vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 From : XXXX XXXX XXXX ; Member, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX TO : Consumer Financial Protection Bureau XXXX XXXX XXXX  XXXX, XXXX, IA XXXX CC : Congressman XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX : JP Morgan Chase N.A. ( Chase ) bad faith behavior and conduct in refusing to disclose the Chases Executive Vice-Presidents name, address, and contact information, for XXXX XXXX where an application for a Note Modification Agreement for Loan # XXXX, property address : XXXX XXXX XXXX XXXX CA XXXX, would be made. 

Dear Sir/Madam, JP Morgan Chase N.A. ( Chase ), as a regulated bank, exists to serve the public interest and has an affirmative duty and good faith obligation to act and conduct itself in the interest of the public and customers it serves.

We are a small business owning and managing residential property. The ongoing COVID-19 pandemic has caused a great financial hardship and in such circumstances, Chase bank has an affirmative duty and an obligation to enter into a Note Modification Agreement in view of the drastically changed economic circumstances.

JP Morgan Chase N.A. ( Chase ) has acted in bad faith and harmed its customers by refusing to disclose and divulge contact information about its executives who are to be responsible for executing a Note Modification agreement for Loan # XXXX, property address : XXXX XXXX XXXX, XXXX CA XXXX. 

Relief Sought : Provide contact information for the Chase bank executive responsible for entering into the above referenced Note Modification Agreement for this loan.

Sincerely, /XXXX XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX  got a credit card its been XXXXyrs and still on my credit report and another account same bank was sent to XXXX XXXX XXXX and they tried getting them to lower what i owed so have to pay full amount for XXXXmore yrs they wont lower what i owe we have a hard ship and still wont lower the cards and loan

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 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
When you are making purchases PayPal Credit pops up online and tells you no interest if you pay by a certain short term time, like 6 months. 
This is not true, as you need to pay the entire balance off to receive no interest or payments. total interest XXXX was XXXX if this is true, then its not offered or explained so you can meet these terms. 

Also, PayPal Credit allows you to go over your Available Credit -- it seems, and then it reports you to the Credit Bureaus-when it lowers your credit line -- saying you are over your credit line. 

Bait and Switch -- Have me Overlimit ( approved the credit then they reduce available balance ) Or they are reducing your credit line after they provide it. 
This is synchrony Bank and not PayPal. 
You can not reach them during the business day. They put you through their auto voice to preanswer questions. 
They do as well with their Care Credit card. 
I plan to pay these off and then cut them up -- Others I know have also reported them for doing this as well. Provide Credit then lower the credit line when they choose to, then saying you are over your limit and charge you fees. There should be a law against this, sure it is Bait & Switch.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following Alleged Charged off Account XXXX is being reported inaccurately and needs to be deleted. 
The credit reporting agency failed to furnish the date of the last activity, and various other data fields are left incomplete. The amount charged off is lower than the balance and past due balance which leads me to believe this data furnisher applied additional charges to the account after it was " charged off '' delete immediately!!!. 

The date of the first major delinquency ( XX/XX/XXXX ) is contradicted by the date of last payment ( XX/XX/XXXX ) and the Payment Status Codes for the date of XX/XX/XXXX ( A month after the alleged date of first delinquency ) is 1 Which means the account was either paid on time or not more than one payment past due. The Date close is Allegedly XX/XX/XXXX but the Payment history calendar Scheduled Payments section shows Schedule payments for up to 3 Months after this account was allegedly closed Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
My regular loan payment was {$410.00} monthly since XX/XX/XXXX when I took out the loan. 
My monthly payment was reduced this year to {$370.00} after I told Upstart I was going through hardship, and an additional 10 months was added to the life of my loan. 

The confusion started after I made an extra payment of {$200.00} on XX/XX/XXXX, which was allotted to the XXXX payment, making XX/XX/XXXX balance {$170.00}. 

I paid {$170.00} on XX/XX/XXXX and made an additional payment of {$50.00} later that day, which added up to {$290.00}. The interest on XX/XX/XXXX was {$97.00}. 

