vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Checking my credit report from XXXX? Experian credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX  but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From XXXX XXXX, 2020 i have noticed unauthorized transaction on my account. i have called and sent in documents disputing charges. Nothing has been done to secure my account. 
i have spoke to supervisors, clients relation manager and i have not reimbursed funds or my concerns addressed. the latest unauthorized transaction dated yesterday XXXX XXXX, 2020 2020

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 2020-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I applied for unemployment benefits and I chose to get the money by using the Way2GO Card. I did not get the first card sent to me. I was able to call, talk to them and tell them my problem. They sent me a second card. When I tried to activate the second card it says the card has been blocked due to fraud. 
I have tried so many times to reach my phoneWay2GO Card by phone and I have not been able to reach them. I have called millions of times, different times and different days but it is not possible to talk to these people. Since I have not been able to register on line I do not have a pin number which they require every single time I try to call and follow the instructions over the the phone. 
I have not been able to get my money for a while now. 
I have been having this issue since XX/XX/2020. I would appreciate your attention towards this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX an on-line retailer advertised the XXXX ( a golf launcher simulator weighing 2 1/2 lbs ) as being " in stock '' and offered free shipping guaranteed within 5-7 days for {$340.00}. After the expected timeframe for delivery had come and gone I attempted to inquire and was informed via email that my product was unavailable from the manufacturer yet they refused to credit my monies paid. After days of unsuccessfully trying to get a credit from the retailer, I contacted Capital One, my credit card company for assistance. The amount was disputed & temporarily credited back to my card. 2 days after the merchant received notice the amount had been disputed, the merchant sent a rubber golf ball to me via USPS ( tracking # XXXX XXXX weighing 2 ounces. They provided this tracking receipt to Capital One as " proof of delivery '' for my order. Without checking the weight of the package the merchant was credited the {$340.00} again on XXXX. 
I have since provided the attached notice from the United States postal service, as requested by Capital One, indicating the weight of the package was only 2 ounces along with pictures of the actual package & golf ball that was inside. Obviously this would prove the {$340.00} XXXX XXXX XXXX XXXX I ordered had never been received. On XX/XX/XXXX I was notified by Capital One that they have closed my file and will no longer attempt to dispute this charge because I failed to show proof I returned the ordered merchandise in which I never received. How could you return something you didnt receive? Please advise what steps I may take to force the return of my stolen monies?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement. 

My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount. 

Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made. 

I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Fifth third bank uses un fair lending practices. Rules are different for different people. They deny some people for one thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested paper statements from Bank of America for my prepaid EDD card for the past 5 years in my previous complaint ( XXXX ). In their response, the bank provided me with account activity through XX/XX/XXXX, but no statements were provided from XX/XX/XXXX through XX/XX/XXXX. 

Bank of America claims that the balance on XXXX XXXX was {$0.00}. Analysis of the Archived Transactions List from XX/XX/XXXX through XX/XX/XXXX included in the banks response shows that the closing balance on XX/XX/XXXX was ( {$16000.00} ) or the account overdrawn by XXXX. This is a huge discrepancy I have attached my spreadsheet analysis of the archived transaction list. ( file : Archived Tranactions.xls ) Further analysis of the Archived Transactions shows that there are countless duplicate transactions the list. The entries for these duplicate transactions are not always identical as there is a slight variation in the Transaction Date & Time field or in the Merchant Name field. 
The attached file duplicates.xls is the archived transaction list sorted by merchant name The following transactions highlighted in the attached file are examples of such duplicate entries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Debit $ ( XXXX ) The second transaction has posted two days later and the merchants phone has been added to the merchants name XX/XX/XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX '' Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX '' XXXX  XXXX XXXX XXXX '' Debit $ ( XXXX ) The second transaction has a posted a different time, in the evening of the same day Finally, Ms XXXX XXXX allegedly a Senior Resolution Specialist who responded to my previous complaint has not answered or returned any of my calls or emails regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: NY

Complaint narrative:
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: NY

Complaint narrative:
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: NY

Complaint narrative:
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Called on XX/XX/2020 XXXX at 53 said I was in collection. Asked for supv. She left me holding another 40 minutes minutes total 1 hour 25 minutes. 53 refuses to send statements or process frauds and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: GA

Complaint narrative:
XX/XX/2020 ( I don't have specific dates ) my credit account with XXXX XXXX XXXX XXXX was no longer being reported to Experian and was removed from my credit report. Since then, I've been going back and forth with them and Experian letting them know the account was removed from my report and it needs to be reinstated. The account is open and I can use the card associated but it's not on my credit report. I keep getting the runarounds and I'm exhausted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: VA

