vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

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 2018-11-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

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 2018-11-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CHASE AUTO which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE AUTO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: DE

Complaint narrative:
A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: CA

Complaint narrative:
I recently applied for a house loan but was denied because of XXXX XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
After 10 years sending the payments to my private loans with Sallie Mae ; they notify me this XX/XX/2018 that they havent received a payment for that account. Apparently the payments I have been sending they decided to moved all my payments to the federal loans without any explanation or notification. Because I have my private student loans over paid I wasnt notify until all those payments prepaids finished. Now they are charging me late fee and trying to affect my credit because I havent sent any payment something that is not right. Im kept on sending my payments as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express maintains promotions ( 'Offers ' ) within their App and website that advertise certain promotions tied to spend at certain vendors. American Express also advertises these offers via e-mails. Within the App, once you select an offer detail, there is a single-click option to add the offer to your card. 

I have an account with American Express. I have a card and my wife has a card on the same account. 

On XX/XX/2018, I contacted American Express to inquire about a charge that should have been eligible for an advertised promotion ( {$5.00} off a {$20.00} or more purchase at 'XXXX XXXX ' ) that did not receive the advertised discount. We would have not made this purchase in absence of the discount. The charge was placed on my wife 's card. 

When contacted, American Express ' position was that only the 'enrolled Card ' is eligible for the discount and not all cards on the account ( the other card being my wife 's ). The enrolled card being whoever 's user name is logged in on the app and selects the button. Within the app, there is not an option to select which 'card ' to apply the discount too and this disclaimer is buried on a page in certain legalese that is not readily apparent from the quick consideration you would give within an app. 

I am not sure when this policy when into place, but I am certain it is reasonably new as we have used similar offers in the past in a similar manner and received the promotion. I do not recall a notice of the change in the rewards program and how it operated. 

I feel the promotions terms and conditions are deceptive due to how AMEX advertises them and how they actually operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Schachter Portnoy, L.L.C.
State: NJ

Complaint narrative:
XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XX/XX/2018. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XX/XX/2018.  Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX  as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: RFNA, LP
State: TX

Complaint narrative:
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: TX

Complaint narrative:
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my 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 2018-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX   was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Back in XX/XX/2018 I made a payment on capitol ones mobile app. The app showed that the payment had went through. It credited my account the money and my credit linit showed XXXX again. This was my first true credit card. So i was unaware that some card companys for whhatever reason will sometimes take several days to pull this money from your bank account. I stupidly assumed that the payment had cleared my bank account based on the app showing my credit line was restored to the original amount. I was wrong. By the time the payment did go through my bank the money was not there. I do accept responsibility. I should have checked my BANK ACCOUNT and not relied on the capitol one mobile app. BUT my problem is this ... when the payment did not go through i had already used my credit card again. So when capitol one didnt receive the payment they tacked it back onto my card so now i owed them over 300 dollars on a XXXX dollar credit limit card. To my credit. The payment that was attempted was 3 weeks EARLY. I immediatly started paying the owed amount down. The entire time i had this card i NEVER missed or was late on a payment. Even after they put a hold on my card and informed me that i was fraduently using my card??? How am I a fraudulent user? I made a mistake. Never missed a payment. Never late. I called capitol one to find out what i needed to do to fix the problem. Informed them what happened. Explained it was a misunderstanding. I took responsibility for my mistake. The fraud department was very rude. Did not care what i had to say. Capitol one treated me like i was a criminal. Took no responsibility. Even though they are not supposed to credit my account until the payment has cleared my bank account. I payed off the rest of the balance over 4 months to show i could make my payments on time ect hoping capitol one would see reason. They closed my card as soon as i payed my last payment. The real bad part is no other secured cards will even touch me now. I feel as though capitol one has black balled me in the credit card world for no reason. They refuse to see reason. If i was trying to commit fraud i deffinitly would not have paid you back. Made my payments on time. Look at the proof sitting right in front of you. My payment history. The payment you say is fraud was being made 3 WEEKS EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had the Chase XXXX XXXX card. The day before my {$450.00} annual fee was going to be charged, I downgraded to the Chase XXXX XXXX card, which only has a {$95.00} annual fee. That said, Chase charged me the {$450.00} annual fee AND the {$95.00} annual fee anyway. I have called multiple times to have the {$450.00} annual fee refunded and they keep telling me to wait and that it would come off. On my last call, the lady said it would likely come off for my XXXX XXXX statement but the {$450.00} fee is STILL on my account and they are STILL charging me interest on the balance. I was given a small adjustment for the interest but it does not cover everything. I am at my wits end and want the {$450.00} refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A friend with financial problems asked me to make 2 payments on her credit card which was a Chase card and I had a Chase bank account. I made 2 authorized telephone transfers, supposedly recorded by Chase, on XX/XX/XXXX and XX/XX/XXXX from my bank account to her credit card. In XXXX, XXXX, I discovered that without my consent or approval, {$25000.00} was transferred from my account to her credit card from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase to report a fraud. Chase determined that these transactions were valid even without my authorization, and without any of my personal information which I never shared with her, because I had made the 2 previous valid transfers to her account. I have asked Chase to provide evidence for the initiation and approval of the unauthorized transfers but they will not provide any such evidence. The problem here is that Chase 's system allows anyone to transfer money from someone else 's account to their own account without any proof that the account they are transferring from belongs to them. I have reported it to the police, the FCC, and XXXX investigates..I first spoke to my private banker on XXXX. She told me I was protected by Chase 's zero liability policy. She filed a fraud claim with Chase which was rejected by mail. I followed up myself with Chase 's fraud department on XX/XX/XXXX but was told there nothing more Chase could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: OK

Complaint narrative:
Innovis has a bankruptcy on my credit profile XXXX that is not verifiable. The address they have on file state XXXX XXXX XXXX XXXX # XXXX but I sent a letter to this creditor and the response came back as they do don't verify bankruptcy non do they report them to the credit bureaus. I am now asking hat any and all bankrupcty be removed from my credit profile because uneer the FCRA the address to the credit must be accurate and verifiable. as you can see my the letter i am sending this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc.
State: NE

Complaint narrative:
I graduated from my XXXX XXXX in XX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX XXXX and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by XXXX {$4000.00} by the time XXXX rolled around and I started making money. 
I called Lendkey twice monthly from XXXX to XXXX to work out what I could do to remedy the situation. In XXXX the loans were XXXX {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my XXXX to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. 
I am a new XXXX XXXX in a required XXXX XXXX   trying to help patients and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans. Lendkey has been horrible to work with and no one is willing to help me or work out other options that are more manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: OK

Complaint narrative:
Case # XXXX this address that they have on file to verify any bankruptcy is inaccurate. According to the FCRA the bureaus have a responsibility to make sure all information is correct. And According to the letter from the court house in the City of XXXX, Ok this address is incorrect. See attached sheet.

Company response to consumer: Closed with explanation