vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My local Chase branch closed due to COVID-19 and I have been unable to make deposits of cash or special checks ( like US Treasury checks ). We have therefore had cash flow issues. 

On my credit card ( ending in XXXX ), I paid only the minimum payment even though I am usually a " pay in full '' customer. I was only able to make the full payment of the balance on XXXX XX/XX/2020. 

I requested a reversal of the {$500.00} of interest charged in XX/XX/2020, and {$510.00} of interest charged in XX/XX/2020. I explained to Chase that not only was their branch closed, but that I was unable to use their website due to a persistent error that made it impossible for me to add a " pay from '' account. 

I do not think this is a fair situation. I have tried to call Chase multiple times and have had difficulty reaching someone due to extraordinarily long hold times. Furthermore, other branch representatives have told me multiple times to " not worry about it '' and that fees and interest can always be taken care of later. Chase also says in public that they are assisting customers who need assistance due to difficulties with COVID-19, but I am not satisfied with their response. I have been a very good Chase customer and have always paid my bills on time. The only reason I was not able to make my full payments on time during in the past couple months was due to Chase 's decision to close their branch, make it impossible to reach someone by phone, and not have a working website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have purchased a diamond ring for a {$570.00} and promotional 0 % interest for 6 month beginning XX/XX/XXXX. After that i purchased a pair of diamond earrings for a price of {$900.00} and 0 % promotional period for 12 months beginning XX/XX/XXXX. Every statement from the Comenity Bank - Zales Jewelers showed 2 separate plans and dates and amounts needed to be paid off to avoid paying accrued interest. I have paid off first plan ( 6 months long ). My mistake was that i didn't pay attention to exact date, was late few days and accrued interest was added to existing balance. I am not disputing this. Payment I submitted was enough to cover payoff amount plus minimum payment for XXXX of XXXX. 
Adding {$71.00} apparently was not enough for this greedy bank. Next month statement suddenly changed payoff amount on second plan and started charging monthly interest on remaining balance. I have contacted bank on 3 separate occasions to resolve this. Once they run out of arguments, they simply hang up. One rep even told me that their system doesn't know when you submit payoff amount to which plan to apply payment. 
Until now they charged me {$33.00} interest on 0 % 12 month plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid some {$11000.00} thru my Citi XXXX XXXX for a cruise on XXXX that was eventually cancelled due to the Coronavirus. XXXX refunded my {$11.00}, XXXX on my Citi XXXX XXXX on XX/XX/2020 and since that date I have been trying to get the credit balance of some {$10000.00} transferred back to my checking account. 

I keep getting a different story each time I call. On XXXX I was told it was approved ( not sure what needed to be approved since it was my refund ) and the transfer would take place in a few days. I called again on XXXX and was told it was approved on XXXX and would get it in a few days. 

Citi XXXX is holding a large sum of my money and I could use it in these difficult times. They have no trouble charging me interest if I am one day late but can not seem to find the time to refund my money

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My Citibank Diamond and Thank You Preferred cards decreased my credit limit an enormous amount because I am " using them more lately. '' I'm using them more lately because I haven't been able to work during the COVID crisis. I was depending on my credit to buy groceries, etc., through this hard time that we are all going through. I have made no late payments, have not skipped any payments, or asked to defer payments. Payments have continued to be made as agreed. They decreased the limits on both cards to the extent that I have {$36.00} available credit on the Diamond and {$56.00} available credit on the Thank you Preferred. They basically cut off every bit of credit that had extended to me. I have called and emailed the company explaining the circumstances. I spoke with XXXX XXXX who was very rude and offered no assistance. Not only has this cut off all credit that I needed, it also has substantially damaged my credit score by decreasing the amount of available credit I have. I am simply asking that Citibank restore my credit limit on both accounts. They will continue to be paid as agreed as they always 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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed for bankruptcy, chapter XXXX, and it was discharged. This account with Navient was opened over 11 years ago, and it shows that I owe more than the original loan. I have not paid in years ( since XX/XX/2017 ) This installment loan should be charged off and deleted from my credit report based on the years it has been open and unpaid. Instead it just sits in my report negatively impacting me for years without end in sight, gathering accrued interest. I will never be able to pay this, and do not plan to pay this account. I filed chapter XXXX because of an abusive marriage and divorce, and now am a single working mother with full custody and no child support for XXXX young children. Navient has never been open to working with me in years past to resolve this, so I am asking for it be closed and removed from my report so I can try to clean up my credit and move forward in my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was the sent a 50 page account of text and incoming/outgoing phone calls Made on the account. That said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor, no application For the account bearing my signature, no copy of the agreement between the original creditor authorizing XXXX XXXX  to collect on their behalf. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No prof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on XXXX  and Equifax. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2020 my wife and I submitted a joint application for credit from XXXX XXXX through a link on website provided by XXXX XXXX in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from XXXX XXXX notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/2020 I attempted to send {$25.00} to a friend in XXXX via Western Union. He twice tried to collect the money at his bank, but the transaction was declined. Western Union then cancelled the transaction and refunded the money to me. Today, XX/XX/2020, I received a letter ( attached ) stating the reasons for the denial. Their claim that I initially contacted them is false. I spoke with their customer service today and inquired why I received the letter. They stated that the transaction was " flagged '' as being fraudulent but they could not explain their reasoning. They said that they would email a response. This is nonsense. I've owned the bank account for more than a decade and I personally know the recipient. There was no fraud here. 

