vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have tried to dispute, explain, call email and send messages to Kohl 's Credit Card company regarding my issue with the late payments on my credit report. I explained my situation and they just tell me dispute. I just need the late payments that were not my fault ( I understand they were not Kohl 's fault either ) taken of my credit report. 

The late date showing on my credit report is : XX/XX/XXXX I explained to Kohl 's in message this : '' I am trying to remove a late payment from my credit report with you all from XX/XX/XXXX. I am trying to buy a house and had identity theft and when I tried to make a payment my bank had a security freeze on my bank account I make payments with I called you guys and you all promised to remove from my credit report and now my lender pulled my credit and said that is the only thing hurting my credit. Can you all remove from my credit report please? I would appreciate it thank you '' and Kohl 's replied this : '' Thank you for contacting Kohl 's regarding the negative reporting on your Credit Report. I understand that your credit is very important. At this time we are unable to accommodate your request. It is important for Kohl 's to report accurate information to the Credit Bureaus. If you feel the payment delay was due to Kohl 's error, please fax or mail a detailed explanation of the issue to XXXX, Kohl 's Credit, XXXX XXXX XXXX, XXXX, WI XXXX. Also include any documents that may aid in our review. Please include your full name, address and phone number as it appears on your account. If you wish to further pursue this dispute, you will need to send your dispute directly to the Credit Bureaus. The addresses are : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. We appreciate the time you took to contact us and look forward to serving you again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ditech Financial LLC
State: KY

Complaint narrative:
My loan was transferred to XXXX XXXX XXXX, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with Ditech Servicing prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my business checking account because someone else gave me a check that bounced.I called and talk to an agent after speaking with the person that gave me the check to inform the bank the check might not clear. The agent told me There is nothing they can do, just let it process and return. Two weeks later they close the account. The call with me talking to the agent can be recorded and can be searched in their file.

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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: DC

Complaint narrative:
Southern Management SY reported in XXXX a MajorDerogatory to all three credit reporting bureaus that is inaccurate. We dont owe the client of this debt collector anything. XXXX XXXX, a provider of student housing at the XXXX in XXXX neither substantiated nor provided any proof for their claim. They also never contacted me about their demands. Since I made all payments required under the lease for the student apartment of our son XXXX XXXX in XXXX, I consider these tactics unethical and Im am requesting that the item be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: PlusFour, Inc
State: NV

Complaint narrative:
Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by Plus Four. After receiving the notice via mail from the creditor, they referenced XXXX  as the provider of data. I pulled my XXXX  report to find Plus Four had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to Plus Four dated XX/XX/2017 via USPS Certified mail with Return Receipt. Plus Four received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although Plus Four never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX  file but did not remove the negative entry from my XXXX  file. Due to Plus Four 's failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The personal loan was originated in XX/XX/XXXX with maturity in XX/XX/XXXXwith 5.99 % APR if I had an auto payment from a PNC checking account. I usually transferred money from XXXX checking account into my PNC account prior to auto payment due date ( XXXX of the month ). 
In XX/XX/XXXX they started to charge my checking account at PNC and I was notified before however the payment from XXXX to PNC was not increased by me ( my fault ) and I got my first Not Sufficient Fund! I fixed that issue by changing my PNC checking account type. The payment was paid in full in XX/XX/XXXX without going any cycle past due. 
In XX/XX/XXXX the money was in transfer from XXXX to PNC checking ( the weekend is not counted for transfers ) when I got my second NSF! The payment was paid in full again after the fund transfer was completed. 
After that a series of issues started 1- PNC bank cancelled my auto payment plan 2- they increased my rate 25 basis points. 
After talking to two customer service specialists I was told by both of them, it should have happened after 3 NSF while I had 2 of them so it's wrong and they filed the rate dispute for me. Finally when I asked to talk to a manager he didn't even bothered to look into my account, credit bureau profile and payment history with PNC. He immediately started to say the decision has been made and there's no appealing process or complaining system in place. He mentioned it's a pure subjective decision making process to increase your rate whenever they feel it's needed not 3 NSF as previous agents mentioned. They training has huge flaws. He even couldn't answer my question about how he came up with this idea that my payment pattern is showing a risky pattern!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2019 {$60.00} I have reached out to my bank to resolve the issue numerous times. 

