vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX I realized I lost my Chase Sapphire Preferred credit card. I promptly called Chase to let them know, and they cancelled the card and on Wednesday they sent me a new card via XXXX. On Sunday I was contacted on XXXX   by someone who said they had found my credit card in the middle of the street in a town in XXXX. After providing some information I had figured out that this was the new card that Chase sent me as a replacement. 

The most worrying part of this situation, is that someone was able to use my replacement, new, and yet to be activated to make several in-person purchases. I found this out only after contacting Chase and letting them know that my replacement card had ended up on a street in XXXX somehow. 

It is unclear why the card was able to be used before being activated. When I asked the Chase representative about this they said they had no information and there was nothing they can do about it. 

In my opinion this is a blatant security breach and an inherent problem with Chase bank, who have apparently decided to allow for replacement cards to be used to make in person transactions before the card had been activated by its rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: OH

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2020-09-23 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: OH

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2020-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ME

Complaint narrative:
Heartland ECSI is the servicer for my Perkins Loan. Over the past several months of the pandemic ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), ECSI has continued to charge interest on this loan in violation of the CARES Act, signed into law in part to halt interest charges on federal student loans. 

I never stopped paying my Perkins loan during the pandemic, in part because ECSI has been difficult to deal with in the past. However, when I reviewed my loan statements in the past few days, I noticed that my payments for XXXX, XXXX, XXXX, and XXXX were being applied to interest first, then principal. The CARES Act was supposed to prevent loan servicers from collecting interest until XX/XX/2020. That is not happening, and I suspect Heartland ECSI is committing this same violation to most, if not all graduates/students who hold Perkins loans. I applied for a forbearance to halt payments so I could have time to research this. Heartland ECSI applied the forbearance for XXXX and XXXX. I am a public servant attorney for a state government, and have worked very long hours during the pandemic ( up to 15 hours per day ) to serve the people of my state. My vision has deteriorated drastically during the pandemic due to these long hours and time spent using computers. I have incurred {$1400.00} in XXXX costs over the past 3 months alone for my eyes. 

ECSI Heartland is the only federal loan servicer that has continued to charge me interest. The interest stopped on my XXXX XXXX loans and my other federal XXXX loans serviced by XXXX. I don't know why my Perkins loan is being charged interest when others are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NV

Complaint narrative:
On XX/XX/XXXX I applied for my first Citi card in the branch of XXXX, CA XXXX. A Citi ThankYou Premier Credit Card, which would land me XXXX ThankYou points for {$4000.00} in spending over 3 months. At the time when I applied, I shared the concerns with the banker ( female, XXXX ) that spending {$4000.00} in 3 months may be a fickle given the outbreak of COVID, she then said : Citi is likely to offer certain benefits to minimize the issues. 
Then my first contact to Citi Customer serivce 1 month prior the offer ends ( end of XXXX ), Agent confirmed the customer whove applied for a new credit card between XX/XX/XXXX through XX/XX/XXXX can receive three more months to earn the welcome bonus. 

I then escalated to supervisor just for sure. After supervisor had also confirmed the offer for an extension of three more months ( The expiration date will be updated to XXXX. ) I have no issues checking the status of spending untill XXXX XXXX when a citi agent said she couldn't find any extension attached to the credit card, thus the promotion is expired! 

The second contact with Citi again on XXXX XXXX and explain the situtations with a customer service agent, she then apologized for the misinformation after she checked with other departments, claimed : no such offer was given. 

A supervisor was being involved, she then confirmed an extension request was made back in XXXX and it is still valid. ( which was a mindblowing experience ), I was able to have her name : XXXX, and her position : Account supervisor, to be sure. 

The third contact with Citi on XXXX, I talked to a supervisor just to confirm the extension, she confused and said nothing was showing on her side ( Rising the discrepancy of the policy ), she can only offer XXXX reward points as an apology for the mis-information. 

Moreover, it is ridiculous for such time-consuming conversations, since they have voice-recording policy everytime when I speak to a supervisor, which just an undeniable fact that they ignore the fact intentionally and cause a painful experience to customers. 

Overall, I have been given the wrong information over and over again, yet Citi can't even communicated well on this, I've found XXXX reported the extension policy in XXXX ( https : //www.cnbc.com/select/coronavirus-credit-card-sign-up-bonus-extensions/ ), which Citi is included, I also collected evidences from my friends and myself showing they have made such statement. Please refer to the documents attached.

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 2020-09-23 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: NC

Complaint narrative:
MY IDENTITY WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a 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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I signed a rental agreement from XX/XX/XXXX until XX/XX/XXXX. I had numerous issues with this company from having strange men that supposedly were there to spray for bugs just walk into my home without knocking or announcing themselves. When this happened I requested to have someone contact me from corporate which never happened at this time i made it very clear that I would not be signing another lease. In XXXX I went to the leasing office again explained My current landlord would be sending over a rental verification because I was not renewing the lease and could they fax it back This was on XX/XX/XXXX. My new landlord advised that she never received the verification so I went back to the leasing office gave the young lady that sits by the door the documentation stating I would be out by XX/XX/XXXX. She stated she would resend the verification to my new landlord but of course they did not I had to go back and forth to this leasing office until XX/XX/XXXX and stand in front of the woman that claims to be a manager but is extremely nasty and watch her fax it while I stayed on the phone with my new landlord. AT this time I advised and asked do I need to do anything else with yall to make sure im in good standing with you all. She said I was all set just turn in my key which I did on XX/XX/XXXX. Mind u I moved out on XX/XX/XXXX and also paid the rent that was owed. Maintenance and everyone in that office was aware I was moving. I have copies of documents provided to me by the apartment complex showing where all payments were up to date as well as my current bank statements. I never once signed a new lease and my rent was XXXX and that simply doesn't add up to over XXXX dollars owed to them not when i have proof they were paid out. On top of that I never got my security deposit back either. I was told by others in the building that XXXX XXXX XXXX will just continue billing u each month even when they should not be which is obvious in my case because there was no damage no stains on the floor no holes in the wall or anything just an empty apartment when I turned my key in. I have made several attempts to call them since then and I get no response. I call and call and nothing. Even the collection agency that I realized they used to add this to my credit just sends u to voice-mail. This was the absolute worst experience dealing with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a balance on my Barclays Business Card in the amount of {$5800.00} on XX/XX/2020. I made a payment on XX/XX/2020 in the amount of {$900.00}, which my statement shows. However, Barclays Bank never deducted the {$900.00} payment from my balance and is now telling me I still own {$5800.00}, after they already took the {$900.00}. I called on XX/XX/2020 and spoke to XXXX who can not give me an answer. This has happened in the past where Barclays added a {$2000.00} charge to my account and it took three months and a complaint to you to get that {$2000.00} removed. It's absolutely ridiculous that I need to go through this account on line every day to make sure they do their properly.

