vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am a XXXX student with a XXXX  checking account open with chase and they have been charging me a XXXX $ for well over a year when it was explained to me that the benefit of having a college account is that the service fees are waved. I reached out to chase three weeks ago and have been moved around to new people every time I inquire about solving the problem and have accomplished nothing. Chase is making it almost impossible for me to get get my money back that they have wrongly taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Around, XX/XX/2020 I was paying my credit card bill on my Discover card. I sent money inside an envelope to Discover Card to pay my bill. So I sent in {$620.00} in 20 dollar bills and some one dollar bills. Some 10 dollar bills and 5 dollar bills to Discover Card. I noticed it never arrived on my credit statements. So I called Discover Card several times at customer service number. The lady that answered my Questions said they never received any money there and I knew that was not the case, so she said maybe the postman never picked it up or maybe the postman took it. I knew for sure he picked it up because I made sure he received it. So I called customer service again and I dont know if it was the same lady from before but this lady said go to the post office to check, so I did. I told the counter post office worker the problem I was having and he said the postman that picked up my mail would never go thru anyones mail even if he knew money was in it, and the postman definitely delivered the mail to Discover card and they received all my other mail that was sent to them. I found out that the post office counter worker was telling me the truth and Discover Card allegedly was not telling me the truth. I called Discover Card again to ask for my {$620.00} dollars back and I knew they had received my money all along. They said they cant help me ... sorry. I was able to send that amount of money to Discover Card because my car insurance company gave it to me because they owed money to me. PLEASE HELP ME RESOLVE THIS PLEASE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One Venture Credit Card I had earned over 95,000 rewards points ( worth about {$1000.00} ) on a capital one Venture card. 

On or around XX/XX/2019 I used those earned points to purchase airfare, that trip was cancelled due to covid-19 the fees were refunded but the points never were. I called and requested that they are, they saw the purchase and points and they agreed they should be refunded, but said because it had been 180 days they can't credit the points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: SC

Complaint narrative:
These are complaints with cash app/square account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX   XXXX taken from my account XXXX XXXX XXXX  refunded to the card for XXXX missing from my account Plus XXXX that was already there thats missing also This account has been closed for cash app and square since XX/XX/XXXX in the photos you can clearly see that all other transactions were declined I just want my money I have contacted my bank there nothing that is coming off my account at XXXX XXXX as of now because I froze the account but cash app nor XXXX will contact me back Below is photos of the statements Even authorized companies that payments were declined because this account has been closed since the beginning of XXXX and still no one has contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom Credit Card -- Received statement XXXX 2020 that contained a late fee of {$27.00}, though I had sent it in over a week previously. Contacted Nordstrom credit in XXXX to have the late fee removed, and signed up for AutoPay to have my entire balance paid off each month when due. 
I received a printed statement in the mail for the period XX/XX/XXXX to XXXX XXXX, 2020, due XX/XX/XXXX, 2020.  However, when the payment was due on XX/XX/XXXX, I looked online to see that my the bill had not been paid through AutoPay, so I phoned the credit card services and entered information to pay it electronically. However, I received a phone call from Nordstrom Credit Services, and the person at Nordstrom credit services told me my electronic payment didn't go through, my payment was overdue, and he had me make a payment through my bank debit card. He told me he would call the next time my payment was due to let me know if all was well. He then left me a phone message on the due date of XX/XX/XXXX2020 that said everything was OK with my account and AutoPay. Today, XX/XX/XXXX20 I received a printed bill in the mail that showed both the XXXX and XXXX due payments had not been paid from AutoPay. We phoned, asked to talk with a supervisor, who wouldn't listen to me telling her that no payment had yet been processed successfully through AutoPay. My husband, whom I authorized to speak, read her the check number once again ( this had already been checked twice before ) and verified it was the correct number I entered into AutoPay. She would not admit any mistake. Because this has been an ongoing, unsuccessfully dealt-with issue, my husband paid the the balance off in full on the phone with a credit card and closed the account, per my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CA

Complaint narrative:
XXXX XXXX XXXX keeps refusing to remove the inaccurate information on my Credit Report on Transunion, they updated it on XXXX  but not Transunion

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 2020-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NV

Complaint narrative:
XXXX/Direct Express let XXXX XXXX  fraudsters between XX/XX/XXXX and XX/XX/XXXX steal over {$550000.00} from my Direct Express Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NY

