vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2020, I opened a Chase Total Checking Account. On XX/XX/2020, I set up a direct deposit to my account from my employer to take advantage of a promotional offer of {$200.00} for a new Chase Total Checking Account with a direct deposit set up. However, when I opened my account with Chase, the webpage timed out and removed the promotion coupon from my application, without my knowledge. On XX/XX/2020, I spoke with a Chase Customer Service Representative, and they proceeded to tell me I did not qualify for the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 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: Avant Credit Corporation
State: IN

Complaint narrative:
Hello, I applied for and was given a loan of XXXX in XX/XX/XXXX with Avant , LLC. The rates and terms were better than hard money lenders I had come across while looking for funds to complete a rehab after running out of cash. My credit is NOT bad as I have PERFECT repayment history, low balances, and a good mix of creditors. I paid this loan off in 8 months, on XX/XX/XXXX. This company falsely reported my XX/XX/XXXX and XX/XX/XXXX payments as late which is absolutely incorrect, costing me 34 points on my credit due to some sort of computer glitch. Of course, there is no one that I can speak to that is able to solve this matter expeditiously. I am currently working with a bank to purchase a house and this has set me back horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Best Buy card was never not in my possession Purchases were made on my account in Best Buy store without the physical card in the amount of {$1200.00} and {$220.00} on XX/XX/2019 and XX/XX/2019 respectively. 
I reported this to Best Buy immediately. The charges were reversed, the card was closed and a new card was issued. The following month the charges were added back to my new account. 
I have spoken with Best Buy customer service approximately 15 hours, written emails on my account, sent a detailed written letter on XX/XX/2019 in an attempt to resolve the problem. I received no response from any of my attempts to resolve this matter. 
Best Buy refuses to reverse these charges, continues to accrue interest and continues to report the account as delinquent to the credit bureau.

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 2020-01-24 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: CA

Complaint narrative:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Liberal Finance Service
State: NJ

Complaint narrative:
Today I received a letter in the mail from a company I never heard of and was not on my credit file threatening to sue me. I have no idea what this company is, the services they provide, how much they claim I owe and if anything what services I was provided. I need to be provided with an original contract with my signature, social and copy of identification. What dates I was supposed to have acquired their services and on what grounds am I to be sued. As per section 609 and 611 of the Fair Credit reporting act I am within my rights to request from them 100 % proof not copies of any bill as to what this account is for and it's mine.

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 2020-01-24 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: CA

Complaint narrative:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.

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 2020-01-24 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: CA

Complaint narrative:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.

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 2020-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
Final email was on Mon, XX/XX/XXXX, XXXX XXXX. 

Cardinal Financial had reached out to my CPA with me unaware. Cardinal Financial asked my CPA to write a " comfort letter ''. Cardinal Financial will not accept tax returns or 1099 's or W2 as proof of income for a sole proprietor. My CPA told Cardinal Financial that would NOT write them or any mortgage lender a " comfort letter ''. CPA firm contends they file my taxes as truthful and honest and signs the tax returns. This is proof enough that the income on tax forms is correct. 
With that being said, Cardinal Financial tried selling us a more expensive mortgage. So I had to rescind our loan process. I asked for my cost of appraisal back and they agreed only if I would sign a 6 page gag order settlement ( which I can share ). I refused because I saw on this site they had 20 calendar days to reimburse all cost associated with getting the loan.So low and behold after I let them know of this my money was refunded in about 5 business day. Without signing the gag order settlement! 
Now, I have asked Cardinal Financial to reimburse me {$350.00} which is the amount my CPA charged me for having to deal with Cardinal Financial. Cardinal Financial has  denied my claim for {$350.00}. I am only asking them to reimburse me the XXXX. 
My contention is that the {$350.00} was part of the cost of securing the refinance we were after and which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Creditors Bureau USA has contacted me several times regarding an expense for a test conducted by XXXX XXXX that was covered by my insurance. XXXX is intentionally trying to double-bill me. On XX/XX/20, I was contacted by them again after my insurance company, XXXX, confirmed that I should not be billed for the expense. The caller lied on the recorded line and said that he spoke with XXXX and that they said that they did not cover the test. I requested not to be contacted by Creditors Bureau on a recorded line with the same caller. Today, XX/XX/20, I received an additional threatening call on a recorded line from Creditors Bureau USA even though I had requested to not be contacted by them again. The caller said that he erased my phone number, but they will continue to try to contact me even though I requested that they do not on the recorded line. Both Creditors Bureau USA and XXXX XXXX have tried to extort me for a bill that I do not owe money on because my insurance plan covered the test.

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 2020-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
purchase appliances in home depot through home depot credit card on as 24 months interest free but forgot to payoff the balance within 24 months- Interest of entire purchased amount for 24 months was posted on account. 
Ending Balance was XXXX - posted for 24 months interest {$1100.00} with new Total - {$11000.00} on credit card statement. Try to call couple of time customer service but no use.

