vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello XXXX XXXX XXXX Claim # XXXX Per the company response about the debt ( please see highlighted parts ). They stated all charges are clearly reflected on the documents provided ( incorrect statement ) per page labeled 1-11 the transactions amount doesnt add up to the transaction listed. It was also stated that the second page of the statements contain no information relevant to the charges also an incorrect statement. 

Page 1 transaction and tradition total match Page 2 transaction and tradition total DONT match diff of {$1400.00} Page 3 transaction and tradition total DONT match diff of {$830.00} Page 4 transaction and tradition total DONT match diff of {$180.00} Page 5 transaction and tradition total match Page 6 transaction and tradition total DONT match diff of {$100.00} Page 7 transaction and tradition total DONT match diff of {$20.00} Page 8 transaction and tradition total DONT match diff of {$380.00} Page 9 transaction and tradition total match Page 2 transaction and tradition total nothing listed Page 2 transaction and tradition total nothing listed Total transaction proven per the documents provided is {$720.00}. There is {$2900.00} unaccounted for per the documents provided. I will pay what has been proven in full today ( {$720.00} ) minus the prior payments totaling {$110.00} to a total due of {$610.00}. Once I pay the full amount of {$610.00} the account should show as paid in full and cleared from my credit report as a collection. Please advise. Please keep the case active until resolve. Thanks in advance I can be contacted at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX  is reporting bogus apartment debt. The account # is XXXX. I requested XXXX XXXX to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything

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 2019-12-03 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service 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 2019-12-03 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: DISCOVER BANK
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Went in for their XXXX special on XXXX  XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX  and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX  which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX  review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service On-site Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service 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 non-monetary relief
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED 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 non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have many erroneous and unverified items on my credit reports with Equifax, XXXX, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I haven't dealt with a bank that constantly provides there customers with misinformation constantly and never seems to be corrected. On XX/XX/XXXX I filed a claim for merchant dispute claim # XXXX in reference, to the Merchant only supposing to debit my account for one total transaction of {$320.00}, but instead made 5 small debits which totaled the amount and I received a notice on XX/XX/XXXX the claim was denied and the credit would be reversed. I contacted Bank of America on XX/XX/XXXX and spoke with XXXX who explained that once the transactions post, BOA would waive the fees. On XX/XX/XXXX, I contacted BOA on spoke with XXXX and asked if possible, if I could get a extension until XX/XX/XXXX, before the transaction or credit would be reversed would post because experiencing a hardship and she advised me she would have a supervisor escalate this form over to claims for the extension. On XX/XX/XXXX I reviewed my account and contacted Bank of America and spoke with XXXX, who explained to me to get the extension the request would have to be submitted 48 hrs prior and transferred me to Manager XXXX who said she would review the calls and followup with me on XX/XX/XXXX and they did reverse fees of {$140.00}. I spoke with XXXX in Claims who advised me would send my request to see if they stop any further fees being accessed and reversing credit, and was contacted by XXXX in the Executive Office on XX/XX/XXXX who was the most unhelpful individual, first telling me he use to work in Claims, and before we got a chance to discuss my concerns he wanted to tell me how things were, who refused to acknowledge any inaccurate information given by their company representatives or offer an apology, and just gave me typical bank jargon, and referring me back to the merchant. I have been with this Bank since XXXX, but I see now it's time to change banks and after speaking with XXXX again on XX/XX/XXXX, it's making my decision to go to a different bank much easier because in my opinion nothing has been resolved nor has ongoing part of them given inaccurate information constantly.

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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
All our business account deposits goes on hold from 3 to someone's 14 days, our business based on purchasing inventory. No one is able to provide a reason or take the hold off. Our account keep going in the negative, checks are getting returned with a lot of overdraft fees. We are held back from committing to our promises, the business financial records is in a very bad shape due to not being able to commit to payment when the company average {$60000.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I disputed a debt to Levitz Furniture it was resolved and paid on XX/XX/2014. I received a correspondence indicating the debt was paid in full and no further obligation. Now 5 years later I am getting constant harassing calls so are my family, friends and even co workers attempting to collect the debt. When called back they have 2 names XXXX XXXX XXXX XXXX and claim they have a Complaint to serve or they say they are XXXX XXXX XXXX XXXX and are filing a Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED 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 non-monetary relief
Consumer complaint received 2019-12-03 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: CO

Complaint narrative:
I bought 2 round trip airline tickets from XXXX. They said they were charging me roughly {$2000.00} for the tickets. Later I only received a confirmation for the return flights, not the outbound flights and was charged roughly half the cost. 

