vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 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: MD

Complaint narrative:
Chase recently mailed notices regarding changes to its card member agreements. It stated that account holders will be subject to binding arbitration unless a written opt-out letter is sent to an address in Delaware. It also included language with regards to the Military Lending Act. 

According to the MLA, a creditor is not permitted to force active duty military consumers to arbitration. However, I have been told I am not covered by the MLA because I opened my credit card accounts before the XX/XX/2017 date when Chase began compliance with the MLA. Therefore, I am subject to the changes regarding arbitration. I have read over the MLA, and it states that a consumer is covered borrower if the consumer is active duty when 1 ) the consumer becomes obligated on a consumer credit transaction or 2 ) establishes an account for consumer credit. According to Chase, I don't qualify for the 2nd condition because I opened my account prior to the compliance deadline. I don't quite understand the 1st condition, but if I use my credit card after the compliance date, am I no longer obligated on the transactions on my credit cards because Chase says my accounts don't qualify for MLA? Or put differently, I am XXXX XXXX military so don't I become a covered borrower when I use the credit card because I am now obligated on the transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
In XX/XX/2018 I was contacted by a lawyer claiming to represent a creditor I owed from a loan. I made payment arrangements through said lawyer to avoid going to court. The amount due to the creditor was agreed upon as {$2400.00}. I made {$360.00} in payments between XXXX and XXXX of 2018. In XX/XX/2018 I noticed on my credit report that the balance was being reported as {$2300.00}, which is entirely incorrect as I had made payments which indicated my balance was {$2100.00}. I disputed the account through the XXXX Dispute process and the account was removed due to an incorrect balance being reported. Today XXXX XXXX, I received in my regular mail a notice of hearing for this account in which the lawyer is attempting to reinstate judgement due to failed payments. On the lawyers Motion he states that as of XXXX XXXX I have not made payments as agreed which is entirely false. They also state the judgement amount should be for {$2200.00} plus court costs which is also incorrect due to the payments I had previously made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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.

Complaint narrative:
Respected Sir or Madam : I am following up with regards to my earlier complaint ID XXXX which was logged with CFPB. 

The lender insists that for international student the only way to repay is through XXXX. As I alleged in my previous complaint there seems to be a nexus between the two firms where they are forcing students to ONLY use XXXX service which charges not only an exorbitant fees but also is very poor in managing the payment. Unfortunately in absence of any other solution offered through my previous complaint, I had no choice but pay through XXXX. 

However, a payment that XXXX insists was posted on XX/XX/XXXX, ( Please see the attached receipt ) is still not reflecting on the firstmark system. They are insisting on reporting a late payment to the credit bureau when I have made the payment well within the deadline of XX/XX/XXXX ( Please see the threatening language in the attached email from firstmark ). 

This is creating a lot of stress for me and my co-borrower and borders on criminal. We would be highly obliged if you please escalate this matter as it seems Firstmark seems to be taking your powers very lightly. 

Thanks and regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
On XX/XX/19 received a notice from Credit Collection Services stating {$840.00} was owed by XXXX XXXX for Creditor : XXXX XXXX. Called CCS XXXX and informed them that we have never subscribed to XXXX XXXX and its not even an option in the area that we live in. The address on their records was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Washington. We have lived in Utah for over 60 years. The number given to me to call at XXXX was disappointing, they could not bring up the account and wanted additional information that I refused to give because they could not provide any specifics that they were a legitimate business XXXX. 
CCS has called every day for weeks. How do I get them to stop harassing us for a debt that is not ours?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank. 

Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!

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 2019-06-22 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:
The following account had fraudulent charges made on it and they have re-aged the account as well. The date open is wrong and the date of major delinquency is re-aged and wrong. The credit limit is not listed and it is also listed as a factoring company which it is not. 

XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO-XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$660.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$660.00} Date Reported : XX/XX/XXXX Amount Past Due : {$660.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 14 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR CA XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: PNC Bank N.A.
State: OH

Complaint narrative:
I was several months late on my loan payment to PNC, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

PNC also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nationwide Recovery Group LLC
State: OR

Complaint narrative:
I had a message left on my Oregon cell phone fromXXXX on XX/XX/XXXX at XXXX XXXX   that XXXX XXXX " personal locator '' was calling about some legal document. 

I called back and they said I had a payday loan from XXXX I had not paid. I gave her my debit card number and she charged {$250.00} at XXXX XXXX. 

When my wife got home she told me it was a scam or illegal collections practices because The statute of limitations in Washington is 6 years. I was never informed there was any balance after I paid it. I was never served by anyone. I have never been contacted by anyone about it before today and it does not appear on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc
State: MD

Complaint narrative:
Responded to an ad for car refinancing and the company Rate Genius made several hard inquiries effecting my credit score without my knowledge or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: OH

Complaint narrative:
I was several months late on my loan payment to XXXX, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

XXXX also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Hello at the sams club I inquired about renewing a membership. The customer service representative said that I qualified for a free 2 year membership and that because I was already Pre approved I would not get a hard credit inquiry on my credit report. She asked me to enter in my social security number into the system. I did and I got my membership. I later found out that that was a lie because My credit report shows the hard inquiry. I talked to the head manager at the location and he reported the incident to the credit card company and said that he talked to the representative who lied to me. I received a letter back from the sams credit card department and they told me that it was a legal inquiry. I am upset about this because I had no need for another credit card and the inquiry lowered my credit score. I believe these representatives get some type of commission for signing up people to the credit cards so they would lie directly to customers faces just to get the commission. Please help.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macy 's store credit card where I have a history of making on-time payments with the exception of 1 month. This occurred in the beginning of XX/XX/2018 as I was transitioning from a long period of unemployment and had just gotten a new job. I reached out to Macy 's in order for them to work with me through this transition and temporarily help me with a lower monthly payment for a few months as I earned an income again. They were not willing to help me during this time of hardship and I could not afford the minimum payment of {$62.00} that was due on XX/XX/2018. At the time that was a substantial amount. I reached out to them with no luck and had to miss the payment.

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 2019-06-22 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 — Problem with personal statement of dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/2018 I had a XXXX XXXX  XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. 

The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. 

I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. 

I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. 

The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. 

It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. 

The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/2019, I disputed a derogatory mark that is being listed on my credit reports by Credit Collection Services. The results of the dispute came back as 'verified and accurate '. Thus, because I do not owe this debt, my next step was to dispute the debt directly with the furnisher of the information. 

On XX/XX/2019, I wrote a letter to Credit Collection Services asking them to send me the documents that were used to validate this debt with the credit bureaus. I specifically asked for proof of contractual agreement and COMPLETE accounting of the alleged debt using generally accepted accounting principles. CCS received my letter on XX/XX/XXXX and in their response on XX/XX/XXXX, CCS didn't provide me with any of the requested documents nor did the company provide me any documentation to legally validate this debt. 
Instead, I was sent a 'final bill '.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have an auto loan with Credit Acceptance. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor Credit Acceptance own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

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 2019-06-22 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: TX

Complaint narrative:
The following companies I disputed as having fraudulent charges on them and transunion did not notifying me of the results. 

XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XX/XX/2013 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 2019-06-22 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: NJ

Complaint narrative:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

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 2019-06-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

Company response to consumer: Closed with explanation