vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase doesn't seem to care about customers and does not read the messages that are sent to them in the secure message center. Since XX/XX/2020 I've received 12 messages from Chase that say the SAME EXACT thing. I've put special statements, questions and inquiries in my messages to them but still received the same message back that does not give any clarification on the matter. It does to seem that a real person is even reading and responding to the messages in the secure message center at Chase because it's the same message. How do I get an actual message back from the company, in writing, on important issues that could affect my privacy, security and credit report? Why is the company ignoring customers and treating them like nothing? Or is it just me? Am I being discriminated against because I speak up and have no problem filing complaints against the company. I've done it in the past and maybe this is their way of retaliating back against me. Either way, whatever this company is doing is unethical and it makes it seem like they have something to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have an inquiry from syncb/PayPal on XX/XX/XXXX as a hard inquiry, which affects my score. I only applied for a credit card for XXXX  XXXX, which does show, but that was in XXXX. The syncb/PayPal was done XXXX well after I had applied for XXXX  XXXX. XXXX  XXXX is the only credit card inquiry I should have, I never applied for anything else. Worries me that some one might have tried to use my identity. This one is shown on my XXXX  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 non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have a collection on my credit report that has bin paid off I paid the balance in full XX/XX/2020 It was taken of my XXXX  but still on my XXXX  and XXXX  I need this taken off ASAP as it is already paid in full the name of the collector is SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX originally 11 XXXX  XXXX  FORMERLY XXXX  Total Debt amount {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: GA

Complaint narrative:
The credit report is showing that Im in an active bankruptcy which it was discharged last year in XXXX. I tried numerous of times to dispute with no answer back from Equifax. They are intentionally not completing my disputes which is harming me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2020-08-24 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: MA

Complaint narrative:
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have no knowledge were these inquiries came from. I took the time to contact each company separately and neither one could give me information where this inquiries came from. The only course of action they gave was to contact TransUnion.

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 2020-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2020-08-24 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: TN

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet changed my monthly payment from {$38.00} to {$460.00} even though I was under Covid forebearance. I stopped Auto debit because of this. The company refused to do a call back to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes back in XX/XX/2019. They closed my account. I lost my card. They sent out replacement. But in credit report. Says account closed or purchased by other lender. They must contact all 3credit bureaus. Have closed account deleted. I'm on XXXX  going thru hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2020-08-24 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:
Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American EXPRESS Cash Magnet credit Card. When I opened the account I had a promotional APR of 0 %. The minimum due for each statement was payed regularly and was approximately XXXX XXXX 
On XXXX XXXX I received a paperless bill where my Minimum due amount increased to XXXX XXXX 
Upon contacting the customer care representative I did not receive any answer on why the amount had increased and why the minimum due can not be reversed to XXXX $ a month. 
The company has not explained in any of its statements on why customers are responsible to pay more in minimum due and what they can do to avoid that fees from being payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: NY

Complaint narrative:
I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to XXXX   many times and i get no response. This is very disturbing for I am XXXX XXXX XXXX and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need XXXX to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to Equifax where I was able to get a free copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
The day I purchased a {$200.00} Vanilla Visa Gift Card from XXXX an unauthorized XXXX user stole {$180.00} from the gift card. I followed the Vanilla Gift Card process and filed a dispute. I did not hear back from Vanilla Gift card for over 3 weeks after I filed the dispute. So, I phoned Vanilla Gift Card to receive an update on the dispute. I spoke to a live person who put me on hold and did not provide an update on the dispute. After researching online, there are numerous complaints regarding theft on these Vanilla Visa prepaid gift cards and Vanilla Visa Gift Card not doing anything to resolve it with their customers.  This is complete fraud and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My uncle died last year. He had a balance on his home equity loan which I have been paying the monthly charges on while the courts were working on approving his estate. In XXXX I received Orders of Summary which I sent to the Bank of America Estate Department via email ( Ironically the BOA rep gave me the case worker 's PERSONAL email address. ) When I did not hear back I called and spoke to the rep. I completed the paperwork provided and gave instructions that I wanted to pay-off and close the HELOC. I did not hear back and subsequently the house was sold. On XX/XX/XXXX I contacted BOA to get wire transfer instructions and a pay-off amount. ( Almost all their branches were closed in FL due to the pandemic. ) Rather than given wire instructions I was provided the address of XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX TX XXXX Mail Code TX XXXX. I sent a cashier 's check for the pay-off ( {$23000.00} ) along with a copy of the Orders of Summary and asking for a mortgage satisfaction and a closure of the account. I was also told to fax my request. I did that on XX/XX/XXXX and received notification that the fax was successfully transmitted. Since the loan had not been paid off I also sent another {$130.00} personal check to make sure the loan would be paid off and the mortgage satisfaction received. 

