vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: CT

Complaint narrative:
I no longer wanted to deal with a merchant with whom I had a terrible experience. Unfortunately, while doing business with her, I gave her a preauthorization to charge my card on XXXX, XXXX and XX/XX/XXXX. I decided to end the business relationship and paid all money owed to the vendor on XX/XX/XXXX. This unscrupulous vendor was angry that I was discontinuing her services and insisted that she was going to charge my card on XX/XX/XXXX. Knowing this, I called Chase and asked for any charges to this merchant to be declined. Instead, they disputed a valid transaction with the merchant, which caused me more problems - including her consulting a lawyer, additional atop payment charges and further harassment. I called Chase again and they assured me that the charge on XX/XX/XXXX would not go through and I was so nervous about it, that I changed my card. The charge did not go through on XX/XX/XXXX, but did go through again on XX/XX/XXXX and the merchant charged me {$290.00} and undoubtedly will try again in XXXX and again in XXXX to make up for not getting money in XXXX. 

After submitting the dispute online on XX/XX/XXXX, I got a message that I had to call the bank about the dispute. When I spoke to a customer service rep, and explained how frustrated I was, he explained that no one stopped additional future charges from this vendor. Unfortunately, the reception was very bad and I didnt understand all that he said and the call got cut off. I dont understand what is unclear about stopping future transactions from a merchant - especially after explaining what a horrible experience I had with the vendor. I had to call four times to make sure charges from this merchant would not be paid. 

Now the bank has to dispute the charge with the same vendor who will stop at nothing to get money not owed to her. 

I am a bank XXXX XXXXr and this customer experience leaves a lot to be desired. No one should have to go through this kind of experience with a vendor and having to chase the bank further adds salt to the wound.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a Capital One Credit Card holder with the same card since XXXX. Since then I have started to use credit cards less because of my financial situation. I actually don't use this credit card at all for the last two years. I have called them directly multiple times in the last three years to downgrade my current card that has a {$59.00} annual fee to another card with no fee. They have multiple cards that they can downgrade me too with no fees. This downgrade would allow my to keep my 14 year credit history with this card. 

For the last three years, I have called them prior to my annual fee anniversary to either downgrade my card. They have always said there is " No Downgrade Promotion '' right now but check again later. I feel this is a scam where they are holding my credit history XXXX for $ XXXX. The only way out is to cancel the card and let my credit get a hit. 

Here is the scam : They said that sometimes they're supposedly " upgrade/downgrade '' promotions by the marking department that is released, but they don't tell consumers. You have to call them to find out about them. Also these are time sensitive promotions. So unless I call EVERY DAY, I probably missed it. I have never heard of a promotion to upgrade/downgrade in the three years I have randomly called them. 

On XX/XX/XXXX, I called knowing XX/XX/XXXX was my card anniversary and the day before the annual fee was posted. They said I have to call after XX/XX/XXXX, because they can't help me till the annual fee has been posted. On XX/XX/XXXX I saw that my annual fee was posted online. I called and they said I should had called before the posting, because the agent would had checked if there was any pre-anniversary offers. What? But I did! 

They advised me to use the credit card to offset the {$59.00} annual fee by earning points. At XXXX cent per point, I have to spend {$59000.00} to cover my {$59.00} annual fee!!! This is highway robbery! PLEASE LOOK INTO THIS!!!! This is so wrong, they are taking advantage of consumers via a technical loophole. 

I have companied to the XXXX and gotten my {$59.00} annual fee back for this year. But, I want a down grade. I don't want this to happen to other Americans. They are holding our credit history as ransom for the cost of the annual fee! There is no way you can downgrade your card because the process of downgrading is purposely made difficult if not impossible by Capital One. The longer you are with the company, the more likely you are to pay the fee to keep your credit history. It's an ingenious trap and so so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Tuesday XX/XX/2021, I was notified by email by Capital One that activity on four of my bank accounts XXXX one checking and three savings accounts ) was being restricted due to suspected unusual activity. I was provided a reference number of XXXX. The email stated, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. Shortly thereafter, I received another email stating, We may contact you to confirm this activity. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. I have since contacted the telephone number provided ( XXXX ) several times to learn that this action was prompted by a direct deposit of {$12000.00}, the proceeds of a SBA Payroll Protection Program ( PPP ) loan, being deposited into my account. As far as I can ascertain Capital One objects to this deposit coming into my personal checking account. I am a sole proprietor and was unaware that I could not use my account for the limited business activity that I have. I have offered to open a business checking account at Capital One to resolve this matter. I have been told that this matter is being investigated by a fraud investigator under XXXX # XXXX. No one has contacted me about resolution of this matter and I have not been able to contact the investigator. 

It has been 6 days since I have been informed that my accounts have been restricted. Not only do I need the PPP loan proceeds but I need to access the funds in my accounts. Capital Ones actions are creating a severe hardship for me personally. I need to get this matter resolved as soon as possible. They have no right to restrict my access to the loan proceeds and my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
This is my complaint regarding XXXX XXXX Bank AKA XXXX XXXX Account number XXXX. I opened this account specifically in XXXX with my own money to better my credit since it's being reported to the three credit bureaus. My checking account was compromised With my bank by a scammer. Neither the bank or XXXX XXXX Bank AKA XXXX has notified me but the monthly {$25.00} were not received.I never received a notice in the mail that this account is not being paid. Because of the negligence of self.inc my credit report is being 90 days late reported As of XX/XX/XXXX. I am not even sure how many payments I made to This bank. They took my money and destroyed my credit and never notified me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX. The following personal information is incorrect XXXX Date of inquiry : XX/XX/2021 Please investigate and delete from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account XXXX CARD Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX in a pre-recorded conversation with Toyota Financial Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my XXXX XXXX Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, XXXX and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and Toyota Financial Services didn't want to take the offer from the dealership. 

