vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
RE : Case Number XXXX Claims Department Specialist : On XX/XX/XXXX, the Board of Governors of the Federal Reserve System amended Regulation E, 12 C.F.R. Part 205, in the Federal Register to address overdraft protection programs. The rule became  mandatory on XX/XX/XXXX and the rule applies to both new and existing accounts. This rule requires prohibits banks from assessing fees for paying ATM and one-time debit card transactions unless the consumer " opts-in '' to overdraft protection. This is commonly known as the Opt-In Rule. 

From the period of XX/XX/XXXX to present, I have not " opted-in '' to overdraft protection on my Chase Premier Account ending in XXXX. Despite declining all XXXX XXXX XXXX XXXX  transactions from XX/XX/XXXX until XX/XX/XXXX do to a combination of insufficient funds and compliance with the " Opt-In '' Rule and by issuing a hold do to fraudulent activity, Chase Bank, NA nevertheless decided to make a payment to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3600.00} when the balance of that account was a mere {$2400.00}. I find it highly irregular and morally disturbing that Chase Bank, NA would decline a {$100.00} transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, a {$530.00} transaction to XXXX XXXX XXXX XXXX  on XX/XX/XXXX but would approve a {$3600.00} transaction to XXXX XXXX XXXX XXXX on XX/XX/XXXX bringing my account into insufficient status, thus occurring bank fees and the restriction of my individual liberty. I am starting to get the impression how Chase Bank, NA likes to profit and stay in business. 

I have attached 16 email notifications from Chase Debit Card Fraud Prevention dating from XX/XX/XXXX to XX/XX/XXXX while I was in the hospital for XXXX XXXX for your records and my future correspondence with the FDIC and the Consumer Financial Protection Bureau. Additionally, is it not the policy of Chase Bank, NA to decline any and all transactions when fraud prevention hold is placed on an account until the consumer gets in contact with the Debit Card Fraud Prevention Department in order to verify transactions in order to establish and maintain security on the account in question? 

Again, I look forward to your very timely resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is against XXXX, XXXX  and Experian credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
Experian has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows tme-barred debts to remain on a credit report way past the seven years law allows. 
I've requested supporting documentation regarding Experian 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

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 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
JC Penny continues to furnish unauthorized inquires on credit file dated XX/XX/2018. Made several attempts to resolve with JC Penny and company failed to comply according to FCRA Guidelines.

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 2019-11-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Our home was hit by hurricane Michael on XX/XX/2018. We have since been in the recovery process to try and repair and cleanup our home and property. 
We were told by Ocwen Mortgage that we could defer payments using their disaster relief process. Ocwen then transferred our account to PHH mortgage who did not onor this repayment process and wanted payment in full. We have contacted them on many occasions, at least once per week to try to rectify the status of our account. 

On XX/XX/XXXX PHH mortgage cashed a payment we sent at their request, to bring our account status back to correct, in the amount of {$6200.00}. On the same day they credited our payment they also sent our account to their attorney even though we met all of their requests. 
We have called them several times during the month of XX/XX/XXXX with no more information and no contact from their attorney. 
We sent our XX/XX/XXXX payment as prescribed in our mortgage in the amount of {$2000.00} and it was cashed by PHH on XX/XX/XXXX. 

It is now XX/XX/XXXX, and PHH mortgage is holding {$8300.00} in a suspense account. When we call PHH mortgage, they say our account is in Foreclosure, even though we have received no documentation yet to that effect. When we call their attorney, the attorney 's office says they are working on an amount to reinstate our account. 

The issue is that we get different information from different people at PHH. We have sent them money which they are not crediting to our account. They say we are in foreclosure yet we have NO communication or information about this. It has now been 38 days and they are not communicating and not following through. They are also not properly responding to their own attorney who says they are " waiting for information '' from the mortgage holder. 

During this process we have been responsive, and have sent in our payments which are not being properly applied to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
This agency is attempting to collect debt that is not owed. Our appointment to the practice was cancelled because the doctor was not available. We were told he had to attend an emergency surgery. A  nurse was present but she was informed that the appointment was with the doctor and we will need to reschedule. We request evidence of the visit and debt and the immediate removal of the derogatory remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is with regards to American Express Business Credit Cards that have misleading advertising and promotion marketing policies, and have customer service that has designed to not serve customers but to charge predatory interest rates to make account go into collection so they can charge more interest and fees. As an example, my account had a balance of less than $ 4K in balance and I had requested them to look into some disputed charges and to get rid of some fees. I have written evidence of submission of dispute requests and was promised customer service would take care of it. Customer service however did nothing for 9 months, all the while charging fees and interest, bringing account balance to over $ 9K and trying to bring account to collections. 

As an example, I was charged following predatory fees and interest after I was promised promotional interest rate of 0 % which was then arbitrarily removed.

