vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
CEASE AND DESIST PULLING PROMO INQUIRIES I AM AN EXISTING CUSTOMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was approved for {$2500.00} through Synchrony Bank for an XXXX XXXX   purchase. I attempted to make a purchase multiple times that failed on XX/XX/19. 

Synchrony Bank is saying I have two orders. XXXX XXXX says I do not have an order. My credit limit is now maxed with no resolution. 

My XXXX was also charged multiple times for shipping and taxes. And again, no order has been placed. Please see attached docs.

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 2019-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the accuracy of items being reported on my credit report by XXXX, XXXX and Experian. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages

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 2019-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.

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 2019-03-31 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: GA

Complaint narrative:
I am formally writing this letter of complaint to you in regards to Experian Credit Bureau. Experian violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 ) certified requests for Experian to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines with verifiable signed contract. The accounts that I have asked for proof are as follows : XXXX XXXX Acct XXXX reported amount XXXX, XXXX XXXX reported amount XXXX and XXXX XXXX Acct # XXXX amount XXXX. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Experian is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Experian. Due to the negligence of Experian failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request if not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Experian. Thank you for time and look forward to this negative impact to be resolved.

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 2019-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I register account in TransferWise company to use service of international transfer to XXXX ( XX/XX/XXXX ). 
After my registration was completed, I set a transfer to XXXX for amount of {$100.00} XXXX. To complete transfer I had to top up my TransferWise account with amount of around 110 USD. XX/XX/XXXX I transfer money to Transfer Wise company from my private account - amount of {$110.00} USD. 
After that TransferWise deactivated my account, cancel the transfer that was set, and block my money. 
I send the email XX/XX/XXXX with questions 1 ) how to access account 2 ) when the transfer will be completed The answer inform me that : 1 ) my account is deactivated and following the regulation of company the investigation process for find reason may take up to 60 days. 
2 ) my transfer is cancelled. 

I request to get my money back. I had name this practice by stealing. However TW ask me for account number and proff of ownership to account. - I am a tour guide and I don't carry that kinds of documents with me! 

Due to those procedures ( which I doubt are legal to the law ) I wait to get my money back till XXXX. 

I received amount of {$90.00} USD to my account. 
Differences 16.6 % less than I send. - $ XXXX. 
I wrote email to clarify this, and answer from TransferWise said that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Thanks for your response! 

We received funds from you as a SWIFT hence we processed refund using the same payment method. 

Please note that SWIFT payments incur extra charges as intermediary banks as well as receiving bank may charge their own fee.

Unfortunately, we are not aware and have no control over these fees. 

Just in case, you can read more about SWIFT here. 

I hope this explains why you have received less. Please, let us know if you have any questions We are happy to help! 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Today is XX/XX/XXXX. 
- I did not receive email that explains reason of why services I ordered was cancelled, account deactivated, money blocked. 
@ transferwise stuff informed : following theirs " company regulations '', account may be deactivated and investigation XXXX take up to 60 days, after that email will be send. They did not. 

- I transfer to TransferWise {$110.00} USD, and after unknown reasons of refusing me to use their service, I received back to my account amount lower of 16.6 % / $ XX/XX/XXXXUSD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!

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 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/2014 we purchased furniture in XXXX XXXX XXXX in XXXX, Ct ( sales order : XXXX ). Their address is XXXX XXXX XXXX XXXX, XXXX, CT. Phone number : XXXX. 
To induce me to purchase the furniture items the sales person offered us 5 years interest rate free loan in the amount of {$3000.00}. The sales person never mentioned that the interest free period continues only for two years ( we were said that we will pay 0 % for all 5 years ). Recently we discovered that actual interest free period was only for 2 years and that we were charged 30 % interest rate retroactively since the first day we purchased the furniture. 
We strongly feel that this transaction is a fraud by XXXX and by Synchrony Bank which provided the loan. We were charged thousands dollars in interest and fees about which we were not aware and never would assume such a loan if we new that interest rate is 30 % per year instead of 0 % for 5 years as was promised to us.

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 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a {$200.00} payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To whom it may concern, - XX/XX/XXXX an unauthorized amount totaling {$0.00} cents was deposited to my Chase business checking account. 

- XX/XX/XXXX an unauthorized amount totaling {$2300.00} was withdrawn from my Chase business checking account. 

- Both incidents where initiated by the website XXXX and the transactions where unauthorized and done without my consent. 

