vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: CA

Complaint narrative:
This has been an ongoing issue since XXXX of 2018. 

I have a disputed {$450.00} Charge that I submitted evidence to justify the dispute. This charge is from XXXX. They did not provide the services paid for. They were to insure shipments, and didn't. I had to cover the repairs to equipment shipped. I have sent them e-mail transcripts, itemized bills, and they never bothered to process them until they claim XXXX. 

I have disputed this with Chase. I can not get consistent information from their executive staff who claim they had already credited this in XXXX. It now shows back on my card for XXXX, XXXX. This had been permanently cleared per my discussions with their representatives in XXXX. 

They now claim that it is too late to dispute. This comedy of errors is their fault due to misinformation, poor process control, and flat out false and misleading information by their people. 

They have allowed other merchants to charge my account utilizing cards that were blocked and replaced by their fraud team. Any attempt to rectify any of this is simply tossed from one department to the next. They seem more concerned that I recording the calls now than solving the problem. 

I need this {$450.00} removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit card account with XXXX XXXX is being wrongly represented on my credit report with Experian My account is being managed with a Credit Counseling program and the Agreement made with XXXX was accepted for the full balance with an acceptance letter stating they would not charge off my account. They did charge off my account also they have received all of the final balance and are reporting as written off not expected to be paid they have been paid consistently all agreed payments on time for the entire time and prior to this agreement was paid consistently on time There agreement letter stated they would neither negatively or positively report on my credit with them and they have

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 2019-04-26 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: OR

Complaint narrative:
My husband and I had IdentityTheft/Fraud on XX/XX/XXXX. We contacted Experian on XX/XX/XXXX after we took care of changing our personal information, report to police and Social Security Office. We received a Pin #, was advised if we ever wanted to lift it we had to provide the Pin #. Well on XX/XX/XXXX we contacted Experian, was on a Sat, said they'd charge us money to lift it and if not call back on Monday XX/XX/XXXX. We did and whoever XXXX was removed the freeze permanetly. I assumed it was removed but as of XX/XX/XXXX it apparently is still frozen. We are trying to buy a home and the Broker said to contact Experian. What a joke! We got an authomated system, no one picks up the phone, after I entered the correct infromation it said it didn't recognize my information to put it in writing. I tried online with ALL PERTINENT INFORMATION and said it didn't recognize my Pin #. We both need it removed in order for the XXXX XXXX to run our Credit Report. XXXX did there job, XXXX did there job but Experian didn't go there job! Very stressful for us and others who may be having this experience. On XX/XX/XXXX Experian gave me a Pin # 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 2019-04-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express card with reward points based on purchase. After reaching the required total purchases amount for the year, the card pays back 5 % on gasoline purchases. In reviewing my reward statements, I noticed that while the card was paying the 5 % on most gasoline purchases, it was paying the minimum of 1 % on purchases from the XXXX XXXX gasoline purchases. I reviewed all the monthly statements, and there were ten occasions where I had received 1 % back instead of 5 % back. I contacted the service representative for American Express who looked it up and saw the XXXX XXXX was listed as a convenience store, not as a gasoline station. I pointed out to the service rep that each of the purchases would show something like 14.567 gals @ {$2.00} a gallon. The customer service rep stated it didn't matter what the terms of the credit card agreement was, if the retailer had the business listed as anything under than a gas station, American Express would not honor the the credit card agreement on the reward points. While the dollar amount of reward points is small, {$1400.00}, it is unfair of American Express to not honor the credit card agreement on points to be paid on gasoline purchases. If American Express is defrauding other customers this way, it should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
this account said that I was 30 days late XX/XX/2018 I do not believe this is correct want this remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IA

Complaint narrative:
I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I complained that this company was stealing money from me by not automatically withdrawing payments from my account, as they had for years. They respondded with more lies ( stating they had tried to call us- and we can prove they did not ), and your service stated the case was closed. I paid off the entire balance after calling to see what the ENTIRE BALANCE WOULD BE ON THE NEXT DAY, and sending the check nexy day USPS. The check arrived just as it should have, yet they charged me more money as a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice different there is a different name reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
We had a chapter XXXX bankruptcy in 2012. The account was discharged in bankruptcy and no longer on wage earner plan. It should not even be there. Even though account is closed, they are now reporting late payments on wage earner plan. It lowers my score!

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 2019-04-26 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: IN

Complaint narrative:
I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect names are reporting on my credit report. 

