vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase XXXX XXXX is incorrectly calculating escrow payments when a change occurs. 

Chase is calculating the new escrow payment as follows : New insurance amount + New property tax amount + New mortgage insurance amount + Escrow shortage amount. 

My escrow does not have a shortage. They are double counting the change in property taxes- in the increased new property tax payment and in the shortage amount. The shortage is the difference between the old and new payment. The shortage is supposed to get added to the old payments to come up with the new monthly payment. They are adding the shortage to the new monthly payment, thus inflating my monthly payment by {$220.00}. I faxed projected escrow schedules to Chase demonstrating that their monthly payment would result in unused escrow of over XXXX by end of year XXXX while the correct payment amount would cover all costs without dipping escrow into negative. This did not correct the issue so im filing a complaint as XXXX cant be the only customer who has this double counting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: IA

Complaint narrative:
Capital One is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/22 I deposited my paychecks into my Capital one Checking account, checking a few hours later to see what's going on, I find that they have been held for over a week with no reason or notification of any issues from the company. I attempted calling several times and got directed to call Saturday XX/XX/22 because " The checks need to be in for at least 24 hours '' Saturday XX/XX/22 I call in to the customer service line. I am told they can not provide me a reason and am forwarded to a manager, they tell me they can not provide me a reason. I demand to be forwarded to someone who can, the manager forwards me to the security department. I explain what the checks are for and the security department still can't explain why they are holding my checks and force me to give a number to my employer for them to do their job to verify the check. I do so, they say " Well we can't get a hold of them '' and tell me to call back MONDAY... I demand a supervisor because this is unacceptable and I am abruptly hung up on. 

My Second call to the same department starts the same way. I forward the details to them to verify, they make 1 attempt and now I have to call them TUESDAY. I demand a supervisor and once again I am hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I used my credit card in a foreign country ( XXXX, XXXX, XXXX ) to pay for a meal at a restaurant. The restaurant has a relationship with another company in XXXX XXXX, Nevada, XXXX where the charge is forwarded to. That company submitted the charge to Capital One as a cash advance after adding an unidentified fee. Capital One charged me a fee for a cash advance and interest. I did not receive any cash and only paid for a meal at a restaurant with my credit card. This resulted in XXXX additional charges or fees in addition to the expected charge for the dinner : 1. The 3rd party in XXXX XXXX, Nevada added an unidentified fee and passed it off as part of the exchange rate. The reason I know this is because the restaurant owner later explained to me that the restaurant pays no fees for the credit card transaction but the third party adds additional fees to the charge and hides it in the exchange rate.

2. Capital One had a fee for a cash advance.

3. Capital One accessed interest on the cash advance. 

As of now, I have done a charge back related to the charge and went personally to the restaurant and paid them in cash. The restaurant told me they would accept the charge back. Capital One posted the charge back but the waiting period has not yet expired. It is possible the 3rd party out of XXXX XXXX will dispute the chargeback. Since I had no relationship with this 3rd party and the original vendor ( the restaurant ) is in XXXX and I am back home in the XXXX. it might be difficult for me to do anything about this. If that happens that means I paid for the meal twice, paid extra for fees hidden as part of the exchange rate, paid a fee to Capital One and paid interest on a phony cash advance. 

There should be a rule or law that makes the credit card companies ( Capital One in this case ) responsible for fees or charges on transactions when unidentified third parties are involved. After all, I have no relationship with the third party in XXXX XXXX that added the additional charge and passed it off as part of the exchange rate. Furthermore, that company said it was a cash advance when it wasn't resulting in additional fees and interest from Capital One. Finally, Capital One directly charged me a fee for a phony cash advance and charged me interest. 

Does this seem right? How many others have been duped without knowing it because the additional charge from the third part was hidden as part of the exchange rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been submitting disputes for the past 6 months and the credit compines have not been getting back with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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:
I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and equifax. 
XXXX ( XXXX inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: IA

Complaint narrative:
XXXX XXXX is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
Hi INDIGO ; Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: TN

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Syncrony credit cards- when you have a promotional purchase, they do not apply, nor is there a way to set how much of your payment you want applied to, any of the payment amount you make. I have three promotional purchases with them - one for HSN and two on PayPal Credit, that are 6 months interest free, however, none of the payment you make above and beyond the minimum due, is applied to that promotional purchase. I've tried calling them and telling them that anything over my minimum is to be applied to that purchase, they tell me no. I must call WITH EVERY PAYMENT I MAKE and let them know how to apply it. That is the most redundant and asinine thing I've ever heard of. It's like they want customers to miss paying that in the promotional time period so they can charge the accumulated interest charges. No other credit card I deal with does this. I can set my promotional payment allocation on other card 's website so I don't have to CALL EACH MONTH to allocate my payment. So a six month promotional purchase of no interest is really not a six month no interest purchase because they catch you at month five and say " you're going to get hit with interest unless paid by xx date ''. It's deceptive in the fact that you think you are making payments towards this purchase when in reality, you are not, unless you CALL THEM and allocate your payment. This is totally geared for failure on the consumer 's part and nothing but gain on Syncrony 's part.

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Aqua Finance, Inc.
State: WA

Complaint narrative:
This issue is with Aqua Finance , Inc. at aquafinance.com. Customer Service # XXXX. They are a creditor of mine for new windows in my home. 