- XX/XX/XXXX the suspicious withdraw was noticed and I filled a claim with Chase immediately. Claim # XXXX Chase bank acknowledged the fraudulent transactions over several phone conversations but still they refuse to return the money. Since the claim was filled, the money has been returned to my account only to be taken back out by the claims department on 3 different occasions. 

On the final phone call with chase, I was told by an upper management representative of the claims department that because I did not alert claims about the {$0.00} cents deposited by XXXX on XX/XX/XXXX, it made the withdraw for the amount {$2300.00} justifiable. 

Please, I have been fighting to get my money back since. The amount {$2300.00} has been returned and taken back from my chase account on 3 different occasions. They refuse to give me written documentation stating the reason for not returning the funds. This is a large amount of money and need help retrieving it. 

Chase Bank XXXX XXXX XXXX # XXXX Routing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was involved in a motor vehicle accident in XX/XX/2019. 
It required a lengthy hospital stay and XXXX operations. 
When I was able, I notified all of my creditors of my situation and promised to address any outstanding bills as soon as I was able. 

I paid my account in full with Synchrony Bank. I asked that the account be closed and I also noted that by accepting payment for this account, they would delete any negative credit reporting associated with my account. 

They cashed my check then followed up with a letter stating that they would not delete any credit information on my account. 

By cashing and accepting my payment and the terms associated with payment, they have breached an agreement.

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 2019-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has repeatedly been calling my mother in law who is XXXX and when she did not answer, they started sending letters. Not once have they reached out to me or my husband. This is all a scam. They need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 I used my Citibank 's card Thank You rewards network for a hotel stay in NC. As result of the issue the hotel management issued a refund ( attached ) at the amount of {$42.00} which was paid to the Citibank 's travel processing vendor as it was responsible for handling the transaction. As of today the amount was not returned back to my credit card. When I contacted the Citibank 's vendor XXXX XXXX I was first put on the very long hold and then subsequently mocked and laughed at by the customer service representative ( I strongly suggest the Citibank to pull the call and hear it how it was handled ). It is reprehensible that the refund is automatically returned back to the cardmember and the Citibank allows its own vendor to what amounts to fraud. 
Question : what are the standards by which Citibank 's own rewards travel program is administered and why the Citibank doesn't not have any oversight on how issues such as this are handled. 
Ultimately I accrued the rewards points and used them as result of thousands of dollars of purchases with the Citibank card and I hold Citibank ultimately responsible for the issues resulting from its and its vendor 's abuse.

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 2019-03-31 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am having a problem getting this year 's CR from Equifax. My last Equifax CR is dated XX/XX/XXXX. I called the 1-887 phone number on XX/XX/XXXX and ordered my federally mandated CR from Equifax. I did not receive the Equifax report. I called again on XX/XX/XXXX and ordered my CR from Equifax. On both occasions I was told I would receive my CR in two ( 2 ) weeks. I have not received my CR. On Sunday, XX/XX/XXXX I called a " help line '' XXXX. To ask why I did not get my CR. I was asked numerous questions regarding my account at Equifax. I was told to submit my name, address, phone number, a copy of my " identification '' and social security number to XXXX. XXXX XXXX, XXXX, GA XXXX asked why all this trouble to get an Equifax CR. The person on the end of the line said she did not know because the call center is in the XXXX. I found this alarming because I gave her personal information including my social security number. This is unacceptable in my opinion. Further, why didn't Equifax send me a query the first and second times I ordered a CR. Please help me get my Equifax CR. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: NJ

Complaint narrative:
I applied for a XXXX and was not instantly approved. I looked at my XXXX credit report to see why and noticed that my Husband 's card which he removed me from 5+ months ago was still reporting as currently and negatively impacted my score.

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 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I had a vehicle in my name that ended up being charged off with Santander. Santander sold my account to a collection agency XXXX. XXXX  contacted me to see if I would be willing to settle the account for {$2000.00}. I agreed and was advised that after the final payment was made that I would receive the title and that I would be able to have the charge off removed from my credit report. I paid the agreed amount and was sent the title, however, when I contacted XXXX  about when my credit report would be updated they advised me to contact Santander since Santander was the original account holder. I contacted Santander via phone and they told me submit a dispute to have it updated. A dispute was sent on XX/XX/2019 and no response has been received. As of right now my credit report still has the payment status listed as in collections/charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OH

Complaint narrative:
Got a loan thru XXXX XXXX for 250.00 came across difficult times could not pay back they contacted employer and said to garnish wages human resource person called me and asked me about this no court order I agreed to 50.00 biweekly what they want is 750.00 I have already paid about 400.00 is this legal

Company response to consumer: Closed with explanation