XXXX XXXX XXXX XXXX Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sent a check by mail with a copy of my statement on XX/XX/19. The check cleared on XX/XX/19. I contacted the company on XX/XX/19 and was told no payment received. Contacted the issuer of the check on XX/XX/19 and was advised that check had cleared on XX/XX/19 and they would email a copy of the cancelled check. I contacted the company on XX/XX/19 and was advised that still no payment received and that I would need to send proof of cancelled check. Was told that process would take 25-30 business days to resolve. Copy of cancelled check sent to fax number given.

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 2019-04-26 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: FL

Complaint narrative:
Received a letter from Citi congratulating me on my new Citi Rewards card. I never applied or even intended to do so. I have zero accounts with Citi, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from Cbna from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: Credit Karma, LLC
State: FL

Complaint narrative:
Received a letter from XXXX congratulating me on my new XXXX Rewards card. I never applied or even intended to do so. I have XXXX accounts with XXXX, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from XXXX from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Another name is reporting on my credit report. 

XXXX XXXX XXXX I notice that there is more than one address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
I have an adjustable rate home equity loan that originated with XXXX XXXX, was taken over by XXXX XXXX, then taken over by KeyBank. Roughly a 14 year old loan.

My loan terms include the option to convert to FIXED RATE at any time.

I went in to three local branches multiple times, and called the loan servicing department NUMEROUS times, over the course of at least 2-1/2 years, to inquire about using my fixed rate conversion option. Each time, I was referred out to a Loan officer for a refinance. I know where I went, who I spoke to, and short of recording phone calls and videotaping visits, I was declined each time and have no documentation. 
As recently as XXXX, I was AGAIN referred to a loan officer, and declined a refi.

ONLY when I complained to a branch manager about the loan officers HORRENDOUS customer service skills, did I find out that all this time, all that was required was a simple email request by a branch associate to complete the conversion to fixed rate. Bad training and unfortunately sitting with the wrong associates cost my husband and I thousands of dollars. HAD I NOT COMPLAINED ABOUT THE LOAN OFFICER, I WOULD STILL HAVE AN ADJUSTABLE RATE.

Ive reached out to The branch manager, XXXX, 5 times in XXXX - she refused to return ANY phone call. Not one. I am still a customer. 
The associates that I know I sat with, who admitted remembering me, and referring me to refi instead of converting in-house. Woman in XXXX had notes about me coming in. Then when I asked to use this info, changed her original response. 
The Mortgage Market Manager for east cost, XXXX XXXX XXXX, who said loan officers have no access or knowledge of fixed-rate conversions, and that they should be handled in the branch prior to being referred out. 
The regional Branch Manager XXXX XXXX who oversees all the branches I requested service, refused to return THREE VM phone calls. When I approached her in the branch, she said she would use the costly errors made on my account and horrendous customer service I received as a training tool. But do nothing to make things right.

Most disappointing was th Executive Response Team associate XXXX - refused to contact personnel in branches, told me recorded phone calls are only held for 60 days, notes on accounts only held for 60 days. Refused to allow me to plead my case with ANYONE other than HIM.

How many others are asking to take advantage of a right to origins, a fixed rate, one thats built into their loan, only to be referred out to a refinance department who has no ability or knowledge to do a simple in-house conversion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has refused to provide me with monthly billing statements for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I have requested these documents over 5 times and have been denied. I request that Chase does not send me copies of the contract or deed or mortgage papers. I have a dispute with the way the account billing and accounting was handled. I also request copies of the loan modification application and payment statements. I request copies of all check Chase payment refunded/issued to me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX concerning this account. The account and servicing records are not and accurate Chase keeps avoiding my request according the the Federal Respa Laws and Dodd Frank Regulation X governance. I want copies of all documents sent within 7-10 business days of this notice- Please do not contact me by phone and send requested documents by their should be no delays or questions needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with Equifax and XXXX XXXX and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted Navient regarding my 3 private student loans held with their company. My loan has been on interest rate reduction program for the past year and a half. the current reductions rate is 6 % and I pay a payment of {$160.00} every XXXX of the month via payments that are set up by their interest rate reduction program. The payments are split between interest and principal with interest being first. Due to the fixed interest rate each month the amount paid towards interest should decrease and the principal amount should increase. Unfortunately that has not been the case the amounts I pay towards interest and principal vary by large amounts each month. The servicing team could not provide explanation for that. Simply stating they don't have access. Also I have a line on both XX/XX/XXXX and XX/XX/XXXX for a loan sale which added additional interest to my loans and they could not provide answer to that. Another item on XX/XX/XXXX was added on for capitalized interest which should not of occurred. They stated that happens from time to time when full interest isn't paid but each month the full amount of interest accrued should be paid before principal. I was not in forbearance or deferment where I would not of paid interest in full for XXXX. Each time when I try to get clarification from their agents no one has an answer and keeps trying to pass the responsibility to someone else. It is super frustrating dealing with such an incompetent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later

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