On XX/XX/2020, I resent the {$25.00}. This time it went to a Western Union location rather than a bank. Again, my friend was unable to receive the money. I called Western Union on XX/XX/2020 and they informed me that a refund is in progress. Again, they could offer no explanation as to why the transaction was declined. 

During today 's phone call, I informed their representative that using words like " fraud '' and " money laundering '' was crossing the line. I informed them that before using such language they need to provide proof as justification. 

I've never had such difficulty in sending someone as small an amount as {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had deposited five pieces of money order into an ATM branch of Chase bank, located at XXXX XXXX XXXX, XXXX CA XXXX on XX/XX/XXXX. Each money order has an amount of {$1000.00}, a total of {$5000.00}. I have many pieces of evidence to sue the bank for suspicious activity. First, the ATM received my money orders, but could not process and freeze at the loading screen. I went inside the bank and asked for help from one of the bank associates. She refused to go out and help me with my problem, despite the customers that were waiting for their turn. She told me to press the canceling button. Nonetheless, the money orders were not dispensed out, only the receipt saying the transaction could not process. I went inside to get help again, the bank associate then helped me make a call to open an investigation. She told me the investigation takes 60 days. Ive waited patiently amid the pandemic. They dont know how my family struggles to pay for the bills. We truly need that money to pay the rent. While waiting, I received a letter from the bank, saying they saw the transaction that was made by me on XX/XX/XXXX, and that it was legitimate and authorized. Ive waited until about 40 days, I called again to check on my case, just to hear a shocking statement. They have closed my case!!!?? Without any notice and customers knowledge, its unacceptable of how they straight up deny their responsibility. They said they have investigated and could not find all FIVE pieces of my money orders. I asked about the confirmation letter that they sent me about how they received my money orders, to hear a disturbance truth that theyve sent a wrong letter!!?? I am very stressed out by their blatant lies. Ive made and recorded phone calls, talking to the bank supervisor. Literally, every time they hung up the phone while we were still talking! I know its in the middle of the pandemic, but it was a very inconsiderate thing to do to their customers. I requested to see the bank/ATM security camera, they told me they dont have the authorization, and that I have to go to the police department to file a police report. I went there, but the police department is closed due to the pandemic. I then called the number on the notice of their front door. A woman greeted me and I told my story. She then told me the police do not solve these cases unless theres a robbery or a murder, and that my case is only a civil case. The bank has every right to open the security camera to see the footage. She told me to speak to the bank supervisor and ask for a subpoena. My life has been stirred up because of their irresponsibility. I do not wish to make this a big deal, which I could. I am filing this complaint to the CFPB as my last action before I made this a big deal, if the bank keeps hiding and denying their responsibility. I am begging you, the CFPB to bring me justice and show them their wrongdoing. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
his complaint is regarding Capital One, in my last CFPB complaint I indicated that the person who has my card stopped paying and is not in contact with me. I do not know the address of XXXX XXXX. I don't have any way to pay the bill and when I attempted to contact Capital One they did not provide me any options. I am not able to use the phone. When I attempted to access my online account for my screen XXXX could not reset the password because I don't have possession of the card. I indicated I do not have a phone. I am not able to pay for the bill. I have not personally received any bills. I am requesting options to defer payment and asking Capital One to please put a stop payment due to the circumstances however Capital One will not contact me via email or provide me options to accommodatemy circumstance. I need for Capital One to accomodate me via email and I need for them to allow me to reset the password for my online account and provide me options to defer payments, change the address but they have not accomodated. Please review the letter they provided me and I am requesting that they please defer payments and stop collection activity, to send to the correct address as well as to reset my password so I can login to my account. As stated I do not have a phone to call.

Company response to consumer: Closed with explanation