The screenshot I took on XX/XX/XXXX before the payment was made said my balance was {$10000.00}. I expect after the interest of {$97.00} is deducted from the {$290.00} payment, the difference of {$130.00} should make my principal balance {$10000.00}. 

When my account was updated, my balance was {$10000.00} instead of {$10000.00}. Only {$50.00} was deducted from my payment and not {$130.00}. 

The next day {$12.00} interest was added to the balance of {$10000.00}, making it {$10000.00}. 

Getting an explanation has been time-consuming. I have been emailing and calling about the calculations but to be put on hold, get disconnected, or being told the calculation is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I XXXX XXXX the consumer and natural person has disputed these accounts you are reporting on my consumer report. You can't validate a debt because I am the original credit and only I can validate an alleged debt. According to 15 usc 1602 ( g ) I am the original creditor. You do not have the authority to validate a debt according to Congress. You have violated my consumer rights. I also have a right to privacy which you have violated every aspect of my right granted to me. I am a Natural Person of Heaven and my rights are given to me by God himself. I am demanding a thorough investigation and I want all the accounts listed deleted from my consumer report. I also plan to report you to the XXXX  and Attorney General. I also plan on contacting the media and letting them know how my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in searching for credit score for refinacing I was decieved into signing for credit montering that I did not want and thus have been billed {$26.00} a month since 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 monetary relief
Consumer complaint received 2021-08-30 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: CA

Complaint narrative:
This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : TRANSUNION : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX XXXX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX  Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2021-08-30 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: CA

Complaint narrative:
This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : XXXX : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX EQUIFAX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This relates to a previous complaint I had with my XXXX XXXX XXXX VISA with Barclay 's Bank. On XX/XX/XXXX I was advised that Barclays had found in my favor on that complaint with CFPB. Accordingly, they credited my account for {$31.00}, supposedly on XX/XX/XXXX. I calculated that this reduced my outstanding balance on my card to XXXX. The previous CFPB Complaint # is : XXXX-XXXX  In the past 10 days, I have tried AT LEAST 10 TIMES to call Barclays Customer Service to determine if my assumption about XXXX balance is true! Their customer service is HORRIBLE!! I either get disconnected, or have spent up to an hour on hold with NO RESPONSE! I can not check my balance on-line, as the website tells me I must contact customer service. When I call customer service, the automated system will not give me my balance or payment information. It just keeps telling me I need to speak to a Relationship Manager, and then either disconnects me or keeps me on hold FOREVER, listening to crappy music, and never having anyone answer my call! Even when I call the phone number of the Office of The President at Barclays, I get told no one is available and get disconnected! 

This company is ABSOLUTELY TERRIBLE, and their Customer Service should be called Customer DIS-SERVICE! I need to make sure my account has in fact been " XXXX  out '' as assumed by my calculation of the credit they gave 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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have filed a dispute on several occasions for this creditor XXXX  XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.

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 2021-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascent Holding Co
State: NJ

Complaint narrative:
So as you guys know I have already sent a complaint to Ascent Funding LLC already about my invoice. Today the invoice is due and the director of compliance stated at this time they are unable to pay invoices submitted by consumerd. This is an issue because there is no law that says they are allowed to ignore a remedy or payments required from them because they violated a consumer. There is no law that states the debt collectors inability to pay an invoice is acceptable and should be accepted as a response by the consumer. Their networth is over a million so theres no reason they can not pay an invoice that wouldnt have been created if they followed the law in the first place. I can issue another invoice for this matter including the violations from the first invoice along with the violations concerning the payment of this second invoice but, I wont need to if they follow this first invoice. Also, I asked before in the previous complaint against them that if there were any issues with the invoice, they need to contact me before the due date. They did not follow that complaint or aspect of my remedy so I have the opportunity to send another invoice concerning that violation as well. And just to clarify that I need that payment by XXXX XX/XX/2021, there is no law that states the debt collectors inability to pay a violation invoice is an exemption from actually paying the invoice.

Company response to consumer: Closed with explanation