I'm not getting paper statements and I can not access my account online for most of 2021. 
I spoke to XXXX on XXXX/XXXX/21 who assured me that I would start getting paper statements again and that she would NOT be able to fix the online access problem. I spoke to another representative earlier in 2021 - around XXXX, who told me that online access would be fixed. Both times I called XXXX. 
This issue has never been resolved. I still do not have access to my account online. I do not receive paper statements. I don't know if the automatic payments are processing correctly, I don't know what my payoff is. 
I simply want access to my account information. I have made it very clear to the representatives that I've spoken to that I want to return to paper billing. It has not happened. They have had 5 billing cycles ( months ) to make this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have a checking account with Chase Bank, and have had multiple issues with them keeping our information safe and secure at this point. But most recently, we were checking our account and going through the transactions and saw a {$40.00} withdraw from our account from an unrecognized vendor. We did some research and found out that it was a payment for a XXXX credit boosting credit card that neither one of us applied for or possess. This is a huge concern because there has been several times where people who weren't associated with our accounts have been contacted regarding our PII. My XXXX set up a XXXX account through Chase last year and it was completely separate from all our other accounts, but I kept getting all the emails regarding his business information. We just set up a joint checking account a few months ago, and when I had to call in to get our account unfrozen, for some reason, my XXXX who had absolutely no connection to any of our bank accounts were also called about this issue. Chase is not keeping our information and money secure at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been submitting disputes for the past 6 months and the credit compines have not been getting back with me

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 2022-01-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been submitting disputes for the past 6 months and the credit compines have not been getting back with me

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 2022-01-15 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: DISCOVER BANK
State: NJ

Complaint narrative:
On my credit report it states inquiry from discover bank national credit card service. That I never did an inquiry for I dont have a discover card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zip Co US Inc.
State: CA

Complaint narrative:
This company was notified via mail by the attorney XX/XX/XXXX of the stop order because ch XXXX bankruptcy was filed. i also emailed them XX/XX/XXXX on five occasions of the bankruptcy and included case number and attorney information. My attorney also emailed and provided the case information. The company continues to automatically bill weekly and does not allow me to stop the automatic billing. When i called on XX/XX/XXXX, I was told the company has no bankruptcy department. 

attorney : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I graduated XX/XX/XXXX with a degree in communications. I have applied to more jobs than I can count and still haven't landed a job. I have been working as a XXXX XXXX XXXX XXXX since moving home in XXXX. My payments with Sallie Mae are now due. My mom and I tried to get me into an income driven payment option since I am only making minimum wage. My payment due is just under {$1400.00} per month, this does not include my FAFSA payment I also will have to start paying in the next couple of months. My mom co-signed for my loan because I couldn't get one if she hadn't. We spent, literally, XXXX XXXX continuous hours on the phone with them Monday XX/XX/XXXX because when we called in XXXX, that's what we were instructed to do to get an income driven payment option, just be told Monday, they don't have an income driven option. The best they could do is defer the payment until XX/XX/XXXX, or put me into a " Graduated payment option '' which is still {$980.00} per month and per the Sallie Mae rep " is not a good option, because we will pay so much more in the end. '' They said between our income we " can afford the payment ''. My mom has a household to run, and since she raised my brother, sister and myself XXXX, my " dad '' has never financially supported us, my my mom has her share of credit card payments each month, her own student loans, her parent pluse loans for me and standard bills. This payment is by itself, rent/mortgage. Sallie Mae replied with, the best we can do is defer the payment until XXXX, but come XX/XX/XXXX, " the payment is due ''. They do not care about their customers, or even try to understand how hard some people have it. I of course, will pay my loans, I borrowed them, but I don't know a single person who can afford {$1400.00} a month for ONE bill, I can't and quite honestly am scared to death how we will get these payments made every month. DO NOT ever take out a Sallie Mae loan, they just don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. 

I am filing a bad collections practices complaint against Credit Control , LLC. 

Its address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX ; and its phone number is XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( a debt-modification law group that I contracted with ) negotiated and settled at a discount a XXXX XXXX XXXX loan with an account number of XXXX balance at time of settlement was {$16000.00}. XXXX settled with Credit Control for {$8400.00}. The settlement document is attached. 

The details of the settlement document show it was a 24-month payment plan. XXXX mailed monthly settlement checks to Credit Control each month for 24 months starting XXXX of XXXX and ending XXXX of XXXX Credit Control cashed 23 of those checks. However, Credit Control claims it did not receive the 24th monthly check ( XXXX of XXXX ). Credit Control then declared the settlement defaulted, it kept the {$8200.00} XXXX paid on my behalf for the settlement, rejected and declined XXXX repeated requests that Credit Control honor the written settlement agreement, and then Credit Control sold the XXXX XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX That letter is attached. 

XXXX XXXX XXXX XXXX XXXX maintains I owe the remaining balance of the overall debt : {$8700.00}. 

I allege that Credit Controls actions are illegal bad collections practices and, therefore, in violation of the Fair Debt Collections Practices Act. 

XXXX XXXX XXXX did mail the 24th ( XXXX of XXXX ) to Credit Control on time as it had done during the course of the settlement payment plan. What XXXX did was include that check in a batch of multiple settlement checks for other clients settlements and put them all in one envelope and mailed that envelope with those checks enclosed to Credit Control. Credit Control did receive the mailing. XXXX confirmed that because those other checks were cashed by Credit Control. 

Here is my contact information : Phone : XXXX Email : 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