vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am a desperate consumer and I need to get a fair solution to this issue. I am submitting this complaint because I am being extremely affected by JPMORGAN CHASE BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

In XXXX of this year, I attempted to combine 2 of my JPMORGAN CHASE BANK business card limits into one account. 

I called JPMORGAN CHASE BANK and with the help of the phone representative I was able to close my Chase business account ending XXXX and transfer the available credit limit to another other card ending XXXX, thereby increasing the limit on the open business card ( combining credit limits ). 

Once the account ending XXXX was closed it was removed from my JPMORGAN CHASE BANK online profile and I was told the account was paid off and closed. 

Weeks later, Chase calculated there was an extra interest payment due, which I was unaware of at the time. Because card was closed, I couldnt see the account online and see if there were any new charges. 

Moreover, it was on auto pay before and that too was cancelled. It was around a {$20.00} interest charge. 
They reported me late for XX/XX/XXXX and XX/XX/XXXX! 

JPMORGAN CHASE BANK claims they were mailing notices, to an older address of mine, I have not lived at in years. Moreover, I was travelling at the time and every time I logged in Chase did not show me anything about a past due account. This is completely unfair and is a negligence on Chase side. 

Information Account : Balance : {$0.00} Credit limit : {$500.00} Opened : XXXX. XXXX, XXXX I WANT TO GET THE ACCOUNT REMOVED FROM ALL 3 BUREAUS OR THE LATES TO BE CORRECTED ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 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: U.S. BANCORP
State: NJ

Complaint narrative:
Hi, On XX/XX/XXXX my credit was pulled for a XXXX auto loan which I fully agreed to. Since this date, there have been 2 additional unauthorized hard inquiries, one on XX/XX/XXXX and another on XX/XX/XXXX. The subsequent hard inquiries were not authorized. I do not understand why 3 separate inquiries were needed since my original application.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
Good afternoon, I have 4 home loans with AimLoan.com. I have always made my payments on time. I requested a 3 to 4 month forbearance just in case my tenants had any issues with paying. Everything was okay, so I requested to leave forbearance and I continued making my mortgage payments timely and have done so for 6 straight months. When the company recalculated the new loan balances after I requested " payment deferral '', I received my new statements. I called the company to go over the new loan balances and if they applied my mortgage payments properly. I noticed they " suspensed '' the mortgage payments during the 3 month process to complete the payment deferral, and I am afraid they did not properly apply these payments properly. I did get a call from a manager and he stated he would go over all 4 loans with me to see if payments were applied and new loan balances were correct. He never called me back after initial phone call. I'm afraid that this company is not processing payments correctly and I need them to send me a detailed breakdown of payments received, principal applied and forbearance payments added back in. 

I have called this company probably a dozen times over the last 4 months. I have reached out to XXXX XXXX customer service and they are trying to help. 

Please help me figure this out. I understand everyone is busy due to covid and the forbearance process, but I should be able to get an accounting of my payments to my mortgage servicer. 

Thank you in advance for your help. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CITIBANK, N.A.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae has refused to disperse {$7000.00} of a {$20000.00} loan that was contracted to be paid to XXXX XXXX School for my tuition. They attempted to gain my approval for this unwarranted unilateral renegotiation by notifying me in the middle of the night from a no reply email, claiming that my school requested the change. My school called their claim fraud and said they made no such request. I relied on my contract with Salle Mae to get me through XXXX  school and now that I'm halfway through Sallie Mae has pulled the rug out from underneath me by breaching the contract we had.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase describes fees for sapphire reserve at XXXX 16.99 % 23.99 % variable APR. They charge me several points higher, and made no change to reduce me to this range despite having lower interest rates this year across the board. 

When checking their terms, it is listed as : 16.99 % to 23.99 %, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. 

Meaning, they checked my credit and decided to place me above their own stated range. This is misleading. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-21 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-21 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
got debit coll noticed, didnt mention debt owe to who

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2020-12-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been disputing this account on a monthly basis since XXXX/2020. The account reporting is Synchrony Bank XXXX XXXX XXXX. I have never had an account with this company and I have disputed this information through the bureas and through the company itself and they continue reporting which is against my consumer rights and against FCRA laws. 
This account is showing as a charge off with a balance which is harming my credit.

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 2020-12-21 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2020-12-21 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had someone take {$300.00} in money from me the day before thanksgiving. Bank of America closed the card sent a new one and said they have no definitive date for when I will get my lost money back. 

Then a week later they close my new bank card with no explanation as to why and say its the DETR office Nevada who did it. So I call the DETR office and they say its BOFA that did it and to call them. 

This is very fishy and now Im missing my 5th week of {$300.00} for lost wages program {$300.00} thats stolen from me through Fraud and the little money I had left in the account I cant access because they closed my account. 

