$490.00} charge. Chase sent me a copy of the XXXX agreement and stated it would not intervene with a service agreement which contradicts Chase 's financial services agreement with me. XXXX misrepresented itself and lied to me. I disputed the {$500.00} Further, Chase has communicated in an aggressive and unprofessional manner as if I am not its financial customer. It has stopped sending me statements, altered my online statements and email addresses ; has refused to send statements to me ( I was assessed a late fee but Chase never mailed me a statement ) because my attorney sent a demand letter. I paid everything but the XXXX charges which left a {$990.00} balance on my card. I do not use the card for anything but a monthly membership of {$24.00} and no my balance is over {$1500.00}. My online statements do not go beyond XX/XX/XXXX. I have paper statements in a file box which I will retrieve soon. 

Chase needs to handle the dispute fairly. I have proof that XXXX lied and misrepresented the terms of our agreement. I have emails and screenshots that Chase refuses to acknowledge. I feel like Chase is representing XXXX or they have a crony relationship that is being protected and served.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 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: GA

Complaint narrative:
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX and XXXXUnknown account - XXXX on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: GA

Complaint narrative:
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - Experian and XXXXUnknown account - XXXX on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Good morning. 

I was part of Equifax 's security breach. All I wanted to do was " opt out '' of Equifax 's ID Notify transfer of services to XXXX. I don't remember ever getting this notice. The only notice I received was to Enroll. See attached documents. Note that Equifax said you MUST Opt Out in order to prevent them from " sharing '' your information with XXXX. They should never be sharing any information with anyone and it is a privacy scam that I have had to spend so much time to no avail in order to Opt Out to prevent my confidential information from being shared. 

Here is the audit trail of what both of these credit reporting companies put a customer through with their intentional pingpong of phone numbers : 1. Called their listed website Opt Out Id Notify number on XX/XX/XXXX. The number listed as XXXX. 
2. Then I was told I had to call XXXX. Spoke to XXXX. XXXX said she was the wrong person and passed me to .... 
3. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX at XXXX PST. She passed me to .... 
4. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX from XXXX PST. She passed me to ... .. 
5. XXXX AGAIN ( see # 2 ) where I spoke to XXXX at XXXX. XXXX said she could do nothing and then transferred me to some number where I have been on hold for 20 minutes ( the wait was 90 minutes ). 

This is a game by credit reporting services to prevent a consumer from easily opting out of private information sharing between these Credit Reporting Companies. 

Can you advise me of a specific name and number where I can get this resolved? 
Can the CFPB do anything to prevent this horrifically poor Equifax-XXXX customer service scam from happening to other consumers? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: FL

Complaint narrative:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the following accts should be deleted ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX  XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXXXXXX ... .XXXX  XXXX ... .XXXX XXXX ... .XXXX   XXXX ... XXXX XXXX XXXX XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One advertised {$500.00} bonus if $ XXXX was deposited in to their account. Specific wording : $ XXXX in total deposits by XX/XX/XXXX, Deposits totaling $ XXXX were made on the following dates : XX/XX/18 - $ XXXX XX/XX/18 - $ XXXX XX/XX/2018 - $ XXXX There were some withdraws in that period. The offer never said that $ XXXX had to be in the bank account at any one time. Only $ XXXX left until the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. 
I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. 
Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. 
So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have been in communication with regional acceptance corporation almost ever month to get an accurate statement and to find out what's going to interest and what to principle. I have spoke to XXXX XXXX XXXX in the XXXX office on several occasions and I feel like less of a person after being verbally abused by XXXX. I've asked several times for a principle and interest breakdown of my payments. Also I keep getting robo calls from this number in which I did not give permission XXXX regional acceptance on dates XXXX XXXX and XXXX at XXXX and XXXX. The principle amount has not dropped on XX/XX/2019 it will be 2 years of payments made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Several of my federal student loans are being serviced by Navient. I currently live in XXXX XXXX and as a result of the severe fires in XXXX, Navient decided to put my account of disaster forbearance without my permission or my request to do so. When I spoke with a representative about who authorized this I was told they do not need any authorization for disaster forbearance. I am still responsible for any interest on the account during this month 's forbearance. When asked whether I could withdraw the forbearance, Navient 's representative told me it was not a possibility. There are 10 million people in this county and only a small percentage were affected by the wild fires. I understand " President '' Trump has neutered your office and thus this is mostly cathartic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
These dates I paid for a XXXX loan in the amount of XXXX each : ( origination date : XX/XX/XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and I was notified that the document I signed online required 5 payments with the 5th one being due on XX/XX/XXXX. I called Ace cash express concern about cost of loan and asked them why I was making 5 installments in the amount of XXXX for this XXXX loan. They told me it was fair because I could have paid it off at anytime without further interest charges, however, if I had that much money I wouldn't have borrowed money in the first place. My question is, " Why is this not predatory lending, trapping the poor? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Professional Mortgage Associates
State: CA

Complaint narrative:
My name is XXXX XXXX, I live with my sister-in-law, XXXX XXXX and my Husband XXXX XXXX, we have been renting together for 4 years and finally were able to purchase a home. We found a home in XXXX XXXX California, XXXX XXXX as a Realtor for XXXX XXXX placed an offer on the property in question on XX/XX/2018 with a closing date of XX/XX/2018. XXXX XXXX was the purchaser originally. XXXX appplied for a mortgage with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, this is a lender XXXX worked with on a Wholesale relationship thru Professional Mortgage Associates his Wholesale Mortgage Broker, he is a Realtor and Loan Agent for PMA. XXXX XXXX XXXX after approving the loan and knowing the dynamics of this loan as far as applicant relationships rejected the loan because they did not want the Buyer to be related to the Realtor since that is her sister, therefore we suggested I buy the property since we all live together it did not matter to us, but they rejected that as well since I am married to the Realtor, then they refused to work with PMA as the broker since XXXX also works fro PMA and rightful so since his Broker 's License does not exclude him from doing so. Therefore we had to apply with a different Broker and pay unnecessary fees for the loan because XXXX was not able to do it in his name. Then they came back one more time and disallowed XXXX from representing me XXXX, because we were married. Therefore we had to find a Realtor to represent us and a broker to do the loan increasing our costs to acquire this loan, and keeping XXXX from earning a compensation for the Real Estate Transaction. Then ... they had me backdate documents after closing of the loan for " compliance '' I am speaking of all initial disclosures, LE etc..we know better but at this point we had a XXXX in escrow that the seller were threatening to take since we removed the contingency, furthermore this was a serious loan since we put 30 % down payment on a XXXX purchase. We were tormented thru the process, required to pay additional fees and forced to give up compensation for Real Estate. this was a disregard for RESPA and Fair Lending etc ... Please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a Hard Inquiry on my report from XXXX XXXX. 
XX/XX/XXXX I have lived at my current location since XXXX and was not looking at any other properties on or around XX/XX/XXXX. 

The Company information on my report under the Hard Inquiry is : Institution Information XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX This is the first mode of action I have taken.

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