vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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: LA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I booked a flight for ( 14 ) people from XXXX to XXXX leaving on the morning of XX/XX/XXXX with XXXX XXXX. The charges were {$940.00} from XXXX, {$310.00} from XXXX, and {$240.00} from XXXX. The airline charges were then charged to my card in ( 12 ) {$100.00} increments and ( 2 ) {$120.00} increments by XXXX XXXX on the week of the XX/XX/XXXX. 

We were to spend a half day in XXXX, then a full day in XXXX, then another half day in XXXX, before heading back to XXXX on XX/XX/XXXX. I purchased the tickets and paid in full with my Chase Sapphire Preferred credit card. 

On XX/XX/XXXX, the airline sent emails saying all of the tickets were " Exchanged '', and the flights had been moved to XX/XX/XXXX, and the returning flight moved to the morning of XX/XX/XXXX. ( leaving about 8 hours from XXXX  to XXXX in XXXX XXXX. 

I contacted the airline, and have multiple emails trying to work out the problems. For 2 months they told me that they would give a full refund, that they were processing the refund, etc. and then cut off all communication. 

I contacted Chase in late XX/XX/XXXX and asked for a chargeback, as I had paid for the entire trip with my Chase credit card. Everything was moving correctly, I submitted the emails, XXXX refund policy, and the regulations on changes greater than 24 hours, and the agent on the phone said the chargeback was temporarily approved ( pending a final judgment ). They called back in about 30 minutes, however, and said that since my call was outside 6 months from the transaction date, no chargeback could be approved. 

I felt this was unfair a transaction should involve purchasing and then receiving what was purchased. These were not delays they substantially changed the trip I thought I was purchasing. 

I believe Chase markets their chargebacks as a protection against unfair business practices, and as such has a duty to protect against merchants that do not deliver what was purchased. 

Even further, XX/XX/XXXX ( the day the airline exchanged the tickets and changed the flights/dates ) should have been used as the transaction date, as the transaction had been significantly altered, and I was forced to accept new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage company BBVA made an unauthorized payment from my escrow account of {$1200.00}. They stated this was payment for XXXX XXXX XXXX   charge however we do not use city of XXXX XXXX. We use a private sanitation service. Although we have called them previously to apprise them of this fact ( Ref #  XXXX ), and they assured us they would not make this payment, they ultimately disbursed this money on XX/XX/2018. There is no bill supporting this charge and despite repeated calls there has been no action on the part of BBVA. Most importantly, no sanitation bill exists from City of XXXX for this amount ( or any amount since we do not use city sanitation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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:
The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}

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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019- funds were deposited in error. Bank has refused to reverse payment. Member of the  XXXX XXXX is suffering because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
everytime i apply for credit, i get the same response saying they is no credit score for me. I applied for XXXX  today, i applied for several banks : XXXX XXXX, XXXX XXXX, XXXX. each time apply anywhere i get the same response. one of the lenders asked me to get a letter from equifax and equifax says no. when i call equifax they say nothing is wrong with my file and no lender should have any issues pulling my file. however anything on my report has not been updated since XX/XX/2018. I have been calling and talking to multiple departments and people and no one seems to help. its affecting my lively hood. i cant apply for anything because i will denied for no recent history and no credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Please be advised that I am writing this letter to enter a complaint to bring attention to Diversifed Consultant s unscrupulous business practice.

I have never been contacted by Diversified Consultants in any way shape or fonn by phone or by mail ever, most recently I noticed that they have added a collection to my credit file at XXXX.

I have had a previous agreement with XXXX  and have paid the balance in full.

I have disputed this with the credit agency, and have called diversified and spoke with a XXXX XXXXXXXX XXXX XXXX to infom1 them of this.

They are attempting to collect a debt that is already paid in full and have erroneously updated a negative report on my credit file.

Please investigate this matter and have this corrected. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I have filied a complaint with this company with your cimpany saying that I never did business with Portfolio Recovery and thier attemps to collect a debt I dont not owe them, and to stop all attempts to collect on this debt that I do not owe this company and after filing a complaint against them through the CFPB is was resolved and should be in your files. This morning they ( Portfolio Recovery ) reported this same collection on to my credit file dropping my credit score from XXXX to XXXX while Im in the process of aquiring funding for a start up business. This company needs to remove this account immediately from my credit file and stop all attemps of trying to collect on this account. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NEW CITY FUNDING CORP.
State: FL

Complaint narrative:
I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd.
State: AR

Complaint narrative:
ONCE AGAIN THE CASH STORE IS COLLECTING ON ZOMBIE DEBT, THIS ACCOUNT WAS PREVIOUSLY SOLD TO OTHER AGENCIES..

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 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: MD

Complaint narrative:
Pacific Union Financial , LLC RE : Loan # XXXX FHA Case # XXXX A Foreclosure Sale date is a scheduled for XX/XX/XXXX. My, XXXX XXXX, 3rd Party User, called my lender, on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, spoke to XXXX, ID # XXXX, of Loss Mitigation Department, to find out if the Authorization and 61 pages of the loan modification documents were received ( they were ) and the postponement of the Sale occurred/pending loan modification processing. XXXX told XXXX because of the insufficient time ( 30 days ) to the foreclosure sale date, Options ( loan modification nor short sale ) were no longer available that we needed to call the foreclosing attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ) made no sense in that they were the source of mitigation ( which ) XXXX requested to speak to a Manager.

XXXX asked for XXXX phone number ( XXXX ) that XXXX, Supervisor ( mind you ) with no ID # would call XXXX back within ( 48 ) hours was another attempt to deflect postponing the Sale for a loan modification or short sale purchase is why this Compliant is being filed, notwithstanding. XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that their discretionary business practice of ( 30 ) days contradicts and violates the State of Maryland Law. If the foreclosure sale and/or ratification occurs, XXXX and all Parties involved will have committed a felony.

Per FHA guidelines ( Case # XXXX ), we are allowed a loan modification or a short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment.

Please pull the phone transcript to verify the conversation with the above Parties. XXXX must NOT be allowed to circumvent the Law, the last time this happened the 2007 mortgage CRASH occurred.

Are we being profiled because we are Hispanic or is this a standard business practice with Pacific Union Financial , LLC to forbid disavow our foreclosure Rights? A denial of Due Process will be deemed an act of conspiracy and conversion and will be ( if necessary ) be escalated to the TV stations channels 4, 5, 7, and 9 Investigations Teams, my State Delegates, Senator, Governor, the Office of the Commissioner of Financial Regulation, Office of the Comptroller of the Currency, State Attorneys General Office and/or pending a Class-action lawsuit.

I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
They use numbers that the spoof to call me. They were calling me sometimes 10 times a day and because they were using numbers from any and everywhere I refused to answer. The first time I did answer, he said the same thing that most spam callers say, I am calling on a recorded line, this call may be monitored or recorded for quality assurance purposes like most real creditors do. Their business practices are fishy. They sent me a letter saying that they accept payment by XXXX XXXX and when I sent it, they refunded the payment and sent me another letter stating that they only accept payment by ach or mail in. American Express need to deal with better debt collection agencies. I do not mind paying them the money owed. But I refuse to give money to shade trees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
Mr.Cooper has been servicing my {>= $1,000,000} loan on my personal residence which my wife, my XXXX children and I have permanently resided for the past thirty ( 30 ) years. 
I had been paying $ XXXX/month, interest only and on XX/XX/XXXX it was changed by them to $ XXXX/month.I was obviously unable to pay a tripling of my mortgage payment and did not pay until in XXXX of XXXX when they gave me a modification but wanted me to pay $ XXXX/mo for XXXX, XXXX, and XXXX in a TRIAL PERIOD before they inform me what the terms of the Modification will be which starts on XX/XX/XXXX. I paid the XXXX.payment to see if I would get more information but have been given none regarding the new Modification Mortgage. 
When I finally got a hold of my Single Point Of Contact after one week of trying, she could not tell me who the Investor of my Note is but that he wouldn't discount the note.She said I would have to contact Mr.Cooper Research Dept. but did not have a phone number or email and that I would have to write to them. 
Before I spend another {$12000.00} for XXXX Trial Period, I would like more information on what my permanent loan will be before I " BLINDLY '' make that payment ... THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: LendingPoint Holdings LLC
State: NC

Complaint narrative:
Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive been in an installment loan with XXXX XXXX almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay XXXX XXXX off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.

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 2019-01-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My total loan from Naivent is {$140000.00}. I am currently paying {$1300.00} a month in student loan repayment. I am unable to afford this payment seeing as I work at a non profit and pay rent. My mother, who is my cosigner, recently lost her job and is not working right now. My monthly payment is over half my income. I have contacted Naivent on multiple occasions about lowering my monthly payment and they said there is nothing they can do about it. They suggested I consolidate my loans, but I do not have good credit. After graduating from college, I did a year of service called XXXX XXXX XXXX and could not pay my loans. Navient refused to put me in forbearance and therefore put late payments on my credit report. I asked them to remove the late payments so my credit could go up and they also refused. They have not been any help and are extremely rude. There is no way I can continue paying the {$1300.00} a month and I am not sure what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with explanation