Complaint narrative:
To Whom It May Concern, I am writing this letter in regards of my dispute charge with Chase Credit Card for the amount of {$420.00}. I had to dispute the charge because I could not get it back from travel agency from where I bought it. I had a flight to XXXX, XXXX on XX/XX/2020. I bought this ticket through the XXXX XXXX   XXXX online on XX/XX/2020. Due to Covid-19 pandemic, my flight was canceled by the XXXX ( XXXX XXXX ). I contacted XXXX on and/or around XXXX XXXX when the flight was canceled, but they told me to contact to the travel agency for a refund. The next day I contacted the travel agency XXXX. They told me that I will be entitled to a full refund since the airline is canceling the flight. I waited for more than 3 weeks and never received a penny from XXXX. Then I called my chase credit card and disputed the amount. The travel agency XXXX fought back my dispute by saying that my ticket was non-refundable. My credit card rebilled the amount back to me. Their response was that the ticket was non-refundable and non-exchangeable. The ticket was indeed non-refundable and non-exchangeable only in the event if I canceled the flight myself. In this case, the airline is canceling the flight due to the pandemic. Even the U.S. Department of Transportation says that : " In the following situations, passengers are entitled to a refund of the ticket price and/or associated fees. '' Canceled Flight A passenger is entitled to a refund if the airline canceled a flight, regardless of the reason, and the passenger chooses not to travel. 
Schedule Change/Significant Delay - A passenger is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the passenger chooses not to travel. 
It has been three months now and I did not get any money from the travel agency XXXX. In addition to this Chase is making me pay for the services that I never received. I ask for your assistance and help to protect my consumer rights during these financially challenging times. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: VA

Complaint narrative:
I I opened an account with XXXX XXXX on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into XXXX XXXX and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that XXXX XXXX remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. 

I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. 

Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. 

This seems intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. On XX/XX/2020 I wrote a letter to Equifax to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MI

Complaint narrative:
XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

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 2020-07-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MI

Complaint narrative:
XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
My apartment experienced toxic mold following an air handler replacement. While the company acknowledged it they expected me to pay for remediation. They never did remediation but a deep cleaning. The mold came back. I developed serious health issues ( XXXX, XXXX XXXX, XXXX, XXXX  ) and after a back and forth with them and their attorney I broke my lease and moved. They sent a 'bill ' to Hunter Warfield Collections saying the damage to my apartment was from nicotine and charged me 7k in fees!! I requested a debt validation from Hunter Warfield in XX/XX/2019 with what I am entitled to by law and if they did not provide this they had to delete my account and remove from credit reporting. I did not receive anything from Hunter Warfield. All other letters and emails have been ignored except for them sending a 'bill ' now and then. 
This is illegal!!! I will attach emails and files. I hope you will read them. I also have pictures of my XXXX XXXX caused by this mold. The file is over the limit and I can provide to you upon request.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute with XXXX, XXXX, & Transunion regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

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 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi I just want to file a complaint on XXXX XXXX that works for 53rd bank the problem was he calls me after speaking with my godmother about account transfer she was trying to transfer money from one account to the other because she was cosigning for house with me so he calls me and just rant he curses at me say all kinds of things saying I was a fraud Im scamming her this is my godmother Im talking about some I take care of that was moving in the house with me so he went on an asking me my job information and the phone number and I gave it to him because I had nothing to hide and I just dont appreciate Someone calling me and cursing at me that is not professional like I said his name is XXXX XXXX he works with 53rd bank I think its XXXX XXXX Illinois off of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Due COVID-19 problem Wells Fargo Bank had offered financial assistance to their customers. Since I've been unemployed due to COVID I have decided to use their offer to skip my mortgage payments for up to 3 months. They accepted my request of XX/XX/XXXX and sent me letter explaining the next steps ( letter is attached ). At the end of XXXX when 3 months forbearance comes to end the bank asked me if I need more assistance. On XX/XX/XXXX I responded that I am ready to restore payments of my mortgage. The bank sent me another letter stating that everything is good, nothing in my mortgage has been changed, missing payments would move to the end of my mortgage payments, etc ( letter is attached ). On XX/XX/XXXX I made my payment and considered that everything is in order. However, on XX/XX/XXXX the bank capitalized the interest unpaid during forbearance and my principal balance has increased accordingly. More, they have reported to credit agencies that I did not paid my mortgage.

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