Complaint narrative:
Vital Recovery contacted me in XX/XX/2020 about a payday loan on behalf of XXXX XXXX for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called Vital Recovery and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called Vital Recovery to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I am disputing this account. I ask for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a complaint against JP Morgan Chase and the credit cards it issues. Specifically on XX/XX/20 I decided that I no longer wanted to possess an annual fee product called the Chase XXXX XXXX XXXX XXXX card. That evening I spoke to customer service and terminated that product. 
I indicated to the agent that I wanted a similar Chase product without an annual fee and I would apply directly. On a recorded conversation the agent acknowledged the conversation and closed the account but never warned that I would not be eligible to apply myself for 48 months. Based on that the next day XX/XX/20 I applied directly for the no annual fee Chase XXXX XXXX product and in writing was FALSELY told " You already have a XXXX credit card account with us '' - ( Ref # XXXX ). In a XXXX/XXXX/20 letter from the Chase Executive office ( Ref # XXXX ) they claimed that the computer system at Chase did not update in a timely fashion believing that I was applying twice for the same or similar products when in fact I had none. There confusion about a false positive was used as an excuse to deny me consideration for a new product-the first time. In the XX/XX/20 letter ( written as a response to former CFPB Complaint ID # XXXX XXXX Chase Executive Office staff wrote " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Based on that I reapplied on XX/XX/20 for another Chase XXXX XXXX product and without considering my qualifications was rejected for the second time and told " You earned a new account bonus on a Marriot card in the last 24 months ( Ref # XXXX ). This letter negated the representation of the Chase Executive Office that " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Regrettably any outreach to the Chase Executive Office became futile. Specifically the XX/XX/20 letter XXXX XXXX XXXX # XXXX XXXX suggests that ... '' If you have any questions please call Txxx at 1-877 ( -omitted confidentially ) - extension # omitted for confidentially. Sadly I placed two calls on XX/XX/20 to Txxx - ( name omitted ) -with one documented voice mail and never the courtesy of a returned phone call. On the second call I asked if anybody at the Chase Executive Office would assist but all inquiries were directly routed to Txxx ( name omitted ) with a resulting non response- If she had returned my call I would simply have asked about an application for a Chase XXXX XXXX with no reward as suggested in the XX/XX/20 letter but she nor anyone else in the Chase Executive Office demonstrated no interest in speaking to me about this concern! Based on these systemic failures by JP Morgan Chase I am requesting third party intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have purchased a car using the loan from Chase while I was in California. I paid off the loan in XX/XX/2018. I have been waiting for my title at my address. They did not send me the title for 18 months. I called them five times to send my title, they always said, I will be getting my title. After six months of wait time, I called California DMV and figured out that they have sent my title to wrong address because Chase has provided the wrong address to DMV California. Now DMV says they can not deliver the title to my new address. It was Chase responsibility to deliver my title to my address. I filed the case in XXXX, Chase representative, XXXX XXXX called me and promised to send me the documents to me to filled up and send that to California DMV. I forgot to tell him that I moved to new address. According to XXXX, the documents he sent end up to my old address. 

I have fully paid the vehicle and I need to get my title without any hassle. After paying off my car for more than two years, I am still not getting the title. I have lost my mobility because of not getting my title. I thought of selling the car, but that can't happen without receiving the title. I called XXXX XXXX several times and left voice message to resend the documents to my new address but I never heard back from him for several weeks. 

This is complete misuse of bank 's power and authority. I took full responsibility and paid the principle and interest to bank, now leaving me without title because of their mistake is unacceptable. I took my responsibility and I want them to take their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the credit fair act sayin they didn't receive it and also they need to show me a sign contract with my signature on it to prove the debt. they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court if they do not delete these account last warning

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On XX/XX/2020, I entered into a forbearance agreement with PennyMac. Per the agreement, the forbearance was effective " immediately '' on XX/XX/2020. The forbearance ended on XX/XX/2020. On XX/XX/2020, PennyMac received a wire transfer for full payoff of the mortgage. As of writing this dispute, my credit report reflects a 90 day late payment for XX/XX/2020. I have talked to several representatives with PennyMac. They all are stating they have no record of submitting the delinquency to XXXX, however it is clearly there. This is unfair, unjust, and dishonest on behalf of PennyMac. I am filing this complaint to have the 90 days past due for this account deleted from my credit history.

Company response to consumer: Closed with explanation