I was asked to pay a deposit for a service up front, and upon a confirmed deposit I would receive the address for the appointment. Once I paid the deposit they young lady was no longer available, and social media accounts were gone. I spoke to my bank numerous times and they are refusing to return my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company contacted me regarding a debt owed by XXXX XXXX XXXX. First they wouldnt disclose their identity until I confirmed my personal information. Second they are stating I owe a bill for an account that has been paid in full.

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 2019-07-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had private loan with XXXX XXXX for 10k come due in XXXX. I made no payments. It was transferred to XXXX XXXXl and then XXXX XXXX. I still made no payments in XXXX I filed a chapter XXXX BK. this loan was included. The discharge was granted and XXXX XXXX  nor any of the other listed companies objected to the court about the discharge. IN XXXX they transferred the loan to Navient and Navient claims I made a payment which I HAVE NOT- further California only allows 4 years for collections it is now 7 years and lastly even if loan with Navient they were also included in BK and never objected with the court. 
Their solution was to reduce balance owed to XXXX and now report the account as open and late- IT is not late it was discharged the statute of limitation for collections has run and their lying about me making any payments. THIS IS A VIOLATION OF FDCP. I want this removed and the account closed for this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
I have recently been denied a loan when my Fico is 700+ because of some random new reporting agency has my score in the 400 range. I have never heard of or seen a company use them until this loan application. I am not comfortable sending my personal information with copies of SS card and birth certificate to them in order to find out who they are and get my score and history that they use to determine such a low score. The company is SageStream , LLC and something needs to be done about them and their business practices. They have compromised way too many people 's information and scores. Again the company is SageStream , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. 

Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: CT

Complaint narrative:
I filed a dispute with Chase in XX/XX/2019 and was given a temporary credit of {$500.00}. I received a letter from them on XX/XX/2019 informing me the credit was removed because I did not provide additional information after merchant contested. I called Chase the same day and explained I never receive any letter or voice mail requesting any information. I was told to fax a request to Chase to reopen the claim, which I did the next day on XX/XX/2019. I called today on XX/XX/2019 for an update and found out the reopening request was denied since too much time has passed after the merchant 's response. 
It's very disappointing that I was never given the opportunity to respond to the merchant 's response, and I was denied a refund for the unfinished work by the merchant after he signed a contract to perform the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: NY

Complaint narrative:
I have made a reservation with XXXX for one day stay at The XXXX XXXX XXXX XXXX   that I later needed to cancel. Upon cancellation I have received an email from XXXX stating that if my cancellation occurred less than 5 days prior to arrival I would be charged {$160.00}. Instead of the correct amount The XXXX XXXX charged my Chase card {$460.00}. I disputed the charges with Chase and a month later received a USPS letter stating that my dispute has been closed and transaction was determined to be valid. I called chase and was told that The XXXX XXXX has submitted printouts from a website I have never seen stating what their cancellation charges would be. I insisted in reopening the dispute and once again, submitted a cancellation email from XXXX stating that my cancellation fees would be {$160.00}. A month passed by again and I once again received a USPS letter stating that my dispute was denied. This happened several times without any explanation of any kind. Chase kept saying that The XXXX XXXX submitted a web site printout and was not paying attention to anything I was sending in. When I received a third denial letter dated XX/XX/19 I called Chase again and was told that even thou they now do see that my cancellation fee should have been {$160.00} and not {$460.00} there is nothing they can do because my dispute time frame has passed and hence charge is deemed to be valid. 
I feel that since I filed the dispute within the allowed time frame and provided all support documentation I should not be paying for Chase incompetence and refusal to even look at the documentation I was sending in. 
Chase caused time to lapse, not me. I provided all documentation since the day I filed the dispute. Why am I responsible for incorrect charges that Chase failed to properly dispute with a merchant?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: IL

