vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
I would like to file a complaint against Chase Cardmember Services regarding the mishandling of a valid dispute. I had an issue with an auto repair shop ( XXXX XXXX ) that did not properly repair my vehicle, caused further damage, and returned the vehicle four times over the course of one month, each time unrepaired. I finally took it to another repair shop that fixed it correctly and stated in writing that the prior shop had installed parts incorrectly, causing damage. The disputed charge was made on my Chase XXXX card on XX/XX/2020 ( posted XX/XX/2020 ) in the amount of {$2900.00}. I initiated my original dispute with Chase on XX/XX/2020. Chase never contacted me to discuss the dispute, but sent a letter dated XX/XX/2020 stating that they considered the charges valid. I had sent detailed documentation by fax on XX/XX/2020 that they claimed to have not received. I had also contacted them by phone in early XXXX but only got the response that it was " under review ''. I requested to re-open the dispute on XX/XX/2020, and again sent detailed documentation by fax. Chase responded by letter dated XX/XX/2020 that they still considered the charges valid because there was no billing error. I never claimed that there was a " billing error. '' My claim was that the merchant did not complete a service that I paid for, and the quality of workmanship was completely unacceptable. In fact, they caused further damage in addition to a great deal of inconvenience and extra expense when I was without my vehicle for over a month. In good faith, I expected Chase to be my advocate, and they did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CT

Complaint narrative:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, 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 2020-10-26 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: OH

Complaint narrative:
XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; Experain Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX Experian is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit 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 2020-10-26 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: IL

Complaint narrative:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: IL

Complaint narrative:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
IN XXXX I " BOUGHT '' MY XXXX XXXX XXXX XXXX XXXX HOUSE WITH A XXXX XXXX XXXX XXXX XXXX I SUBSEQUENTLY " REFINANCED '' WITH NJ LENDERS IN XXXX I HAVE BEEN INFORMED THAT NO MONEY WAS PAID OUT TO XXXX XXXX XXXX XXXX WHEN I " REFINANCED '' IN XXXX. THERE IS NO RECORD AT XXXX OF THE MORTGAGE AND NO DISCHARGE WAS FILED IN XXXX WHEN THE ALLEGED " REFINANCE '' TOOK PLACE. I HAVE ASKED FOR PROOF OF PAYMENT TO XXXX XXXX XXXX XXXX WITH THE DOLLAR AMOUNT PAID AND A COPY OF THE DISCHARGE OF THE MORTGAGE. I KEEP ON GETTING PAPERWORK THAT I ALREADY HAVE AND DON'T NEED. I HAVE VERY GOOD REASON TO BELIEVE THAT FRAUD HAS TAKEN PLACE FOR A NUMBER OF REASONS THAT INCLUDE VARIOUS DOLLAR AMOUNTS OWED. 
ATTACHED IS A COPY OF THE LETTER THAT I RECEIVED TODAY. 
I DID NOT REQUEST A COPY OF THE MORTGAGE!!!!!! 
PLEASE PROVIDE THE FOLLOWING : I AM REQUESTING : 1 ) A COPY OF THE CHECK THAT WAS USED TO PAY OFF THE XXXX XXXX XXXX XXXX " MORTGAGE '' 2 ) A COPY OF THE DISCHARGE OF MORTGAGE PLEASE DO NO CONTINUE TO SEND ME USELESS DOCUMENTS. I AM REQUESTING # 1 & # 2 ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
Hello there well i have a loan with regional finance, i was doing just fine. Till all this Came down, i was still paying them i was a couple days late but never as late so they can report, but they reported to my credit payment missed wen it wasnt even late, so laid about it, i was still paying them but. Then I wasnt working at all helping my family at home. 
Then they started to call, they have called me up to 206 times a day. 
Then they got the number of my mother, cause she had a loan there. And e started to call her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX 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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have been in communication with Freedom Mortgage who is my current mortgage company to refinance since XXXX. I have been giving them the documents they ask for on a timely manner. When I provide them my financial documents that they ask for they keep on coming back asking for the same documents. I keep giving them documents and they keep asking for the same documents. For instance they ask me for my profit and loss statement and ask why lab fees are not listed like they are on my taxes. I explained to them that there is not spot for lab fees on a profit and loss statement. So I provided them an expense report and told them the name of the lab company so they can see the lab fees on my bank statement and expense report. I am on my 3rd profit and loss statement because they other ones are too old now. They always come back and ask about the lab fees which I have explained numerous times. Does it usually take 9 months for a refinance. I would maybe understand if I was asking for money with my refinance but I'm just lowering my rate.

