vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: WA

Complaint narrative:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase holds the mortgage on my property, it is being serviced by one of their subcontractors, XXXX XXXX XXXX. I have owned many properties and have done business with JPM for years, and, I have never worked with a company worse than XXXX. Their website is not only outdated and cumbersome, but when trying to login to my account, it simply has a processing message and does not load. I have called several times and opened a support ticket, but received no response. I have tried to set up automatic payments, but they will not do it over the phone, so, with no working web account, and no phone ability, it is impossible. When paying monthly using their automatic payment line, they will only process the payment on the day you call, so, either pay in advance pointlessly, or be sure to pay on the day it is due. This is so bad, it goes beyond incompetence, I believe it is a fraud to gain more late payment charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CA

Complaint narrative:
I have recently received a copy of my credit report, The report had an account listed that are not mine..I have disputed the accounts for months with the credit bureaus as " not mine '' but it recently came back as verified ... I have never had an account with these companies..Please delete immediately before further harm is done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am adding up all my loans from both of my schools and I am requesting original loan documents and statements of balance since date of disbursement and they are not helping. Things are just not adding up. I don't if it is because I am better educate but I can not wrap my head around the fact I barrowed $ XXXX and had to repay $ XXXX at time of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX we received XXXX XXXX XXXX XXXX XXXX credit cards from Chase, which partners with XXXX on their credit cards. We never requested these cards, and if we had authorized them and used them, we would be charged for an XXXX XXXX membership we never signed up for or requested. In speaking to both Chase and XXXX, it was clear to us that this is happening to many other consumers, because both parties kept referring to internal websites instructing them to escalate our issue to a superior if anyone calls to complain, although they all steadfastly denied what they did to us. We have a Chase XXXX credit card that we have held for almost a decade. The cards are not set to expire until XXXX. Chase and XXXX both are conspiring to send these XXXX Rewards Cards to regular Chase XXXX credit card holders without their knowledge or consent, in hopes that we will authorize them and be stuck paying for an XXXX XXXX membership. We get better benefits with our Chase XXXX credit card than we would with the new Chase XXXX XXXX Rewards card, so they are trying to force us into the new rewards card, and into an XXXX XXXX membership we don't want and didn't sign up for. My spouse signed up for an XXXX XXXX trial several months ago, and then cancelled it. XXXX used this as an excuse to send us their new XXXX Rewards card, even though we do not have a XXXX membership, and did not request the new card. They are clearly hoping that many consumers who, like us, hold a Chase XXXX XXXX credit card, will assume this new XXXX Rewards card is just a new card for an existing credit card account. The account numbers on the new XXXX  Rewards cards we received are EXACTLY THE SAME as the account number of our current Chase XXXX XXXX card. If we had signed, authorized, and used these new cards we received today, we'd be on the hook for an XXXX XXXX membership fee and lower benefits and a higher interest rate than is the case for our current Chase XXXX XXXX. Clearly both companies are hoping people like us won't notice the difference and activate the cards. This is blatant account fraud on the part of both XXXX and Chase, and in dealing with both of them on the phone today, it's clear they are aware of what they are doing and colluding together. And now, we have to have new Chase XXXX XXXX cards issued, because Chase invalidated our current credit cards by sending us the new, unrequested XXXX XXXX Rewards cards. We know that thanks to XXXX XXXX and the Trump administration, this blatant account fraud on the part of XXXX and Chase will probably not be pursued, since they are determined to dismantle the CFPB, but this is our record of our attempt to report these two companies for the crimes against consumers that they are clearly conspiring trying to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: OH

Complaint narrative:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-14 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: OH

