vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Made on line payment on XX/XX/2021. Chase received and misapplied. It is a week now and they reversed it out but have yet to apply my payment. 

Than on XX/XX/2021 we made a {$470000.00} principal payment by wire. They received and finally on XX/XX/2021 applied to the loan but now are reversing it out as if it never was made, Chase has had our funds for over a week and I keep getting pushed from one department to the next. I was told on XX/XX/2021 by XXXX XXXX in executive escalation that this would be resolved by today, and yet it is still not resolved. 

I am getting a run around and my payments are not being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from Midland Credit? Midland Credit pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from XXXX XXXX? XXXX XXXX pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.

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 2021-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a spirit world MasterCard with Bank of America and as part of my benefits I get redemption fees waived when purchasing airline tickets using my spirit miles. The charge should have only included taxes/fees and should have been {$360.00} not {$300.00}. However, spirit still incorrectly charged me {$300.00} in redemption fees. The receipt attached doesnt even add up correctly. I contacted spirit and they agreed that the charge should not have occurred and told me to contact Bank of America to file a dispute. I filed a dispute and its been over 10 days and they are not following regulation e requirements. They did not provide me with provisional credit or send me any of the required notices. When I contacted them they said Im not responsible for paying that amount until dispute is resolved however no where does it indicate that online in my activity statement or any written notices. I never received any written notices. I do not believe they are appropriately adhering to the regulation requirements. The rep told me that reg e only applies to debit card transactions which is not correct. I spoke to XXXX in customer service on 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 monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We purchased the car XX/XX/2020, at the time we got into a loan and were told that at the 6 month mark we would be able to re-finance a loan. When the 6 month mark came we tried to refinance the loan but were then told they we would not be able to refinance. We were told by the dealership specifically that they don't help with refinancing, stating that " refinances don't make them any money. '' This was despite them telling us we would be able to refinance after 6 month 's. We then spoke with Capital One and they told us that they do not take their own refinance loans and we would not be able to refinance with them on our own, even though we were told we could do this by our dealership. We then had further discussion with the dealership and he stated he would help us but every bank he spoke with stated we would have to put more money down to refinance a loan. From XX/XX/XXXX to XX/XX/XXXX I tried to reach out to the dealership and spoke with them again on the XXXX of XXXX. From there we tried to see if I could get a refinance by myself without XXXX. They then asked for my paystubs and I sent those and waited for him to get back to me. On XX/XX/XXXX I messaged them again because I had not heard anything about my attempt to personally refinance. In my message I asked that while he was looking for a loan that he could find a loan that doesn't have simple interest rates or high interest rates at all. He finally responded and stated we would speak the next morning on the XXXX. On the XXXX I then called and was unable to reach him and left a message. I never heard back from him until the XXXX of XXXX. XXXX stated that there was a bank holiday on the XXXX and asked me to reach out to him the following day. I reached out to him again on the XXXX and he stated he would call me some time in the afternoon. I then told him that was unfair because he stated he would call me first thing in the morning. He then stated he only would have five minutes to speak with me, he let me know that Capital One nor any other bank was able to approve my refinance by myself. During the initial purchase of the car we had already put down XXXX as a down payment but somehow that money can't go towards a refinance. They are continually asking us to put down more money to refinance with no explanation as to why. So far within the loan 's life we have already payed XXXX and we still owe approx. XXXX. Nothing we have payed has gone to the principal of the loan and it all has gone towards the interest. No one is willing to work with us on this including Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: MT