I have waited on hold at least 10 times ( once for 1 hour and 54 minutes, anther time for 2 hours and 10 minutes ). I have been given multiple case numbers and yet the cashier 's check has never been cashed and the loan is now past due. I even posted on XXXX that I needed assistance. BOA indicates they are prioritizing this issue but no one calls me back or emails me. I did receive a form letter in the mail staying they received written communication and will provide a written response of their findings. 

BOA keeps telling me that their conversion did not " go well '' but I'm sorry this is ridiculous. My uncle 's home is being sold at the end of the month so I am having to have the HELOC paid from the proceeds.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Yes back in XX/XX/2018. They closed my account due too inactivity. I did nit know you had too use card right away. I'm hoping they can at least get it deleted from all 3credit bureaus. Or if not give me the credit back. I'm on XXXX going thru hardship due too corona viruses.

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 2020-08-24 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2020 I went an evaluation at Smart Shape body clinic located in XXXX, Florida. 
I was evaluated by XXXX and at the end of the conversation she asked me if I want to see if I qualify to finance the procedure. I agree she went and filled the qualification forms for me. She never said my account will be charged right away and not after the procedure and I did not expect that either. 
I made an appointment but unfortunately, I could not go forward and have the procedure done due to family matters. 
I contacted the company Comenty Bank and I explained I have no procedure done and been told me I have to contact the office and talk with them first. 
So, I did. I talked with XXXX and she said she will solve the issue but will take up to week before she can investigate, and she will contact me and let me know.She did not returned to me.I concatenated again Comenty Bank after to contest the charge .They said i am charged because I didn't show up for appointment and they had me scheduled. 
In order to have a procedure done you need to have XXXX XXXX   done and for a XXXX XXXX  patient need to have a XXXX   .Few day before I got the phone call I called the office as I had a question about the testing. 
The office manager did the application for me to see if I get the amount needed to have the procedure. I didnt expect to be charged when no work was done. If I have to use any credit card, I pay for a service reentered. NO credit card will charge and deliver the goods 3 months after. 
I was out of the country and have no international plan in my phone. This day who needs it when we can talk international using other methods that are free, such as XXXX, messenger etc. This been said I have been able to get any phone calls from the US I  had been to XXXX  clinics before and been charged for an appointment a deposit of {$50.00} not {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Good Morning, I made a payment on XX/XX/XXXX for the amount of {$1400.00} and then the next day the mortgage company ended up pulling out another amount the next day through their auto pay feature. I called them and let them know and they apologized and said they would get it fixed. I saw that the money was returned to my bank the next day. Following week or two I get a call saying I am late on my payment and explained to them I made the payment and they apologized and saw that the payment was made on XXXX and said they would fix that. I waited a little bit more and was wondering when my request was going to go through and they said that it takes time and they will reach out to me. I wait a 1 week into XXXX and saw that my credit report was hit with a late payment from PHH Mortgage. I asked them about it and they stated I had not made my payment. I explained that I have been working with them on getting this resolved, it took them over a month to let me know that the bank pulled back the check itself and that they actually returned the payment that actually was made. I have been asking them to remove the late payment off the account and they are refusing to do so. 

I also spoke to another associate who said that they will continue to deny my request no matter who is at fault to remove the inquiry. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax requires formal quality standards that include transfer counts and validity of transfers of consumers. 
Today I was carelessly transferred back into the queue by 2 agents. 
One of those transfers was at the request for a supervisor ( because of my 1st erroneous transfer ). 
Ist call @ XXXX XXXX - was provided the incorrect internal phone number to the XXXX department 2nd call @ XXXX XXXX - [ Channel ] I was transferred back to the queue 3rd call @ XXXX XXXX - [ Lord or Lawd ] - requested a supervisor and was transferred back to the queue 4th call @ XXXX XXXX - connected with a Supervisor and created an internal consumer complaint. 

Unacceptable that 2 agents transferred me without providing any support or assistance. 

CFPB please monitor reports and " trasfer '' metrics to ensure agency does not have a culture of transferring. 
Both agents who trasnferred me did it without telling me I was being transferred and one even asked me to hold a moment prior to transferring me. 

Equifax please conduct necessary training to ensure consumers are supported and establish a no tolerance for a transfer culture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MA

Complaint narrative:
XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 customer service would not help and take care of the negative inquiries reporting to my credit report.I have no knowledge were these inquiries came from. I took the time to contact each company separetely and neither one could give me information where this inquiry came from. The only course of action they gave was to contact the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It has been over 60 days ago since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to get a house and can not move forward without supplying these results.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Yes this credit for XXXX office closed my account way too fast. Hurt my credit score also. Was opened XX/XX/XXXX. They closed it XX/XX/XXXX. Said on the remarks. Canceled by credit grantor???? I never closed it. They did. I would like them too contact all 3credit bureaus. Have it deleted. If not at least out if courtesy

Company response to consumer: Closed with explanation