Complaint narrative:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of 2018 my Citi AA Advantage card had a fraudulent charge so I was issued a new card with a new account number. From that point on this account no longer reports on my credit file with all 3 bureaus. I have written monthly to Citi including sending credit reports asking that they report. Every month I get a letter stating they are reporting and it will update in 30 days. It never happens. I have 2 authorized users and this account is reporting on their credit files. I am the primary and it does not report on mine. XXXX XXXX told me Citi needs to contact the XXXX XXXX support line so they can walk them through what is wrong on their end. I have requested this but still no results. Please 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 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had approximately 6 credit cards ( Capital One, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX ) and with each of them I opted to pay extra monthly for " credit protection ''  which claimed in case of identity theft or an unexpected event took place such as loss of employment, or injury occured my balances would be taken care of. After seven years of paying into said " credit protection '' following an negative occurrence which lead me struggling to keep up with my payments till eventually not being able to even meet the minimum payments ; the " credit protection '' was nothing more than a waste of money that did the opposite of protect my credit. It lined the pockets of the financial institutions and destroyed my credit. I had contacted my creditors numerous times, but it was a waste of time that led me from one representative to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the firm blocks online access to personal accounts of customers in order to prevent customers from disputing credit information on own reports. Also, the firm Experian created many phone numbers which do not lead customers to anybody or anything solving their concerns. It took me several days and dialing several different numbers to finally get a live person to answer. That person was XXXX who refused assistance, also refused to take my complaint, stating he did not see any matter which was required escalation. His supervisor XXXX also refused to assist, argued that all complaints only can be placed " internally '', the firm ' s policy not to address customer 's complaints. Outrageous! The call was placed by me today on XX/XX/2019 at about XXXX XXXX to number XXXX. Currently, I am locked out my online account and a written request for my annual report was ignored. This is a clear violation of federal laws.

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 2019-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN is volating my consumer rights. Experian responded to my CFPB compliant stating the following 1 of the disputed accounts reflects current/never-late status, and another disputed account displays no late payment history, as indicated by consumer. 2 disputed accounts do not appear on consumer 's report. this was from complaint ID XXXX Experian has stated they are looking into my reports while completely contradicting their own statement. This complaint will show proof that Experian will say and do anything while attempting to confuse and deceive consumers. 

I received a letter dated on XX/XX/2019 that was sent to me as an answer to this very complaint ID listed above. 

In THIS LETTER that I have attached to this complaint is showing accounts that Experian has said previously that was either removed or reporting as no late payments/paying as agreed. 

I sent another letter dispute to Experian and in THIS LETTER, Experian states that they WILL NOT investigate my reports. 

Experian claims that my reports are verified, per the FCRA I have a right to request the details of what Experian found in their investigation Experian WILL NOT provide investigation details, and wants me to conduct my OWN investigation giving Experian information instead of Experian providing me with requesting documents to prove accounts. 

At this point Experian is showing major violations within FCRA guidelines. 

1. Will not conduct a proper investigation.

2. Will not provide proof of any investigation. 
- verified does not show proof. ( Who/what verified? ) 3. Experian said accounts DO NOT appear on my credit report to do an investigation. ( Accounts ARE on reports- their own letter shows these accounts. ) 4. Experian has taken more than 30 even 45 days to conduct an actual investigation Pursuant to Section 611 ( a ) ( 1 ) of the FCRA.

Experian has VIOLATED my rights. I will also be sending this complaint to the Texas State Attorney General.

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 2019-02-14 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: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid. 

On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance. 

I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in. 

Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX  credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018,  asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA 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 2019-02-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank is running a scam with their " Card Security '' credit insurance. I filed a claim, it tells me there was an error and the claim couldn't go through. So I go to try again the next day and it says the claim did actually go through, strange. I go to get the documentation that I need and this is where is completely falls apart. There is a place where you can download the benefit form that needs to be completed. THE FORM IS BLANK SO YOU CAN NOT HAVE IT FILLED OUT. I have attached the " form '' they provide for your reference. Right from the start, they are trying to make it so you can not use the benefit. Then I call " customer service ''. These people must have had a script and not enough education to read anything except what was on the script. Questions like, " how long will it take for my claim to be reviewed '' got responses like " oh I don't know, I would have to escalate that and someone will call you IN THREE DAYS ''. Questions like, can I get the form emailed to me get responses like, " Yes, we can email it to you but it will take 24-48 hours and check your spam folder because people often don't get it ''. WHY WOULD IT TAKE TWO DAYS TO GET A FORM? The first woman told me a form was mailed to me. Then the second woman, XXXX who is a " supervisor '' but know absolutely no information about anything, told me she had to request it be mailed. So you don't provide the form online. You don't provide it via email or mail unless you specifically request that, without notification you have to do so, then you can't tell the customers if the benefit form will even be reviewed. She couldn't tell me if it would take 3 days, 6 months or 30 years, for the form to be reviewed, this is how clueless she was. All of this is an elaborate program to ensure that people who have bought the insurance can not use it.

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