Complaint narrative:
In XXXX XXXX mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan 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 non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage provider is LOANCARE https : //www.myloancare.com/ I already paid the mortgage on XX/XX/XXXX for the amount of XXXX. I accidentally paid it again on XX/XX/XXXX {$3000.00} so i called Loan Care on XX/XX/XXXX for reversal and they weren't able to help me and asked me to call next day once it has posted. On XX/XX/XXXX, i called again and was transferred to XXXX supervisor XXXX employee # XXXX XXXX on XX/XX/XXXX and was told I would be issued a refund. On XX/XX/XXXX, the mortgage provider attempted to charge me again {$3000.00}. At this point my whole bank got wiped out completely for another charge and i have no funds left in my bank and it has XXXX on it. I was charged 3x. The check for XXXX will not arrive until 7-10 days and when i asked for proof that they mailed me back a check, there is no tracking number. But then now i have another new charge of {$3000.00} on XX/XX/XXXX. I spoke to XXXX Supervisor again today XX/XX/XXXX ( employee XXXX ) and I was told to send a copy of the attempted charge AGAIN on my bank TODAY XX/XX/XXXX for the mortgage. I tried to call again 3x after emailing the screen shot of the charge and they would always put me on hold and the call will drop. Horrible customer service and the fact that they couldn't issue immediate reversal of charge electronically and have to issue checks is absurd. In this time of pandemic every XXXX matters.

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 2021-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a XXXX amount on my credit report with XXXX XXXX from XXXX XXXX in which I don '' t my balance is around XXXX can not contact 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 2021-06-11 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: NJ

Complaint narrative:
A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus ( XXXX, XXXX  and TransUnion ) I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a school district which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
My car finance company called to thank me for paying on time for the past 4 months and asked if I would like to lower my interest rate. I had to take another call and in that time he ran my credit without my permission. He called me back and said he can lower my interest rate to 20 % after looking at my credit. I paused and explained I never gave permission for my credit to be run. Im in the middle of looking for a new home and having a baby in XXXX so I would never allow my credit to be viewed while Im in this process because a home is more important right now. He apologized for doing this and said he has never done this before without permission and this was the first time. He gave me the number to the credit bureau to file a dispute but the credit bureau said they cant remove it but that only the financial institution can which he told me that he couldnt. One Main Financial is the company that ran my credit without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: PA

Complaint narrative:
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX  I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CT

Complaint narrative:
I answered a phone call that said spam likely today and it was a collection agency saying that a company was going to sue me and garnish my wages. I asked what company and they said it was a Payday company that I borrowed money from XX/XX/2013 called Castle payday. I recall borrowing money and paying it back to this company 1 time with no issues the second time they took more money back then was agreed upon so I canceled the bank account if I remember correctly. I was XXXX on XXXX at the time and still am and was never notified. They have an address on file that I moved out of 9 years ago. They told me they would settle for {$160.00} today by XXXX XXXX. and I wouldn't hear anything from them again. I find this all funny and don't trust it because I believe I paid back this company in Access and they said that they sent a letter asking for {$500.00} and they could settle out of court. I feel like this is a scam because I have no proof or evidence of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/XXXX, XXXX P.T.- attempt to place a freeze was met with a window that said : The TransUnion Credit Freeze Service is temporarily unavailable. 

I called TransUnion, and after verifying my information, I was informed through automation that the information I submitted is incorrect. This is not true. I have been able to freeze my XXXX, XXXX  with no trouble. I can login to TransUnion without issue. 

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. 
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. 
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: GA

Complaint narrative:
( Credit control LLC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2021-06-11 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I tried to attend an online education program back in XXXX by XXXX XXXX. After like 3 weeks I felt the program was a waste & advised them to close my account. Well the account ended up in collections in XXXX. I don't know if this even is the same company that tried collectiing before or a different one. This collection company that this debt was sold to is reporting it as a new debt opened up in XX/XX/XXXX. This is not the case. Maybe that's the day they acquired the debt but the debt is approxiatemately going on 3 years old. I've disputed the accuracy of these dates on my credit report multiple times to no avail. I have not received any proof as to when this account was closed and/or opened by Ability. Both XXXX XXXX & Ability have multiple complaints against them on the XXXX  website about their collection antics! I want the correct dates on my credit report as to when this acct went into collections not when it was bought & sold to a collection agency! XXXX XXXX will be my next complaint.

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 2021-06-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITICARDS CBNA - XXXX is an authorized user account that needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : LENDMARK FINANCIAL SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report.

Company response to consumer: Closed with explanation