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 2020-10-26 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: TX

Complaint narrative:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

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 2020-10-26 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: FL

Complaint narrative:
On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.

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 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I received a phone call from someone claiming to be with XXXX. They stated that there was an error with my XXXX account and needed to walk me through correcting the issue. 

They asked me several questions about my account, my name, my XXXX  account, etc. After asking for the information, They were able to access my account on my phone. They informed me that in order to correct this information they would need me to open my account app so they could ensure it was working properly with the XXXX. 

I noticed when they were doing this, funds began moving from my account through the XXXX app. This first transaction was for {$1200.00} at XXXX, however this transaction failed. I was told this was because my XXXX was broken. The second transaction was for {$1900.00} which was successful. I was told the XXXX was fixed at that point. I was then told the funds were being immediately sent back to the account. however they did not. When I questioned the representative she stated to just hold on a sec she was working to get the funds put back into the account. Then she hung up. I tried calling her back from the number that she called from, however it was a disconnected number. 

I immediately called Bank of America and advised them of what happened so they could try an investigate the theft that had just occurred on my account. They stated they would immediately look into this. 

Almost 90 days later I received a notice from BANK of America stating they would not refund my stolen funds.

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 2020-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
The purchase date of the vehicle is XX/XX/XXXX, the vehicle was financed by XXXX XXXX XXXX XXXX, repossessed in the state of Louisiana, and sold by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. 
Under the laws of Louisiana and UCC 9.506 as well as State XXXX and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX Comenity Bank XXXX XXXX XXXX  XXXX closed due to bankruptcy My account as listed on statement. was suspended at the time. My balance and credit limit {$800.00}. As advised by XXXX XXXX sales associates to continue payments to Comenity Bank. Payments continue XX/XX/XXXX until XX/XX/XXXX of {$35.00} on time XXXX of each month. 
On XX/XX/XXXX I was contacted from Comenity bank concerning my account. I was told my payments will be deferred due to my unfortunate illness ( XXXX ). I request letter in writing of the action toward my account. I later received a copy of my statement showing I still owes over {$900.00} and credit limit increase. I feel that the bank rated my interests and late fees from the current. With my past and current payments totaling over {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: CA

Complaint narrative:
The secured credit card organization First Progress issued by Synovus Bank. The organization strategically delayed payment processing until after the due date in order to post a late payment fee to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: OH

Complaint narrative:
XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; TransUnion Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX  XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit 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 2020-10-26 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: OH

Complaint narrative:
XXXX is reporting Status " paid as agreed '' on Equifax and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX  Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
An account listed as XXXX XXXX & XXXX Account XXXX on my credit report says I am an authorized user, which I am not. I filed a dispute Report NumberXXXX with Experian on XX/XX/2020. I called the credit card company on XX/XX/2020 at XXXX XXXX XXXX and tried to resolve this issue. At that time they confirmed that my social security # was not in their system as a card holder. They also let me know that they couldnt help me without the full account number, which I do not have. I have the same name as my father, XXXX XXXX XXXX and I am certain the account belongs to my stepmother ( she even confirmed the balance that I shared. She even tried to call XXXX XXXX and resolve, though they let her know that they dont write letters to account holders saying who is or isnt on the account, which I was hoping to use to prove I am not an authorized account user on this card.

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 2020-10-26 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: NJ

Complaint narrative:
I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.

Company response to consumer: Closed with explanation