XX/XX/XXXX : {$38.00} + {$220.00} XX/XX/XXXX : {$38.00} + {$210.00} XX/XX/XXXX: {$38.00} + {$230.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$180.00} + Reversal of {$1800.00} XX/XX/XXXX : {$38.00} + {$200.00} + Reversal of {$180.00} XX/XX/XXXX : {$39.00} + {$190.00} XX/XX/XXXX : {$39.00} + {$200.00} CFPB needs to take immediate action against such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The beginning of XX/XX/XXXX I reported to Capital1 that my card ending in XXXX had 2 fraudulent charges on it. They credited my card back the amount of fraud and canceled the card. They sent me out a new card ending in XXXX. I received and activated the card. I was notified that the vendors were reliable for said charges. About XX/XX/XXXX I received a credit report that my utilization was high on my Capital1 CC and that the balance was over {$1900.00}. I then proceeded to dispute the balance on XXXX website. It was mistakenly reported as fraud instead of incorrect balance. Capital1 canceled my CC ending in XXXX an stated that I would have to clear this up with the credit bureau before card being reinstated. On XX/XX/XXXX I started contacting XXXX   about the mistake that had been reported incorrect. They ( XXXX   ) informed me that it was a Capital1 issue not theres to correct. Over the next couple of weeks I called Capital1 n XXXX trying to resolve this issue. With both parties claiming that it was the other party responsibility of correcting this situation. On XX/XX/XXXX @ XXXX I was able to speak with a fraud specialist name Miss XXXX who agreed to participate in a 3 way call with Capital1.  We were able too speak with Capital1 supervisor Mr.XXXX  whom was informed of the 2 parties on the line and that this was on a recorded line. Miss XXXX spoke on the behalf of XXXX  and acknowledge that the CC ending in XXXX was mine and it had been reported in error as fraud.Mr  XXXX then informed us that he wouldnt be able too reinstate the card as previously mentioned by different agent. That it was being investigated by the back room! I asked what is the back room and who was the investigator? He couldnt provide with any additional information about the back room and he didnt know who was the investigator. I then stated to Mr XXXX that there was something fishy about what he told us and that I wouldnt be making another payment on Capitol1 CC XXXX until I was contacted by the investigator. I also asked Miss XXXX if she would save this recording for further use just in case this becomes a legal issue if they ( Capital1 ) start to attack my credit for nonpayment. On XX/XX/XXXX I received a letter informing me that my dispute had been closed and the accuracy of my account had been validated. I contacted Capitol on XX/XX/XXXX and spoke with account supervisor XXXX whom informed me that the account was closed and that I needed to reapply for another card! He also stated that I was still responsible for the charges on card ending in XXXX but I wouldnt be issued it back. I then stated to him that I would be in touch soon!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
This is a follow up to complaint # XXXX. This collection agency continues to claim a debt is owed without furbishing any evidence whatsoever beyond just saying that the " debt is valid and has been verified ''. I owe do not owe any many whatsoever, and evidence of the debt and visit must be provided or the derogatory remark removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
I sent letter to pay for delete, this is on going first I contacted XXXX XXXX XXXX XXXXXXXX they are no longer owned by XXXX XXXX. XXXX XXXX stated the debt was in the hands of professional debt management. I contacted professional debt management XXXX XXXX the president or whomever he is to the company stated in order to delete file from credit report, he needed to get approval from the Client, the client XXXX XXXX XXXX VP of operations stated they no longer owned the debt. Now the client has been sent the settlement letter of unfair practice because XXXX XXXX does not need approval from the Client to remove from file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
This complaint is against Transunion, XXXX and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. XXXX has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows time-barred debts to remain on a credit report way past the seven years law allows. I've requested supporting documentation regarding Transunion 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. I'm XXXX years old my credit report should reflect 34 years of credit history, instead it shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

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 2019-11-08 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: FL

Complaint narrative:
I forwarded to Experian National Consumer Assistance Center. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I want to get remove one negative item. But still it is not been remove.

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 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX of this year, I was promised by American Express that an incorrect reporting on my credit report would be re-aged ; I had promised to pay the account in full. I was told this process could take up to 30-60 days however but by XX/XX/XXXX this was not resolved and I resent a fax outlining this issue. No effort has been taken by the company to resolve this customer service issue and instead the company has kept charging late fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Over the past 2 weeks, I have been receiving excessive amounts of telephone calls from the company listed in this complaint. The calls occur between XXXX XXXX and XXXX XXXX to my cell and at my job. The company does not have the right to harass me at work and I want this to stop. It is extremely distracting to be told 5 times a day that I have a call from this collection agency while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CORELOGIC INC
State: NY

Complaint narrative:
these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.

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 2019-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is my name my social security number is XXXX XXXX year of birth. Equifax refused to do my dispute over the phone the office of consumer affairs keep s telling  me to send in documents in order to do my dispute they also refused to give me information about my credit report

Company response to consumer: Closed with explanation