vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I received an email with the subject line " Important information regarding changes to your Chase account '' Chase is requiring me to send in writing a letter to reject the binding arbitration clause. This is particularly onerous, when they could easily allow me to opt-out by phone or online. 

Below is the top-line of the updates from the email they sent me : " '' Important Changes to Your Account Terms Notice : Your Cardmember Agreement and associated Rewards Program Agreement ( if any ) were assigned to JPMorgan Chase Bank, N.A., as successor by merger to Chase Bank USA, N.AXXXX, on XX/XX/2019. Furthermore, beginning XX/XX/2019 all references to Chase Bank USA, N.A. in your Guide to Benefits and any additional account agreements and documents shall be read as JPMorgan Chase Bank, N.A. 
Summary of changes to your account terms effective XX/XX/2019. 
The description of the Minimum Payment calculation found under your Cardmember Agreement Rates and Fees Table is changing to a minimum of {$35.00} and to include unique payment obligations in connection with Flexible Financing Offers. 
We are introducing two new features, My Chase LoanSM and My Chase PlanSM, under which Flexible Financing Offers may be available to you from time to time, subject to the new rates and fees and Cardmember Agreement terms described below. 
A binding arbitration provision is added and the Military Lending Act Notice is revised accordingly. YOU CAN REJECT THE BINDING ARBITRATION AGREEMENT. YOU MUST MAIL YOUR REJECTION TO US BY XX/XX/2019. PLEASE SEE THE END OF THIS NOTICE FOR INSTRUCTIONS " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjust - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE AND IS CAUSING TREMENDOUS HARDSHIP. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ITEMS REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
On XX/XX/28 i contacted my Auto Loan company and i had an arrangement with them to settle my account current. Today i received a call and there is on recorded on voice mail, where the representative of " Cactus Jack 's Auto '' Located in XXXX AZ, XXXX, threat to sending my account to the recovery department. She on the end of the message said " Thats whats is happening tomorrow, and that if i have any question to contact # XXXX ". I did not like what happen, I'm a mother of XXXX kids and I lost my Job recently and im trying hard to get everything together with this new opportunity i Got and even have a arrangement with them they kept calling to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX  Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SYNCHRONY BANK I'm filing this complaint on your bank due to the fact that their is error On my credit reports from your company I have disputed this account half dozen time with each of the three reporting agencies and they state that the account is reporting correctly but I beg the differ your company is in violation of the FCRA 623 it states that the creditor must enter that the consumer dispute message when a consumer dispute and you have failed to do so therefore this can not be reported you could be sued for {$1000.00} per credit reporting agencies The law is very clear as to the Civil liability if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. please delete this account from all three reporting agency

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 2019-05-29 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: UT

Complaint narrative:
XXXX XXXX  - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

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 2019-05-29 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: UT

Complaint narrative:
XXXX XXXX - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred XXXX $ from my checking account to my charge card through the Bank of America app.on XX/XX/19 I received a text and email on XX/XX/19 from bofa stating that my payment had posted. On XX/XX/19 I received notice that my payment had been returned. I have already filed a complaint against them for closing my checking account and they returned the payment into that closed account and I have no access to the money and now they are reporting my payment as late. I transferred cash, payment was accepted and credited, bofa is ruining my credit and discriminating against me. All this is WRONG!!!

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 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/XXXX US bank raised my mortgage due to Escrow shortages. They didnt call or email they just sent a letter in the mail. Honestly looked just like my statement. Called them we basically split the difference really silly. It's all recorded I was asked to pay XXXX different amounts. I asked for a supervisor back in XXXX still to this day XX/XX/XXXX still have yet to speak with supervisor. My payments started out at XXXX in XXXX by XXXX I am at XXXX I get the tax and stuff. My Escrow account is alway XXXX because they move things around saying that I owed them from past years. The company stated that I have to have a Escrow balance of XXXX to start every year. But I always am short so I have to pay back the Escrow shortages and my payments go up. My credit score was a XXXX in XXXX now I'm having trouble getting it back up. I have almost XXXX in equity in my house but I cant refinance it due to the one missed payment and I cant catch up due to the Company wanting to break that one payment up over 3 months so I would have to pay almost XXXX a month which is not happening. If yall can pull the calls and just listen to what they said and how they are screwing me over. 

Also they sent me a project Escrow payment for the year which was XXXX. But for the whole year of XXXX I payed XXXX a month just in Escrow.

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 2019-05-29 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: TX

Complaint narrative:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Synchrony bank sam s club XXXX XXXX synchrony bank sam s club XXXX XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

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 2019-05-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: WA

Complaint narrative:
I have a XXXX XXXX lease from VWCredit bought in XXXX, California. My lease ended XXXX XXXX, XXXX. With my lease i had bought excess wear and tear protection for ( XXXX $ ) which covers damages upto XXXX . 

Fast forward ( during XXXX to XXXX ) : we had multiple incidents on our right side of the car in our XXXX XXXX XXXX parking lot. Next year : we moved to XXXX, WA and as the lease was getting over i had a series of questions with the VW credit folks. 

1 ] I was confirmed by 2-3 reps multiple times that my damages will be covered as the lease return pre-inspection report confirmed damage repairs of XXXX . This was also confirmed by the 3rd party  Pre-Inspection. I had clearly mentioned that i would like to keep the car incase the wear and tear protection does not apply to the car but i was confirmed that this will not be the case. 
2 ] Reps at VW dealership in XXXX ( XXXX 's XXXX of XXXX ) XXXX XXXX XXXX also confirmed that the damages will be covered by the wear and tear protection and you are safe to leave the car 3 ] When i got my first bill from VW after i returned the car, it came with XXXX $ bill and they missed applying wear and tear protection 4 ] Upon asking, they confirmed it missing so they send it to their wear tear protection department and after 20 days, i got another bill which reduced the bill by XXXX+ XXXX This got the bill to XXXX $ upon inquiring why the full was not covered : they confirmed that the 3rd party who looks into wear and tear feels like this was a one incident and hence will not cover full damage. 

It took me 3-4 phone calls to again check on the status and provided good amount of reasoning why the assumption of single incident was flawed and why the damages took multiple incidents but its still not working out. 

The rep offered me good will discount of another XXXX+ $ and pro-rated plan to pay XXXX $ a month. ( this was so nice of him ) But i think they are missing the commitment to resolve customer issue. 

I would love to get help on this and challenge the assumption that the damages were done in single incident as opposed to multiple one.  They confirmed if that's proved, the charges will be XXXX. The assumption is clearly flawed as a ) there is no symmetry on the damage on both the front and back sides b ) the damage in the center area near the doors has far greater intensity than any other areas, clearly suggesting that there were multiple occurrences. I am happy to send snapshots of the parking place where this happened more than 1.5-2 years back. 

Thanks for looking into this matter. Hoping to get your help to resolve this. 

Attaching photos front side, middle and back side as well as the parking lot area where the incident happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 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: AES/PHEAA
State: CT

Complaint narrative:
Last year I worked hard with a PHEAA 's Consumer Advocate Associate and a Fed Loan Services Consumer Relations Analyst to get an accurate count of my payments towards Public Service Loan Forgiveness. After some back and forth with a Dept of Education staff member they arrived at 92 qualifying payments of the 120 needed for Public Service Loan Forgiveness. I submitted the yearly employment verification form to get the next batch of payments to qualify towards the 120 needed. Fed Loan Servicing   still has not processed the form, which PHEAA Consumer Advocate Associate can see in their system, from  XX/XX/XXXX. This is my 2nd request to process this form. It is almost time to recertify for the next year 's batch of payments. 

I have read a number of articles and seen on TV a number of news clips showing PHEAA and Fed Loan Servicing are having trouble processing PSLF paperwork and I don't want to get lost in the shuffle. By my count, I should be done with paying the student loans in XX/XX/XXXX ... that will be my 120th qualifying payment. 

I have placed a request to process the XX/XX/XXXX form with XXXX XXXX @ PHEAA office of consumer advocacy. I have reached out to Senator XXXX 's office to see if they can prompt Fed Loan Servicing to process the form from XX/XX/XXXX. I plan to reach out to Fed Loan Servicing borrower 's advocate. The Dept of Education 's " Ombudsman '' office was subcontracted out to a company called XXXX, and they didn't have much power, but I will generate a service request. I plan on reaching out to XXXX XXXX XXXX, a vice president of PHEAA Loan Operations to see if he is still with PHEAA and can assign someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Credit Card On XX/XX/2019, I had called to verify that there had not been any issues with my Discover Credit Card as there has been a slew of credit cards being stolen from our mail box. Called a Discover Card rep and was told there was no issues and they would send me a new card just in case. 

XX/XX/2019 called to activate new card and was told the account was closed by " me '' on XX/XX/XXXX when I was just told the previous day I had no issues. 

How can a company allow for someone to provide no information to verify them being the owner of the account and request the account be closed? There is no accountability with them as they said they can not do anything to reinstate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I received a notification that Way Point Resource Group has opened a collections account for {$180.00} for XXXX in my name. I was a XXXX customer until summer of XX/XX/XXXX at which time I cancelled my services and returned all equipment. I was told my account was settled and the matter closed. I then received a collections letter on or around XX/XX/XXXX from a XXXX XXXX XXXX alleging that I owed {$220.00} to XXXX for unreturned equipment. I advised them that everything was returned and that my account was paid and asked for validation of debt ( please see attached email ) They responded that they would process it and mail validation. I never heard anything and the account disappeared from my Credit report so naturally I assumed the matter closed. Now I receive notification that I have a new collections account for XXXX for {$40.00} less. This is absurd and I have tried calling Way Point but  have not been able to get through. I only get an automated system that says " Please hold for the next caller '' I do not owe this debt, all equipment was returned and everything paid. You are damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts are Unauthorized and unverified accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
ftc violation sent inaccurate accounts to the creditors 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 08 XXXX XXXX 08 XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
onemain I'm filing a complaint on your company for violations Of the FCRA AND THE FDCPA I was viewing my credit report and I noticed some violation reporting on my credit report I have disputed this account with all three credit bureaus and they states that you verified the account But as I review the report from your company I noticed that you didn't enter dispute marks that consumer disputes with out that Information the account can not report fcra 623 you could be fined {$1000.00} per account. So please delete this account from my credit file. violation number two the account is a charge off you are still showing late payments on a charged off account there should be no late payment reporting you could be sued for {$1000.00} for each violation on each credit report. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have disputed this with the credit reporting agencies and they are not conducting a proper investigation and don't take this as a threat But I have file suit on all three agencies is why I'm disputing with you right Now

Company response to consumer: Closed with explanation