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 2020-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I disputed inaccurate information on my Equifax credit report. That dispute number is XXXX. I never received a response from Equifax. I called to check the status on XX/XX/2020. The first representative said he didn't see the dispute. I explained to him it was just pass the 30 day mark, and gave him the dispute number. I told him I was reviewing it on their website. he placed me on a brief hold, then a supervisor came on the line and told me the investigation was completed on XX/XX/2020, and the information would remain on my Equifax credit file. I questioned why wasn't it showing completed on their website, but she didn't have an answer. I asked her what was the method of verification they used to complete the investigation, and she confirmed they verified via XXXX XXXX. I asked if she could send me a copy via US mail, and she agreed, since I had not received a response from Equifax. 

I also checked my XXXX XXXX consumer file. There is no indication that Equifax verified any information since the ordinal date of my dispute. It doesn't show an inquiry from Equifax, so I'm wondering how they verified and completed the investigation. 

As of today, I still have not received any communication from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In XX/XX/2020 at the beginning of Covid 19, my equifax score was above 700. My complaints is with equifax. In XX/XX/2020 i made arrangement with XXXX XXXX for a two months deferment on auto loan for XXXX and XXXX payment. In XX/XX/2020 only my equifax score dropped 80 points. XXXX had reported that i missed two payments. When equifax contacted XXXX, XXXX corrected the report to show the deferment arrangement. However equifax have refuse to restore the 80 points due to XXXX report. I have file complaints with equifax and they refuse to correct. I appreciate you looking into this compaints against equifax. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim to identity thrift

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid the debt for XXXX XXXX original creditor XXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.

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 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the debt for XXXX XXXX original creditor XXXXXXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.

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 2020-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid the debt for XXXX XXXX original creditor XXXX XXXX Bank. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
Sometime in XXXX an XXXX Account was fraudulently opened under my name. 
I contacted CCS Collection Agency and provided all the information that they requested along with an identity theft report to their XXXX Fraud Department, unfortunately I continue to get the run around and claims of missing documents requested. 

I also submitted the same request to all three credit bureaus with success of the collection removed from XXXX XXXX and XXXX. XXXX  acknowledged and removed the address of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ma XXXX which happen to be the address XXXX is stating the service was rendered. Please help me with this issue. I'm trying to repair my credit ; also value and take my credit seriously. Thank you you very much. I appreciate all your help. 

Kind regards, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: AR

Complaint narrative:
On XXXX XXXX, 2020, I went to XXXX XXXX in XXXX, AR to purchase tires. XXXX XXXX offered financing through Westcreek Financial. The tires I needed for my truck are expensive so that seemed to be the best option. No information was given to me about the lease while in the store, nor was I given a physical lease agreement or asked to sign anything other than the form verifying my personal information. XXXX XXXX performed the service on my truck and sent me on my way. A few hours later I received an email saying I needed to sign the lease agreement. I never signed it. Westcreek took money out of my account every week for some time. When I had paid around {$700.00} of the loan I called to see how much remained, as plaza said my credit line was around {$800.00}. Westcreek then informed me that {$800.00} was the original payoff, since I hadnt paid it off in a specific amount of time the final price was now around {$2000.00}. I told them I wasnt given any information at XXXX, nor did I sign the lease agreement or even receive one until after I had left the dealership. Nonetheless I offered to pay the rest of the original amount and Westcreek denied. Given legal advice from a close relative, I was assured that I should leave it alone. I offered payment and it was refused. Westcreek also says they have a copy of where I signed the lease agreement, but that is absolutely impossible. On top of everything else, I asked them to stop calling me. Every day I receive around 3-5 calls from Westcreek. I was also legally advise that it was harassment. I have nowhere else to turn, other than hiring an attorney. If it comes to that point, Ill be ready. But Im trying everything else before. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
Hello, How are you? 
On XX/XX/20 I received an alert that a compony STERLING JEWELERS/XXXX  pulled my credit in which it was not authorized by me. I received a call from one of the representative from STERLING JEWELERS/XXXX  due to having a fraud alert on my credit to verify that I had authorize it and I notify the representative that it was not authorize by me that it needed to be removed from my credit. The representative assure me that it would be taken cared of and until today XX/XX/20 its still showing up on my credit report as a hard inquiry. The company failed to removed the inquiry even after it was confirmed with me over the phone that it was not authorized by me. I need to company to delete this from my credit report from both XXXX  and XXXX  or prove that this account was authorized by me with verification of authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One reduced my credit limit from {$10000.00} to {$5000.00} even though I have 3 years of perfect credit history with them and wont listen to me when I call and ask about it.

Company response to consumer: Closed with explanation