So Toyota Financial Services sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a US XXXX XXXXXXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to XXXX XXXX XXXX XXXX in XXXX, Idaho, and spoke to a rep XXXX XXXX  and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX Toyota Financial Services and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MD

Complaint narrative:
Vance & Huffman is attempting to collect a debt on behalf of XXXX XXXX XXXX in the amount of XXXX dollars that i do not owe this is the 2nd debt collection agency that has attempted to collect on their behalf the first attempt was removed because i do not owe the alleged amount. I requested Verification of the alleged debt and they provided me a check that i do recognize, however i never physically cashed the check it stated for XXXX mobile deposit only which was scratched off the back of the check under the signature line. I have never cashed a check at XXXX XXXX XXXX EVER and no payment will be made on my behalf i am also welling to take legal action if need be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I sought a legitimate {$26.00} refund request XX/XX/2021 within the allowed time period between the XXXX XXXX and XXXX XXXX XXXX but both companies gave me the back and forth putting the responsibility on the other. I have filed reports against these companies for fraudulent business practices with the FTC. I documented my conversations with both of these companies and have ID numbers for this. I provided all this to Citi which is very clear, regardless they denied assisting me with a resolution and didn't acknowledge that I clearly provided the necessary requested information from them.

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 2021-05-18 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: FL

Complaint narrative:
for the past 20 years this company transunion has reported this bs false information i have asked them over 100 times to show proof my signature something on these medical bills they are constantly falsely putting on my account, they know and have been told over 30 times that I have full coverage insurance with the government and they still are falsely ruining my life because of these false reports even asking numerous times for proof which they just decide to ignore me which has caused me to not get jobs .credit .cars a home and I am so tired of it they should be put in jail also they have the nerve to never let me get my credit report or score on line saying I have to write them so they think they can prolong it enough is enough and I am going to have to take this to a higher level .how is it that my score with XXXX  and XXXX are in the XXXX while there score for me is in the XXXX and they never reported the car I paid for 3 1/2 years with never one late payment that because of these companies I had to pay the highest % rate for no reason except for them reporting false information

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 2021-05-18 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
This is me, XXXX XXXX XXXX XXXX a Resident of XXXX XXXX XXXX XXXX, Georgia XXXX, and I am writing this letter on my own behalf. 

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
The problem is not listed so I just chose the most innocuous one.

Last year, United Wholesale Mortgage mismanaged my escrow account by not using my money to pay my insurance for a year. The insurance expired and I was not able to get insurance with that company again. I got insurance with a new company and paid for it myself out of my pocket because I don't trust United Wholesale Mortgage to manage my money. 

I filed a complaint with your organization and United Wholesale Mortgage lied to you and gaslighted you and you closed the case. 

I have continued to pay my own insurance and United Wholesale Mortgage refuses to lower my escrow cost so I have continued to pay my mortgage without fail even though they increased my escrow charges! 

Two weeks ago, they sent me an email saying they " paid your property taxes '' when they didn't. They actually paid my insurance! 

I decided to look at my escrow balance and I found a secured message from them that said I had a shortfall in my escrow account! They never contacted me about this. I found out by accident. I responded by asking them where the money went and also why are they paying my insurance when I already paid it. They never answered me. 

I decided to look on the website and see if they answered the message ( but never contacted me like before ) and now the website says I have a shortage of nearly {$6000.00}! Where is the money I have been giving them every month? Now they say they are increasing my monthly payments by over {$700.00} per month!!!!! It is absolutely impossible that I am short this money. WHERE IS MY MONEY? 

I have tried calling but the people on the phone just hang up when they don't know the answer to my question. WHERE IS MY MONEY? 

I asked them to close the escrow account and let me handle my own money since they have proven to be incapable to do that. They said they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX  ) that a debt was owed from collection agency XXXX XXXX. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe XXXX XXXX. This collection agency XXXX XXXX also violated Section 623 of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hope this is my last complaint to Chase regarding my account. I was your customer from XXXX until XXXX until my loan got transferred to XXXX. I have a copy of all my credit reports from XXXX until today which is XX/XX/XXXX XXXX by law chase Was to report my active account to all 3 bureaus which are XXXX  , XXXX  and XXXX  . Chase failed to report to XXXX  and XXXX  for 10 years or more. on my XXXX  account for over 10 years Chase reported incorrect information. I would like Chase to review their own record and they will find out that what I am saying is 100 % correct.If I file a lawsuit again I will include my credit issue with evidence to the judge. for all the incorrect information the chase reported on my credit report all the inconvenient and the high interest rates I had to pay because of their negligence and not approving me for loan modification and putting me in financial hardship I am requesting the following to close this case and I can move on with my life during covid-19. I do not want to hear any more excuses responding to my letter. Also the lates that were reported against me or during the time that I was trying to get a loan modification plus my loan was transferred to the new mortgage company which is legally Chase did not have the right to report any latest but of course. I do not want a bogus letter Chase. I want you to do the right thing and fix the issue. If chase dose not fix the problem I will ask for damages of not reporting to XXXX XXXX and XXXX in the past.

Company response to consumer: Closed with explanation