vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I called Chase Bank in XXXX about a credit line I had started on my business account because I couldn't make my credit card payments at the time and explained my financial situation, I've been in severe debt and unable to make any payments for the past few months and had an overdue amount. They told me over the phone that if I made scheduled payments of XXXX per month, I could avoid additional finance charges. I still have additional late fees and charges racking up to the tune of XXXX dollars a month. I called in and was told that I had misunderstood what the scheduled payments were for. The implication from the first call was that this was the minimum to avoid additional charges, and it isn't very clear to me why they would schedule these miniscule payments at all if this was the case. Now I'm going to have to struggle to pay off the overdue amount to avoid additional charges and have to pay another month of interest on that amount. I feel really deceived, patronized and confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 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:
Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section XXXX of Consumer Financial Protection Bureau.

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 2021-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section XXXX of Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: GA

Complaint narrative:
When I learned about Capital One 's rewards program I signed up so I could earn cashback rewards on every purchase, as their advertising claims. I used the card for many months and accumulated plenty of cashback rewards which I planned to pay off the balance of a monthly bill if/when I needed it. 

Well since the corona virus my income has suffered dramatically, so when I went to pay off the balance of my monthly bill with cashback rewards, Capital One rep said that even though I pay off the balance I would still owe the minimum payment because the monthly statement had already closed. 

There's no logic in that and smells like a deceptive practice. I wish I knew that from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
After another failed attempt of tryin to get this debt validated with Penn Credit, my credit is heavily impacted by the erroneous information they are publishing. In a previous complaint with Penn Credit, I was given contact information for XXXX XXXX I've contacted this person several times as its stated in the company reply and I've yet to hear back from him. Because this company has completely failed to communicate with me and validate said debt, this debt needs to be removed from my credit report immediately. As stated in my original complaint, I have the right to request debt validation in which I asked for and still don't have. The company has been given ample amount of time to provide me with the requested information and has yet to do so. Due to the lack of communication and unwillingness to cooperate, I've contacted the original creditor in hopes of getting this resolved. Not only is Penn Credit reporting information that they have not validated, they are reporting inaccurate information. The law says during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against this company and the credit bureau responsible for reporting this violation. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing concerning fraud protection provided by Chase. Earlier this year I purchased ( using my Chase credit card ) what I thought were name brand shoes from a well know brand. The site was clearly the same site I had viewed previously but showed a sale. With the rare sale I purchased the shoes. Over the next weeks when the shoes did not arrive I reached out to the retailer, but they did not have any record of my purchase. Instead it became clear through discussions with the manufacturer and email correspondence with the spoofed website provider that I had counterfeit product. I have confirmation that this is clearly fraud. Chase advertises fraud protection. Their investigation only confirms a payment was made through XXXX system. It was to a XXXX company that does construction. This was clearly a fraudulent transaction in which Chase refuses to honor their fraud protection. Their only excuse is that the payment was made to this other company. I have again and again pressed Chase to keep their word as well as the counterfeit retailer. Fraud protection is not fraud protection at Chase today. In my experience other card carrier has ever held back on fraud cover where there is true and clear fraud. I have also never put in a similar claim with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 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: MD

Complaint narrative:
Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.

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 2021-01-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.

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 2021-01-06 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: LA

Complaint narrative:
I feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.

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 2021-01-06 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: LA

Complaint narrative:
I feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.

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 2021-01-06 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: Early Warning Services, LLC
State: GA

Complaint narrative:
This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND BBT

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I believe I was misled when I opened a Capital One charge card. I was told when I opened the account in XX/XX/XXXX that it was interest and no fees for 2 years. I noticed today XX/XX/XXXX that I have been charged interest for the last 3 months for a total of {$82.00}. When I called to complain I was told the interest free time period was only for 9 months. Which meant it ended in XXXX but I wasn't charged interest in XXXX or XXXX so something is very wrong. Because of this and not getting any satisfaction I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Hello - My name is XXXX XXXX. I have been with My Loan Care since XXXX and it is always an issue with this servicer. They purchased my loan a few years ago and I was originally with XXXX. They constantly causes my insurance to lapse due to their lax policies on payments and this was an issue last year and an issue again. What can I do to prevent this from reoccuring or can I switch to another servicer since this is a Fannie Mae loan? I have asked on numerous occassions to remove PMI as I have been paying that since XXXX or to modify the loan to a lower interest rate. They never respond to inquiries or anything. 

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 2021-01-06 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: Avant Credit Corporation
State: FL

Complaint narrative:
I started to notice small charges around middle of XXXX, but I didn't pay to close of attention to the small charges until late XXXX because I had only used the card twice since I received it. I called Avant in total confidence that the issue would be taken care of promptly ; only to be transferred to different departments 8 times, and then a representative assured me that they would take notes and have these charges removed and cancel the card and send a new one ; this was the first call in XXXX. I called again in XXXX, a this was a repeat of the first call, but I found out from the Avant rep, that someone attempted to use the first card ( the one that was supposed to be cancelled! ) after I had already received the new one ; with all of this said, they gave me no alternative. I had to cancel the card, however after the first dispute Avant responded with ; your account has been updated ; not quite sure what this means. I'm describing the happenings in this complaint to see if I can get this account expedited. I also threw the card and I only have the last four digits Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: LA

Complaint narrative:
On XX/XX/2020 I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: The B & F Corporation d/b/a OK Loan Service
State: OK

Complaint narrative:
On XX/XX/21 XXXX from Ok loans call at XXXX XXXX at my Job when I had to do my own customer to deal with saying that she will garnishment on my check if I don't make a full payment or payment arrangement of {$110.00} every 2 weeks. I explained to XXXX that I can make payment of {$110.00} but not every 2 weeks. So XXXX had said that not going to work. So I also asked how she received my work # when I was at a different office. Plus that loan was charged off 6 years ago and they should have done the garnishment 6 years ago. So I'm asking that loan be disputed or help on arrangements, or close the account since it been 6 yrs. I found out OK Loans is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation