vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 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: AL

Complaint narrative:
I sent Equifax my identity theft report and police report of the erroneous accounts. I never received a updated credit report. Nor was the items investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, I went to PNC Bank to deposit my payroll check. The check was placed on hold. When calling customer service, I was told that someone placed a note on my account that all of my transaction be investigated. I have never done anything fraudulent on this account. I believe that they are racially stereotyping me cause I am a young XXXX XXXX   female. I had this very same problem two weeks prior when I deposited a {$4000.00} check from a legal settlement which was drawn on that bank. I was told there would be a 5 day hold. I could use my debit card but will not be able to withdraw and funds. According to her, this was standard procedures. I even called customer service who called my attorney to verify that I was his client. PNC Banks is really becoming a nuisance holding my funds hostage. I have XXXX kids to take off and I should not have to fight for what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: MD

Complaint narrative:
I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I been advice that someone under my same name has an address that I never use and emails : All this information is not mine : XXXX XXXX  XXXX XXXX XXXX, Texas 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 2019-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX. 

I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment. 

I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder. 

On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed. 

On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: MD

Complaint narrative:
I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.

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 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I applied and was approved for a Capital One credit card, up front fee I believe was {$95.00}. then I would get a {$200.00} credit limit. For nearly 18 months I have paid on time. 
There is a term which Capital One states if you make 5 monthly on time payments your will get a credit increase. I tried several times in XXXX to request a credit increase but was denied. I called Capital one and advised them of my attempts they stated I will not get a credit increase on this card. 
XX/XX/XXXX I made a formal complaint with Capital One and was correspondence with XXXX/XXXX   from their executive offices. I showed him examples of their own promotion and statements that if made 5 monthly payments on time will get credit increase on the exact same card I have. He advised me to send via a secure link through my email, I did. I called to confirm receipt, he states he never received the information through the secure link, I advised him I sent it over 2-3 times. He still insisted he never received the proof. Earlier in our conversation he states that offer is only given to " random '' people, the system picks those people, I will just have to " wait and see if the system picks me. '' After sending the proof of Capital One statement - make 5 monthly payments and get increase, I call him and he states he never received information. I asked to resend or email he stated, No he did no want me to resend. 

I sent in their offer showing their claims, they denied it even though it was in black and white. 
I offered to resend, they refused to accept my correspondences showing proof they made this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I purchased a prepaid visa from Check Into Cash ( aka XXXX XXXX XXXX ) they sold me a card for {$6.00} and it was due to expire in 45 days. I was told they were going to send me a card with my name on it, twice. After not receiving the cards and my transactions being declined at a charge for declining it was determined the lady that sold me the card put in the wrong zip code. I asked they resend a card since I never rec 'd the personalized card in the mail. I never rec 'd any cards in the mail. I went to the store, Check Into Cash in XXXX CA and asked that they give me a new unexpired card, transfer my funds since the card was expired and I could no longer have access to my money. I also loaded {$500.00} cash onto what was supposed to be the new card. The lady took my card and loaded it on an expired card and tried to send me on my way. When I asked why she would do that she said I would have to purchase a new card and call and have the money transfered. I told her I wanted my cash back and I WAS NOT going to pay for a new card when I was promised a personalized card in the mail. I have no access now to view any transactions, and my funds are disappearing. I can not log in and everytime I call the XXXX # and push option 2 for english I get hung up on. I am out over {$580.00} and I can not get answers to where my money went. Also, while I was in trying to get this all sorted out, every person that walked in had the same complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spend well over {$50000.00} on my card each year and dispute few charges on my card. I always pay my card balance in full.On XX/XX/2018, I called JP Morgan to dispute as fraud two charges on my credit card in the amounts of {$250.00} and {$98.00}. The call was recorded and notes were made on my account. The representative told me that I could deduct those amounts from my card while the fraud was investigated. 

When I received my new bill on XX/XX/XXXX, the charges were NOT put into dispute and I was charged interest of {$8.00}. 

When I called JP Morgan to advise them of this error, they confirmed my earlier call and confirmed the charges should have been put into dispute but were not. When I tried to put them into dispute once more, they refused to do so because that department was " closed ''. I want to complain that JP Morgan is ignoring XXXX XXXX and is refusing to accept my fraud complaint. The representative, although admitting a mistake by JP Morgan, was unable to refund the interest charges. When I suggested I would contact the CFPB to resolve this the agent appeared not to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: MO

Complaint narrative:
I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from Equifax and XXXX  just stating the bankruptcy was validated but did not send any proof of the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank Credit Card 's Fraud Department has made a series of gross errors & incorrect actions due to their internal confusions & their lack of continuities with their disjointed processing over various departments, each different depratment, not know what the other department is doing, resulting in incorrect information being transferred & erroneous decisions being made against the interests of its customers, who bear the impact of its wrong decisions & actions. 

Attached herein are the erroneous decisions & actions carried out erroneously by less than professional staff of Chase Bank Credit Card, first assuming there has been fraud & unilaterally shutting my Credit Card Account by jumping to the wrong conclusion & assuming fraud has been committed, without checking or verifying with us, the customer ( victim ) BUT in actual fact, there is NO FRAUD WHATSOEVER!!! 

In the attached Chase letters, Chase jumped to the conclusion that I claim forgery, when IN ACTUAL FACT, I never claimed any forgery!!! 
Chase unilaterally, without checking nor verifying with me, wrongly informed & instructed various Credit Score Companies of NON-EXISTENT FRAUDS & /OR FORGERY!!!!

Subsequently, after I have officially written in to inform Chase Credit Card Fraud Dept. there ther has absolutely been NO FRAUD, NO FORGERY COMMITTED, then Chase Bank then sent its retraction letter & started its DAMAGE CONTROL processes. However, Chase 's erroneous mistakes have already caused its damages to its client, namely me!!!

Consequently, Chase Bank Credit Card has its official duties to its customers to put right, rectify, restore & reinstate its customer 's correct positions before what Chase has wrongfully done, by normalizing my credit cards back to its original position.

Chase Bank Credit Card has requested for my various documents which I had complied to the letter & sent them to Chase at their branches, that led to their official credit card approval & issuing the physical card to me. The Chase Bank has acknowledged receipt of my various relevant documents & on that basis, official approved the cards!!!

Hence, Chase should respect & honor its own decisions & caused so much distress to its client, namely me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called XXXX Chase rewards today about my minimum payment going up a dollar. I asked them if my interest rate went up and they stated no. The supervisor I spoke to said that they arent able to change minimum payments. I have paid consistently for this credit card on time. I have no late fee charges. I havent used my credit card as of recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received my credit report from Experian, XXXX, and XXXX. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX. - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX XX/XX/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 2019-02-10 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: MO

Complaint narrative:
I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from XXXX  and Transunion just stating the bankruptcy was validated but did not send any proof of the validation.

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 2019-02-10 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application.

Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account. 

This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval. 

AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!

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 2019-02-10 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX.. I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please know that I was not late on XXXX  XXXX XXXX I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2019-02-10 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: FL

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 2019-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received my credit report from XXXX, XXXX, and Equifax. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX   XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11.  XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation