vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
At this time, I have both non-promotional ( NP ) and promotional ( P ) purchases on this store card. The P purchases are on a six-month promotion which ends XX/XX/2021. I have a few NP purchases, so every month, I pay the NP purchases off and at the same time, pay the minimum due for the P purchases. on XX/XX/XXXX, I spoke with the bank and the rep told me that my NP purchases for my XXXX statement totaled approx. {$75.00}, so I made a payment of {$110.00} which would cover both NP and P purchases. She told me to call back in a few days to make sure the payment was allocated the way I wanted : to NP purchases first, then P purchases. Today I spoke to 1 more phone rep, 1 phone supervisor, and 1 chat rep, all of whom gave me a different answer when I inquired about allocating. The first rep said my NP purchases totaled {$88.00} ; the supervisor said the NP purchases were {$65.00} ; the chat rep said the NP purchases were {$100.00}. Only after asking and re-asking the chat rep did she finally confirm that the NP purchases were {$65.00}. She also confirmed that my payment of {$110.00} was allocated to NP purchases first ( all of the these dollar amounts are approximate and don't include cents ) So, this is a total of FOUR reps who gave me conflicting information. And, there is no way for me to confirm if the payment was allocated correctly because that info is not available when I'm logged into my online account. HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
i applied for a home loan through Chase mortgage. When doing so, they advised there was a {$500.00} fee to apply, which i paid via credit card, to cover expenses like appraisal, etc. All documentation was provided and an appraisal was ordered and completed. On XX/XX/XXXX, i began calling and texting in their chat window regarding questions about the refinance, rates and costs. I called several times and have 3 documented attempts via their chat function to ask these questions. They never returned a call nor answered any of the texts. At that point, i had to find a new lender because I had no idea of the status nor anything else regarding the rates and fees. i obtained a new lender and they advised we would transfer the appraisal to them, which i was fine with. Chase refused to transfer the appraisal. I then requested my {$500.00} back because they refused to help me with questions and would not allow me to use what i was paying for. They have also refused to return the {$500.00}. So they get {$500.00} from a potential customer, refuse to answer their questions, and then refuse to release the product they are supposedly paying for. Sounds like a scam from Chase and they should be reprimanded severely. I guarantee this is not the first nor the last time this will happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
On XX/XX/2020, I helped my son use his XXXX XXXX gift card to purchase a guitar online. 
The item was paid for, in full, with the gift card. 
Since I was not the individual who gave my son the card, and was therefore unsure of exactly how much money was on the card, I called XXXX XXXX directly after purchase, ( XX/XX/2020, at approximately XXXX XXXX  EST ) to clarify the amount available on the gift card & to make sure the purchase had gone through. I was told the gift card transaction was viable, and that the item would be shipped in 2 days. Please refer to voice recording of this call. 
I received an email on XX/XX/XXXX signifying my order was ready for pick-up at the store. 
I went into the store located at XXXX XXXX XXXX XXXX, XXXX SC, and picked up the order. The clerk told me the receipt for the order was in the box, that it was fully paid for. There was no receipt. 
On XX/XX/XXXX, I was contacted by XXXX XXXX resolution center, indicating there was a discrepancy in the collection of the guitar balance- that I owed the {$540.00} paid in full by the gift card. 
I worked for weeks trying to resolve this issue with XXXX XXXX, to no avail. 
I sent copies of : -online receipt -pick-up confirmation -order details, all documentation indicating the order had been paid in full. XXXX XXXX sent me a blank invoice statement, without my name or order number, as proof that the money had yet to be collected. XXXX XXXX representatives gave me the name and number of their Point of Sale provider, who I also tried to contact in an attempt to resolve the problem. I was only told there was a remaining balance left on the card. 
XXXX, XXXX I am turned over to a Collections Agency . I call and communicate with the CA in a transparent, goodwill attempt to finally resolve issue.

Collections Agency continues to pursue " debt '' though I have incurred NO DEBT and have sent the agency receipts and dispute letter. I am filing this complaint in an effort to safeguard my credit report and score. The agency should not continue to try and erroneously collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, thank you for taking the time to solve my complaint. 

On XX/XX/21 I sent a letter inquiring about incorrect and unknown events on my credit report. As i am writing this more than 60 days later, I have not been contacted or received a response. This is extremely frustrating because I have went through the proper channels to report this error in hopes of fixing it but that has failed me. My disputes are being ignored which is intolerable now at this post 60 days mark. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it will soon be almost 90 days to the date of my letter submissions so I am begging that these be deleted immediately. This is having a negative effect on my quest for a new home for me and my children. These accounts need to be promptly deleted or I will immediately file for litigation due to the emotional toll and stress this has caused me and my family during our new home search. I have also been informed that my information was impacted by the Equifax data breach and could be in the hands of the wrong person which is where the unwanted reports on my credit file came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
The mortgage company failed to submit my property tax payment and I made the required payment from other funds and included {$150.00} of interest and administrative costs. I requested that the escrow account be closed and balance sent to me. I also requested the additional payment of {$150.00} charged to me because of their error. This occurred in late XX/XX/2021 and I received the escrow balance in mid XXXX. The company has yet to pay the additional fee after repeated promises that it was approved and will be processed shortly. Most recently XX/XX/XXXX they informed me that they are seeking payment from the previous service company because they were not informed of the required payment dates. In my opinion, this company should not be licensed to service mortgages to anyone. They lack any commitment or communication to their customers. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
The account is not my account and I have never had any business with Duvera/ XXXX Pay XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediate

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 2021-07-27 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: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
On XXXX XXXX a certified letter was mailed to the company to cease all forms of communication with me through any and all mediums. Im addition to that I sent an invoice for remedy due to my rights that were violated under the FDCPA ( 12 violations total at the time ). Ive since received communication on two more occasions since I mailed the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SHABANA MOTORS
State: TX

Complaint narrative:
On XX/XX/2021 Shabana motors received a certified promissory note, also documents conditionally accepting responsibility for whatever alleged debt they have been reporting to my credit report, predicated of course upon proof of claim from Shabana Motors validating debt pursuant to fdcpa, fcra. Shabana in those debt verification where notified to cease any debt collection activity until they verify debt. They have refused to remove fraudulent inquiry from credit report although they failed, refused, or was unable to validate any debt. These torts by Shabana Motors are adversely affecting my credit and character and is infraction of fdcpa and fcra please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$250.00} collection I requested that the debt be validated in that request.

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 2021-07-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My capital one CD was closed without any acknowledgement to me and money was transferred to a separate account which was not listed on my CD. I had no clue that the money was transferred to an external account. Your money is not secured in Capital One as they can transfer your money without your authorization to someone else 's account. This is a clear case of unauthorized fund transfer and they take no responsibility with this. Every time I call them, they said it was done in error and they have no option to fix it. Capital One should be held responsible for this as my money was transferred to an external account which was not listed on my CD. They can wrongfully take your money away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I are XXXX XXXX XXXX. In XX/XX/2021, we filed an application for a home mortgage refinancing from CITIBANK NA. We have submitted a ton of documentation for the application ( some of which were submitted multiple times ) ; 6 months have passed and still the loan application is pending. I have not heard of a loan application that has taken this long and it feels that we are being discriminated. 

We have complained to upper management and still up to this day, we have not gotten a approval.

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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Walwick, Inc
State: IL

Complaint narrative:
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX my bank ( XXXX ) did an electronic funds transfer in the amount of {$200.00} to my Kohl 's Credit Card ( Capital One ), Trace ID XXXX. I logged onto my Kohls charge account on XX/XX/XXXX and noticed my payment had not been posted. I emailed and called customer service and they stated that my payment hadn't been received and that if I didn't make a payment immediately they would report my delinquency to the credit bureaus. I informed them that I had the information regarding the EFT and asked if I could send proof, they gave me a fax number ( XXXX ) and told me to fax the proof, which I did. I have since followed up on XX/XX/XXXX and XX/XX/XXXX and they are refusing to acknowledge my payment. As a response to my email on XX/XX/XXXX, they sent me my original message. They have yet to acknowledge my email from XX/XX/XXXX. All written correspondence is attached, I called them on XX/XX/XXXX & XX/XX/XXXX, but didn't get anywhere on the phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I went to a car mechanic shop where misdiagnosed my truck.The owner of the shop has diagnosed my truck with lifter issue because of my truck is ticking excessively.The oil pressure was low and they claimed that the oil pressure sensor has to be replaced and the oil pressure will return normal.They have been working on my truck for 5 weeks and I got back truck in worst shape than before.I can not drive it at all.The low oil pressure light is on after few minutes of driving.If you are driving a car when the oil pressure light is on you can ruin the engine right away..I went back to the shop but they refused to fix the problem.I went to another shop where they diagnosed the truck has a bearing issue thats why the lifters are making the noise and thats why the oil pressure is low.They did work on the truck what it should have not been done at all.My truck needs a new engine.The shop who charged for the repair offered me to readjust the mileage on my truck and I can sell it for more.They offered me an illegal solution for my problem.They could not fix the problem thats what their solution.They charged me XXXX $ for work what it has not been done at the first place.They pulled me in to do the work on the truck after that they did not leave me with other option just replace the engine.They misdiagnosed the problem and thats why I filed the claim with my credit company.I was not satisfied with the service.My credit card ruled against me because this people threw a few fake bill claimed that they did more work on the truck and I just paid for the parts what they installed.Who did the work? I thought whatever parts you installs you are responsible for that.I spent XXXX $ for the parts and XXXX for the labor and my truck is not drive able at all.I have been without my truck since May and I am looking at engine replacement.

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 2021-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY ALONG WITH MY SOCIAL SECURITY CARD AND PHOTO ID THE OPEN A MORGAGE, UTILITY, CREDIT CARD AND BANK ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCMENT AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediately. Called 20 times in last 30 days. Attached is a photo of all fraudulent inquiries on my account.

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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
The account is not my account and I have never had any business with Duvera/ XXXX XXXX  XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation