vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I made an online payment of {$210.00} to my Doctor, XXXX XXXX, MD. 
I set her up as a vendor in my payment list as I always do with her billing address, my account number etc. 
In XX/XX/XXXX I received a statement from the Doctor 's office showing the {$210.00} as outstanding. I called the Doctor 's office right away to tell them a payment did go out. They told me they never received it. 
I called Chase Bank because I could not get a proof of payment online. In the past I could always get proof of payment. On this particular transaction in XXXX I noticed there was no trace number. Chase Bank told me I could get the proof of payment at a local branch. 
I went to my local branch but all they could do was print the amount coming out of my account, nothing to prove the payment was sent out. 
Throughout XXXX, XXXX, XXXX and XXXX I spoke to various departments at Chase Bank - to no avail. I was told by one person to call back and ask for a supervisor. I was told by another that they would mail me the proof of payment. Never received it. Everyone I spoke to agreed it was unusual to have no trace number on the transaction. The funds were taken from my account but never sent! There was no proof of payment because the payment was never sent! If I had written a check myself I would have been able to void the uncashed check and the funds would have been returned to my account. 
In XXXX my Doctor 's office was going to put me into collections so I used my Chase debit card to pay the bill over the phone. I have now paid twice! 
Chase Bank took my {$210.00} in XX/XX/XXXX and will not give it back. My attachment is a printout for online banking showing 1. the payment activity for XX/XX/XXXX, showing the payment of {$210.00} and 2. showing the " proof of payment '' without a trace number and 3. showing the proof of my 2nd payment to the Doctor on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/31 XXXX - I asked that Portfolio Recovery Associates XXXXtact me via US Mail and no longer to call me. 

XXXX XXXX - XXXX XXXX called from Portfolio Recovery Associates called. I asked for their mailing address and explained that I requested they cease contact via phone more than 24 hours ago and they were in violation of the law. XXXX proceeded to argue with me that she was not in violation. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX The numbers used to call me were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Sunbit, Inc.
State: FL

Complaint narrative:
My sunbit credit card is charging me double interest. My payment is due on the XXXX of every month I make my payment however on the XXXX. I generally pay a little more than the minimum payment. So if minimum payment is {$85.00} I pay {$100.00} but then on the XXXX of every month I'm being charged interest again. So example if I pay my bill and my available credit says {$94.00} then 2 days later when I'm charged again it's drops my available limit any where from {$45.00} to {$52.00}. This also does not make sense my interest charges are less when I have a higher balance. The other complaint is I have made extra payments a couple of times such as in XXXX and XXXX but did not get credit for payment because the second payment was to early for the upcoming statement month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple accounts listed by Experian XXXX and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. 2012 foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. Tjey have failed to remove or assist.

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
wilshire consumer credit is charging me an illegal intrest rate pf 36.65 %. ive tried talking to them about it and they insist on denying it when my contract clearly states 36.65 % ( they claim its 36 % ). 
they also harrass me by calling in upwards of 12 to 13 times a day from many different numbers. they have also been putting all my payments towards interest.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2022-09-08 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed their inquiry with XXXX and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- XXXX voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from Oportun at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a VM the number listed is XXXX I want the inquiry from XXXX to be removed because I NEVER attempted to get a loan from your company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal credit union Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX Navy feferal heloc was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are 3 hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received an offer from Citibank as a credit cardholder for a promotion valid XX/XX/XXXX through XX/XX/XXXX to open a Citi XXXX Savings account as an account owner. The promotion was for a {$300.00} bonus if you deposit {$30000.00} or more by the 20th day after opening the account. By maintaining the {$30000.00} balance every day for the 60 calendar days following the 20th day after funding, I would be eligible for the bonus paid within 90 days of being eligible. 

I opened my account on XX/XX/XXXX and funded {$30000.00} and was eligible to begin counting the 60 days beginning 20 days after funding on XX/XX/XXXX. Because I kept the assets in the account ( and still have them there ), I was eligible for the bonus on XX/XX/XXXX and should have been paid by XX/XX/XXXX. 

I have still not received the bonus ( 108 days later, which I have not received interest on the bonus either ) and have followed up both via phone and in-person at a branch with Citi multiple times ( at least 5 ). My last visit to the branch was on Monday, XX/XX/XXXX, and this is still not resolved. 

I have spent nearly 30+ hours trying to resolve this issue, and I believe that I am being taken advantage of by Citi 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 monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CT

Complaint narrative:
Credit karma would send me pre qualified credit cards and loans and Ive been denied for several. The latest one was XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account XXXX XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.

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 2022-09-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I was awarded funds through the XXXX program for struggling Floridians on XX/XX/2022. My mortgage company, Paramount Mortgage has yet to apply my payment to my mortgage account balance. XXXX has ensured me on multiple occasions that the funds were sent to Paramount Mortgage in the amount of {$13000.00}. Paramount Mortgage notified me that they did receive the funds initially, but now they are saying they haven't. Paramount Mortgage hasn't given me a consistent story yet. This is the 2nd complaint that I have filed and they have yet to respond with a detailed answer. Fees are steady being applied to my mortgage account while they are holding the funds that are rightfully mine. I may just be another borrower to them, but my home is much more to my kids and I. I am desperately seeking assistance to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I disputed their inquiry with Chexsystems and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- google voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a XXXX the number listed is XXXX I want the inquiry from Chexsystems to be removed because I NEVER attempted to get a loan from your company!

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