I called them and they said there was a problem with the outbound flights but did not know why they had not gone through. I told them I do not want return tickets if I am not getting outbound tickets. They refused to cancel or refund my money. 

I called Chase Bank who I have my VISA card though. I told them I was ripped off and scammed. I said I was told I was buying round trip tickets and was only sold one way tickets. I said the company would not refund my money. They said they can not do anything because of the state the charge is in. I told them I am reporting a scam and being ripped off and expect them to look into it. I told them I do not care what state a transaction is in. I will not pay for one way return tickets. I let them know I was furious at reporting this and having two people tell me there is nothing they can do. 

This conversation was recored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have many erroneous and unverified items on my credit reports with XXXX, XXXX, and TransUnion. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have many erroneous and unverified items on my credit reports with XXXX, Experian, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.

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 2019-12-03 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I made a purchase with XXXX  XXXX using Shop through Chase on XX/XX/19 on my Freedom Card for {$150.00}. The Chase Ultimate Rewards site stated that I would receive an additional 6 points per dollar spent shopping through that site. I clicked through the site and was transferred to the XXXX  XXXX   site, where I proceeded with the purchase. I followed all stated rules on the Ultimate Rewards site - continued in the same browser window, didn't use any outside coupon/promo codes, etc. When I hadn't seen the activity show up in my Ultimate Rewards account, I reached out to Chase to inquire about it and they told me that I was not eligible for the bonus points because I didn't shop through their portal, when I did and followed all posted rules completely. This is unfair and deceptive that I wasn't given the points promised if I followed the rules and shopped through their portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am currently in the process of refinancing my current mortgage. My loan officer asked for 12 months of payment records from my current lender. I reached out to SLS ( loan # XXXX ) and began to go through the process of requesting a verification of mortgage and payment history. I was shocked to discover that my payment history was missing a XXXX payment. I contacted SLS to discuss my concern and request that the payment history be corrected to reflect the payments I have made. During each of the 10 conversations that I had with customer service technicians, I made them aware that two payments were lost during XXXX and XXXX or XXXX and that I provided SLS with copies of cashiers checks, stamped received by SLS, proving that payments were made. SLS reversed all late fees and contacted credit reporting companies, but failed to accurately report the missing payments Each one of the customer service representatives indicated that they had access to information confirming that I made payments during the months of XXXX through XXXX and that I had no late payments from XX/XX/XXXX to present. Unfortunately, the customer service representatives were unable to find a report containing the accurate information that I needed to continue my refinance. 
I asked for a letter listing my payment dates and explaining that I did not have any late payments, to no aviail. I now find myself in a position where I can not proceed with the refinance process, until this my payment record is corrected. I am currently losing money, as I have paid for an appraisal and other fees connected to this loan. I am hoping that you can help encourage SLS to correct my payment history.

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 2019-12-03 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: Innovis
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I began an application process for an American Express card online. Before submitting the application I was notified the spending limit would be pre-approved at {$2000.00}. I contacted Amex via their website chat option and asked about a higher limit. I informed them that the XXXX limit wasnt worth a hard inquiry on my hard-earned credit score ( XXXX ), and was informed that it was standard and I should submit the application and as soon as I receive the card I should call and they will increase the limit. That was false. American Express does not consider limit increases for at least 60 days. Not coincidentally, their offers for free balance transfer expire at 60 days. 
Their customer service has been unhelpful and at times adversarial. 
If I close the card and open a different one it will further damage my credit. 

I consider this an act of fraud and mistepresentation which had damaged my credit score.

Company response to consumer: Closed with explanation