Complaint narrative:
MY NAME IS XXXX XXXX. I AM XXXX YEARS OLD SND HAVE BEEN A VICTIM OF FRAUD ON ALL MY CREDIT CARDS. I EVEN HAD TO CHANGE MY BANK ACCOUNT NUMBER. THERE IS A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX  THAT HAS GOTTEN A HOLD OF MY CREDIT CARD INFORMATION. THEY CHARGED MY CREDIT CARD 2 TIMES XX/XX/XXXX {$12000.00} AND XX/XX/XXXX $ XXXX WAS TOLD THAT THE CREDIT CARD COMPANY WAS GOING TO REFUND THE {$18000.00}. I THEN RECEIVED A PHONE CALL STATING THAT THEY CAN'T REFUND ME BECAUSE OF THE LENGTH OF TIME THAT THE MONEY WAS PAID. I HAD CHARHES FROM THIS SAME COMPANY THAT CHARGED MY OTHER 2 CREDIT CARDS VISA AND XXXX. THEY BOTH REFUNDED MY MONEY. I THEN CALLED THE CC COMPANY WITH MY FRIEND XXXX AND WE SPOKE TO XXXX AND SHE THOUGHT WE WERE ON HOLD BUT HEARD HER LAUGHING AND TALKING ABOUT ME. SHE SAID I WOULDN'T REMEMBER ANYTHING NEXT MONTH. SHE WAS TAKING ADVANTAGE IF A SENIOR CITIZEN AND SHE DISRESPECTED ME. I HAVE BEEN A CLIENT OF THIS CC COMPANY FOR YEARS AND REALLY FELT TERRIBLE.WHY ARE THESE COMPANIES TREATING A XXXX XXXXEAR OLD LADY LIKE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Took my two grandsons to urgent care in SC. Was unaware NC Medicaid didn't work in SC. Talked to NC DSS, and was told they would take care of the Bill, and for me not to worry about it.

Everytime a bill came in, I took it to DSS. They never made any attempt to pay it. So it went on my Credit report as a derogatory item. When I noticed it on my credit report, I paid it off, but the Company never removed it from my 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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NH

Complaint narrative:
In XXXX, 2019, I received a letter from XXXX XXXX , XXXX, which stated that they represented XXXX, XXXX in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XXXX, 2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to XXXX, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XXXX, 2019, I received another letter from XXXX  with an attached letter from XXXX. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, MRS BPO , LLC, indicating that my failure to dispute the debt within 30 days would result in MRS declaring the debt valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MI

Complaint narrative:
I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, we had 2 representatives from Home Depot come to our home to give us a quote for cabinet refacing. After about 2 hours of picking colors and design, they gave us a quote for {$27000.00}. They also told us that we can call Citi and let them know we are doing a project at our home to have our credit line increased to take advantage of the 2 year 0 % interest. In XXXX, we opened a Home Depot credit card that extended {$8000.00} credit line, we requested an increase to {$28000.00} which was declined. We called and spoke to several representatives and none of them would allow the increase. After researching online, this seems to be a repetitive practice of Citi and Home Depot. The sales rep and his manager claimed they very rarely have anyone denied for the increase. Our credit score is XXXX, household income of over {$300000.00} and {$50000.00} in savings. We have more than enough money to pay in cash for the project, but with 2 years at 0 % interest, we want to keep the money in our money market account. My husband and I are both in lending, been in our home for 15 years and on our jobs for over 4 years. After asking multiple representatives at Citi what the real reason was for the decline, they said that we would get a letter. This is unfair lending in every aspect. 

The reasons for the denial are completely inaccurate. All of our revolving debt is under 30 % in comparison to the balance. Most of the revolving cards don't carry balances. When asked about the additional denial reasons : length of time accounts have been established, too many accounts with balances and time since opening most recent account opening is too short. We asked how long accounts need to be established, how many accounts can we have open with balances and how much time we need since opening the most recent account, the Citi representative said they could not give answers to those to consumers. I asked why they couldn't and the representative said that if they told me that, everyone could get approved for no interest credit and they would go out of business. So, long story short, Citi offers a Home Depot store card at 0 % interest, but will not tell you their guidelines for obtaining the offer and therefore engages in deceptive lending practices.

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