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 2020-01-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I was involuntarily laid off from XXXX XXXX on XX/XX/2019. I recently contacted Macy 's XXXX XXXX to inquire if I had credit protection benefits with my card. I was advised on XX/XX/XXXX that I did and given reference number XXXX. Rep stated that I should receive mail in 10-15 days for next steps ( where to send in information, etc ). I requested to receive by email and was told 3-5 days. I called again on XX/XX/XXXX and s/w XXXX and was given another reference number XXXX. I requested for a supervisor and was told none available and that someone would call me in 24-48 hours. I have yet to receive a call back. This rep could not locate any information from the previous rep. I called again XX/XX/XXXX and s/w supervisor XXXX who once again could not provide any information and stated that she would send request to resolution team. Today I receive a letter in the mail dated XX/XX/XXXX, stating " Dear customer, we are in receipt of your request regarding your recent inquiry and your request is currently under review. Please allow up tp 30 days to complete this review. We will contact you once our review is complete. 

When I called today, the rep transferred me again to XXXX who was unable to provide any information. 

I am getting the run around as if they not want me to utilize the benefit. No form to complete, no call back, no information from anyone on why it is taking so long to receive paperwork to initiate this process. Yet, I am still unemployed and required to continue to make payments while someone reviews my claim. However, as of today, no claim has been submitted because no one can tell me if /when I will receive it. This is very frustrating and stressful. I need help in getting this resolved. I am unable to continue making payments.

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 2020-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 
Ive recently been a victim of a debt consolidation company that causes a big impact on my credit score. One of the agreements with them is that I can not make any payment with chase cards until they negotiate a payment plan reduction for me, which I didnt know that will causes my credit score to dropped dramatically. 
Ive already cancelled my contract with them but I still need to chase to update this in their system so that they can adjust the credit bureaus to bring back my original credit score. 
I can be reach by email XXXX XXXX XXXX or my mobile at XXXX. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have been receiving threatening calls from XXXX XXXX  XXXX on behalf of Platinum Holdings LLC. These messages are regarding a debt where the last payment was made in XX/XX/2012. I have been told I will be sued and they will garnish my wages. I have never received a validated letter of the debt owed. XXXX XXXX  XXXX as well as Platinum Holdings LLC has refused to give me a validated letter. I have received a generic one via email from XXXX XXXX  XXXX as they refused to mail me anything. They said if they mailed me anything it would be court papers.I told them I never received noticed, they stated they did not care because they sent notice. I asked what address they sent notice to and they did not have the correct address to where I currently live and stated it is not their job to " chase '' me, to notify me of the debt owed. When ever I call to ask for validation, they refuse to give me an address and say it is too late and I am already in the legal process. I read back my social security number to and told me there was nothing I can do, I have no rights and I will be sued. They also been calling at XXXX XXXX, calling my family members, showing up at family 's homes, and calling previous employers trying to collect and give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
My loan has switched from XXXX / Yamaha to Yamaha Finance. My payment was {$180.00} on my XXXX account. I also had sent my XXXX payment in to XXXX in XXXX. The statement shows that I am behind a month and that my payment is {$210.00} per month but does reflect the same interest rate. I have made multiple attempts to reach someone by phone and email but have not gotten through to anyone. My first attempt to contact them was on XX/XX/XXXX. I was on hold for 2 hours, the next day for 1.5 hours. I recieved a number on a facebook page to call XXXX. I did reach a person who took my info down and stated a superviser would contact me within 24 hours. Now that number only rings and no one answers. I sent an email the same day and only received an autoresponce that someone would contact me soon. This is a huge issue and multiple people have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions , LLC sent me a debt collection letter I sent a dispute and asked for verification, which they have not provided. They continue to call ( sometime multiple times per day ). They claim they never got the request for verification but I sent it certified and the post office delivered it on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Original debt was from XXXX for switching from XXXX to XXXX from XX/XX/XXXX. XXXX did not pay the ETF as stated. The original amount was roughly {$600.00}. XXXX and the collection agency now states it is double that and reporting it as {$1200.00} owed on my credit report. I have no other collections nor bad debt on my credit. I have no problem paying what I owe but I did not owe {$1200.00}. I finally attempted to settle and was told over the phone that upon paying the settlement of {$370.00} on XX/XX/XXXX with Jefferson. They assured me they would delete upon payment. After disputing with credit bureau they updated the XXXX  report as only reflecting that I simply made a {$370.00} payment and the balance of {$880.00}. When calling them to ask why did they not just tell XXXX  it was paid and settled and to delete as per their verbal agreement they proceeded to tell me that " well a lesser balance owed is going to look better on your report anyway '' NO!! That is not what was agreed upon!!! They even sent a letter to my email stating " payment was made and closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.

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 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/19 NewRez, my mortgage company, took {$910.00} from my escrow account to pay an insurance premium for another customer of theirs ( not my own ). Around that time, my insurance agent and I communicated with the NewRez insurance department about this error and we were told that it was being corrected. However, it is over 5 months since then and this issue still has not been corrected. The " escalation agent '' assigned to my account has shown no sense of urgency in getting this resolved and does not return her voicemails. Additionally, the hold time when calling the NewRez insurance department has been as long as 5 hours. These factors have made it virtually impossible to communicate with the company regarding this issue. On top of this, I have been told the reason that my account has not been credited yet is that NewRez is waiting for a refund from the insurance company that was paid with my money, a matter which has no bearing on when and how my account should be made whole.

Company response to consumer: Closed with explanation