This is outrageous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have had issue now for over 4 months with my CapitalOne account. I do not own a phone and have tried to log in to the account they won't let me. I am literally being held XXXX over this. They have actually been spending money not to assist me on this even though I told them I have a XXXX and I do not own a phone they will not work with me. 



I literally have had to over the last 4 months make back and forth trips to the capital one caf just to make payments and I'm getting irritated at this point if not irate!!! I spoke with the manager of the capital one caf Mr. XXXX XXXX back in XXXX and he seemed to want to resolve the issue. He explained to me that he was going to reach out to the escalations team. However, I didnt hear from in over a month. He then responded saying that he was on a leave and that I could make an appointment to speak with him and see what we could to resolve this however it's been a week and I have not heard d back from him. 



They sit here and say were not preventing you from making payments that you can have them mailed. Thats not what this is about folks it's about having the ability to have access to my account. I want to check my transaction history I want to make payments at the convivence of my home and I want access to the rewards that come with my quicksilver card. 



They put me through all that hoop de la garbage just so I could get a new card but refused to allow me access to my account online. Even though capital one has copies of my driver 's license and knows I'm the legitimate card holder I was able to go through the customer service chat and have a card order however when I spoke with them about simply having the rewards that have been accumulating on my account and they said they couldnt do that. 



I dont know what capital one 's deal is when it comes to this, I am under distress from this and im not backing down from this it's been 5 months and I have to have access to my account remotely I have to check my credit wise alerts I have to check my transaction history when needed in a timely basis And I am entitled to my reward on my quicksilver card And you can't tell someone because they dont have the ability or access to a phone that they can't log on to their account This company has some nerve to tell someone they have to go out and get not just a phone but a mobile phone plan that is under my name simply to receive one text message why can't the company just work to resolve this matter I have said it over and over I'm more than willing to provide other means of documentation or verification that I am the legitimate account holder But they will just rubber stamp this spent XXXX dollars to air mail a copy and pasted letter saying were not doing anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am an XXXX XXXX XXXX XXXX, forward stationed in XXXX. 

On XXXX XX/XX/XXXX, I tried to remove a security freeze from my Experian profile in order to get move forward with a mortgage pre-authorization. After submitting all my information, the website gave an error that " We are unable to honor your request. '' It included information about how to submit documents and payment for various services. Despite the header of the new page reading " Experian - Remove a security freeze '' the options for " I am requesting : '' at the bottom of the form were all in relation to getting a credit report. There is a final option for " Other ( please explain ). '' I attempted to contact Experian on the phone, during business hours, but was unable to get a real person on the line, despite trying multiple phone numbers. The automated system provided no information and wasn't even able to find my profile. I tried calling back multiple times to test all the options, and many of them lead to the automated system simply hanging up the line.

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 2020-12-21 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
I had an incident with XXXX that was identity theft. I resolved it with XXXX and they did find that it was identity theft and I do not owe the debt and provided me with a letter stating that the collection agency was to remove the debt from my credit report on XX/XX/2020. After notifying Franklin Collection Service of this and providing them a copy of the letter they sent me a letter back stating that they validated the debt which is obviously not the case on XX/XX/2020. Since then I have sent an additional letter to the credit bureaus on XX/XX/XXXX but they came back and said that the furnisher is reporting this information correct even though I again sent a copy of the letter requesting that the inaccurate information be deleted. I am now sending another letter to Franklin Collection today via certified mail prior to commencing with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The company failed to respond within the legal allowed 45 days initially. A certified letter was sent on XX/XX/20 There should be no more conversation about this matter. You did not get back to me within the time and could not verify within that time. The accounts in question should be immediately deleted.

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 2020-12-21 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2020-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I created a XXXX credit score account. Upon reviewing my XXXX credit report, I saw a debt that I did not recognize, allegedly due to " Central States Recovery, Inc. '' I reviewed the debt and have no reason to believe that I owe it. I never received written notification or any other communication from Central States Recovery about this debt before seeing it on my credit report. None of my family members have been contacted by phone, mail ( my home of record ), email, or otherwise. I have no reason to believe that they ever sent me the required written notification of this alleged debt. I called Central States Recovery on XXXX XX/XX/XXXX after submitting a dispute with XXXX, and the woman I spoke to said that she could not give me any information about the debt. I asked several times for her to please give me any information at all, all to no avail. I asked to speak to someone else, and she told me that I could not do that. I asked to speak to the legal department, and she said that they do not take phone calls. I asked if I could make an appointment with them, and she said they would not be available until XX/XX/XXXX. She refused to cooperate with any of my requests for information, and when I continued to politely ask why I was being denied information, she hung up on me. I have sent a written dispute and request for verification of the debt via certified mail with return receipt requested.

Company response to consumer: Closed with explanation